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AP designation signifies expertise in handling change within the payments industry, demonstrating commitment and dedication. It shows proficiency in maneuvering within the industry framework and achieving necessary resolutions. AAP designation indicates credibility and understanding of the ACH network and its impact. Regulators now expect banks to have AAP-certified staff, as it is considered the gold standard in managing ACH effectively and conducting audits. Customers will trust and rely on individuals with these certifications.