Remote Deposit Capture (RDC)
& Check Image Services

The FFIEC released guidance for Financial Institutions (FIs) regarding risk management of Remote Deposit Capture (RDC) in 2009 and the IT Examination Handbook was updated in 2010 to include additional risk management best practices regarding RDC found in the Retail Payment System Handbook section.

RDC is a Deposit Transaction Delivery System which allows a FI to receive digital information from deposit documents captured at remote locations. These locations could be one or many branches of your FI (Branch Capture), ATMs, domestic and foreign correspondents, commercial customers (Corporate or Merchant Capture), small businesses, or consumers.

If you are the person responsible for your FI's Depository Transaction Delivery System, then you need to know what examiners and regulators will be looking for. UMACHA is here to help!

UMACHA is a resource that can provide you up-to-date industry information, educational opportunities, customized training, on-site consulting, RDC risk assessments and publications about RDC and Image Exchange.  


RDC Risk Assessments or RDC/Image Consultation

Email Jen (jenw@umacha.org) with your RDC/Image needs and we will work with you to customize training, provide consulting, or help your financial institution complete a risk assessment of your RDC program. You may also fill out the UMACHA Compliance Services Request Form and a member of our Compliance Services team will contact you.

 

RDC/Image Education

Check out the education calendar under the Education area of our website and sign-up to attend an RDC or Image Exchange class that works best with your schedule.

 

RDC/Image Publications

We have several RDC/Image publications available that provide you with information and tools to help; select the right RDC/Image vendor, implement an RDC risk management policy & RDC customer agreement, approve new RDC customers, perform your own RDC risk assessment & ongoing RDC customer reviews!

 

RDC Risk Assessments Not Performed by UMACHA

To assist your internal auditor with completing a thorough examination or to help your staff implement an RDC Risk Management Program, consider UMACHA's consulting services, publications, webinars, and in-person workshops offered throughout the year.

 

Free RDC Sample Documents for Members

(Available for purchase by Non-Members)

Sample RDC Check Destruction Tracking Log (Word Document) (04/2013)

Sample RDC Cost Matrix (Excel) (04/2013)

Sample RFP Image Exchange & RDC Hardware-Scanner Fulfillment (Word Document) (04/2013)

Sample RFP Image Exchange & RDC Software (Word Document) (04/2013)