The clock is rapidly ticking down on migration to the ISO 20022 message format for the Fedwire Funds Service, effective March 10, 2025. No matter where your institution is in the preparation process, this episode is required listening as Tracy Marshall, SVP, Technology and Support, ePayResources, and Fred Gibbons, Vice President and Deposit Operations Payment System Officer, Jefferson Bank, walk you through the importance of a risk-based analysis approach to getting ready; the threat of reputation risk that looms if you do not test adequately; and the myriad of dependencies you may not have considered yet. It might be late, but it is not too late to prepare!