ACH Fraud Monitoring After Phase 2 What Community Financial Institutions Need to Operationalize Now

Beyond the Vault: Turning ACH Monitoring into Everyday Practice

In our October 8 Beyond the Vault session, we explored how community financial institutions can put risk-based ACH fraud monitoring into practice. The discussion focused on the people, processes, and documentation that connect an unusual transaction to a timely, reasoned decision.

Key takeaways

• Start with a baseline. Understand normal account and transaction activity so your team has context when something changes.
• Consider incoming and outgoing risk. Review ACH activity through the lens of your institution’s roles and the risks present in each workflow.
• Make escalation clear. Define who reviews a concern, who makes the decision, and when another team needs to be involved.
• Document the investigation. Capture what triggered the review, the information considered, the action taken, and the reason for the outcome.
• Connect responsibilities across teams. Align ACH operations, fraud, risk, compliance, BSA/AML, and customer-facing teams around a shared process.

Watch the recording

Revisit the discussion and use it to guide a conversation with your team about your current ACH monitoring process.

Download the ACH risk assessment template

Use the 2026 NACHA ACH Fraud Monitoring Risk Assessment Template as a starting point for reviewing your institution’s process and identifying areas that need follow-up.

Complete the form below to access the template.