Risk Management Resources
The safety of the ACH Network for all participants is key. Nacha has numerous risk management resources available including fraud prevention and Nacha Rules compliance. You can filter the information by both resource type and audience.
Risk Management Resources
Fraud Prevention
Elder Financial Abuse Prevention Checklist for Financial Institutions
FI checklist for their customers to prevent elder abuse.
June 8, 2023
Fraud Prevention
Balancing the Need for New Deposits Against Fraud Risk
Guidance to address Account-to-Account (A2A) funding frauds.
April 2, 2024
Fraud Prevention
Approaching Implementation of the New Risk Management Rules
Considerations for implementing new rules to address credit-push fraud.
April 7, 2024
Fraud Prevention
State Tax Refund Return Opt-In Program
Program to return tax refund credits in cases of possible error/fraud.
November 30, 2020
Fraud Prevention
IRS Refund Return Opt-In Program
Ways to return tax refund credits in cases of possible error or fraud.
November 30, 2020
Fraud Prevention
Unemployment Benefits Return Opt-In Program
Facilitate return/recovery of fraudulent unemployment benefits.
July 16, 2021
Fraud Prevention
Current Fraud Threats
Fraud scheme descriptions and ways protect your organisation.
October 1, 2021
Account Validation
ACH Quality
Phixius Account Validation
Safe and secure way to verify and validate ACH account information.
July 20, 2022
Fraud Prevention
Nacha Announces New Risk Management Framework for the Era of Credit-Push Fraud
Strategies to address frauds that make use of credit-push payments.
September 22, 2022
ACH Quality
Third-Party Sender Roles and Responsibilities
The roles/responsibilities of Third-Party Senders in the ACH Network.
September 30, 2022
Fraud Prevention
RMAG Offers Guidance for Risk-Based Controls to Address the Potential of Fraudsters Gaining Access to Illicit Funds
Ways to identify credit-push fraud and assist in recovering funds.
November 29, 2022
Compliance
Legal
Third-Party Senders & the ACH Network
TPS requirements/obligations for originating ACH payments.
January 1, 2023
Compliance
Legal
A Checklist Approach to Payment Initiation
An Electronic Payment Checklist could help Originators reduce fraud.
January 3, 2023
Fraud Prevention
RMAG Guidance on ODFI Credit-Push Fraud Response Checklists
ODFI’s immediate and post incident steps to take for credit push fraud.
January 31, 2023
Fraud Prevention
RMAG Guidance on RDFI Credit-Push Fraud Response Checklists
Credit-push fraud and the importance RDFI incoming credit monitoring.
February 28, 2023
Cybersecurity
Fraud Prevention
Supplementing Data Security Requirements
Rule: For protection make deposit account info unreadable when stored.
March 9, 2023
Account Validation
ACH Quality
Fraud Prevention
Micro-Entries
Micro-Entry practices/format for Originators for account validation.
March 17, 2023
Fraud Prevention
A Checklist Approach to Reduce Fraud in Payroll Origination
Electronic payment initiation checklist for payroll origination.
April 7, 2023
Fraud Prevention
The Fraudsters are Hard at Work. How Hard are You Fighting Back?
Bad guys don’t care how they get paid when it comes to certain frauds.
April 24, 2023
Compliance
Fraud Prevention
Legal
FBI and AFP Reports Warn Business Email Compromise Remains a Threat
Fraud focus: FBI report on BEC and AFP report on paper checks.
May 9, 2023
Compliance
Legal
What are You, and Your Competitors, Doing to Fight Fraud?
Know what others are doing to fight fraud and work together.
May 9, 2023
Fraud Prevention
Elder Financial Abuse Awareness Infographic
Loss prevention guidance for vulnerable elderly account holders.
June 1, 2023
Cybersecurity
Regulatory Guidance and Information Involving Payments
Regulatory guidance for FIs/ACH Network participants.
June 1, 2023
Compliance
Legal
RMAG: Preventing and Recovering from Operational Errors and Accidents
Steps to recover and communicate are key following errors/accidents.
June 14, 2023
Fraud Prevention
RMAG Guidance on Credit-Push Fraud Response Checklists for Originators
Originators’ checklist for responding to credit-push fraud.
July 24, 2023
Compliance
Legal
ACH Risk Management Handbook
Risk management program for creation/processing of ACH transactions.
July 31, 2023
Compliance
Legal
Fintechs, Third Parties, and ACH Risk Management
Determining whether a fintech customer is a Third-Party Sender.
September 5, 2023
Compliance
Legal
Guiding Principles to Help Achieve Optimum Efficiency in Risk Management
Ways to achieve optimum efficiency in risk management.
September 5, 2023
Compliance
Legal
ACH Compliance Manual
Crisp insights into authorisations, processing and more.
September 23, 2023
Cybersecurity
Enhancing Operational Resilience for ACH Network Participants
Measures for FI and TPS ACH processing operational resiliency.
October 4, 2023
Cybersecurity
Cybersecurity Tabletop Exercise for Small to Medium Size Business (Ransomware)
Exercise for preparedness for and response/recovery from cyberattacks.
October 18, 2023
Account Validation
ACH Quality
Account Validation Resource Center
Supplementing Fraud Detection Standards for WEB Debits rule resources.
November 30, 2023
ACH Quality
Nacha Certified
Voluntary accreditation program for Third-Party Senders.
January 19, 2024
Fraud Prevention
You Could Be a Money Mule!
Resource to educate customers about money mules.
February 26, 2024
Fraud Prevention
AI Presents Both Risks and Rewards
AI is used by fraudsters. We can use AI to fight fraudsters.
March 5, 2024
Compliance
Cybersecurity
Fraud Prevention
Legal
Accredited Payments Risk Professional
Risk management strategies/concepts/techniques accreditation program.
March 8, 2024
Fraud Prevention
New Nacha Rules Take Aim at Credit-Push Fraud
Nacha members approved Rules intended to reduce credit-push frauds.
March 18, 2024
Fraud Prevention
Fighting Credit-Push Fraud
Nacha Operating Rules aim to reduce/recover from credit-push fraud.
March 18, 2024
Account Validation
Compliance
Fraud Prevention
Nacha Preferred Partners
Providers who advance the ACH Network in risk/fraud prevention.
April 3, 2024
Fraud Prevention
AFP Report Finds Check Fraud on the Rise
Research: attempted/actual payments fraud rose considerably in 2023.
April 16, 2024
Compliance
Cybersecurity
Security Incident Response Procedure Guide
This guide provides steps for evaluating incidents and determining necessary notifications to stakeholders.
May 31, 2024
Fraud Prevention
Elder Financial Exploitation Awareness Financial Institution Checklist
This tool is designed to help banks and credit unions assist older account holders who may have been exploited.
June 14, 2024
Fraud Prevention
Elder Financial Exploitation Awareness Infographic 2024
This infographic presents key statistics on elder financial exploitation, highlighting the prevalence and severity of the issue.
June 14, 2024
Compliance
Fraud Prevention
Considerations for Implementing the New Risk Management Rules
Start thinking about your approach to new Rule amendments.
July 26, 2024
Compliance
Fraud Prevention
New Nacha Risk Management Portal Tool Will Help RDFIs Comply with New Rules on Fighting Fraud
Discover a new feature available to financial institutions to help with fraud prevention.
July 26, 2024
Cybersecurity
Fraud Prevention
Legal
Business Email Compromise Response Action Plan
This Alliance resource provides guidance for companies affected by business email compromise and outlines steps to prevent incidents.
July 26, 2024
Fraud Prevention
New Fraud-Fighting Rules Take Effect Oct. 1. Here’s What they Mean for Your FI
Nacha Rule changes effective Oct. 1, 2024, are aimed at stopping fraud before it happens and improving funds recovery if it does.
August 12, 2024
Contacts
Fraud Prevention
New IAT Exception Request Available in Nacha’s Risk Management Portal
October 28, 2024
Compliance
Legal
Payments Legal & Compliance Summit
This virtual event is designed for legal professionals in the industry and those overseeing risk or compliance within their organizations.
December 4, 2024
