RTP Participant Self-Audit Compliance Guide

This document is a guide outlining the requirements for credit unions participating in the Real Time Payments (RTP) network to complete an annual self-audit. The self-audit aims to verify compliance with RTP Participation and Operating Rules, specifically as mandated by RTP Operating Rule IX.A.2. Participants are expected to report any material findings of non-compliance during this process. The guide details the responsibilities of RTP participants, including operational requirements, message capabilities, and obligations for sending and receiving payments. It also provides optional resources, such as the RTP Participant Self-Audit Workbook, to assist credit unions in conducting the audit. Additionally, the document clarifies that while the self-audit does not require specific procedures, it is essential for credit unions to maintain compliance with the RTP ecosystem's operational standards. The guide serves as a comprehensive resource for credit unions to navigate the self-audit process effectively.