2026 EDITION | INSTANT DIGITAL DOWNLOAD
RTP® Send & Receive Risk Assessment
The examiner-ready, auto-scoring risk assessment for RTP participants that originate and receive real-time payments — 64 risk items across 7 domains covering origination, receipt, and indirect-send arrangements, verified against The Clearing House RTP Operating Rules and Participation Rules (effective September 30, 2026).
Get the Risk Assessment — $445Built for banks and credit unions that send and receive
Once your institution originates RTP credit transfers, your obligations multiply: irrevocable outbound payments, real-time fraud and compliance screening before submission, per-transaction limits, prefunded balance exposure, and customer authorization under Regulation E and UCC 4A. This assessment covers the complete send-and-receive obligation set — including indirect send and on-behalf-of arrangements — without the Request for Payment content you haven't enabled.
What's inside
Protected Excel Workbook
Auto-scoring risk register with 64 prewritten risk items, likelihood / impact / control-effectiveness scoring, controls checklist, live summary dashboard, and a board-ready executive report. Formulas and prefilled content are locked so the methodology stays intact.
Companion User Guide (PDF)
Step-by-step instructions, scoring methodology, and item-by-item context with citations to the RTP Operating Rules and Participation Rules — so every score you enter can be defended in front of an examiner.
Examiner-Ready Outputs
Heat-mapped domain dashboard, completion tracking, residual-risk ratings, and an executive report with prior-year trend fields — drop it straight into your board packet or exam response.
64 risk items. 7 domains. Send-side and receive-side.
Every risk item is prewritten with a description, rule citation, and suggested controls — your team only scores likelihood, impact, and control effectiveness. Coverage spans the full send-and-receive obligation set:
- Operational — prefunded balance management, uptime, annual self-audit, irrevocability
- Compliance / BSA-AML — outbound and inbound screening, SAR/CTR, OFAC sanctions
- Fraud Risk Management — APP fraud, account takeover, money mules, camt.056 fraud reporting
- Technology & Cybersecurity — connectivity, ISO 20022 processing, credential security, resilience
- Third-Party Risk — core processors, TPSPs, PBA bank, and TCH relationship
- Origination Risk — authorization, beneficiary verification, real-time screening, disclosures
- Indirect Send & On-Behalf-Of — IDS/OBO arrangements, funding-manager dependency, liability
Frequently asked questions
What exactly do I receive?
We plan to add Request for Payment later — which version should we buy?
Is it current with the rules?
Who is licensed to use it?
Go beyond the assessment
The risk assessment documents your compliance — the RTP® Certificate Series trains your team. Eight one-hour classes with quizzes and a certificate of completion, covering RTP basics, payment flow, settlement, reconciliation, audit requirements, and returns.
Explore the RTP® Certificate SeriesBe ready before your examiner asks
Download the RTP® Send & Receive Risk Assessment and walk into your next exam with a completed, defensible, board-approved risk assessment.
Get Instant Access — $445This product is an educational self-assessment tool provided by Payments Professor. It does not constitute legal, regulatory, or compliance advice, and completing it does not guarantee compliance or examination outcomes. Institutions should consult their own counsel and compliance officers. RTP® is a registered service mark of The Clearing House Payments Company L.L.C. Payments Professor is not affiliated with, sponsored by, or endorsed by The Clearing House.
