ACH Fraud Rule

Payments Fraud is alive and well!

To paraphrase an old adage, by the time you make something fraudproof, they’ll build a better fraudster. This couldn’t be truer today. As a result, Nacha is implementing new fraud monitoring controls into the ACH rules, effective March 2026. These will be risk-based, depending on the participant, volume, and the type of payments being originated or received. What steps have you taken to ensure you’ll be in compliance?

Have you developed a strategy to move forward and be ready in time? Q1-2026 will come faster than you think, but fear not. This is where Wespay Advisors comes in. Our expertise, industry knowledge, and years of experience allow us to help you establish your program as different types of risks are identified.

What Can Wespay Advisors Do For Your Organization?

We will:

  • Conduct a review of your strategy, fraud and risk deterrent tools, processes, and reporting
  • Compare current practices to industry commercially reasonable standards using a risk-based approach
  • Create a gap-analysis report to identify deficiencies
  • Provide recommendations for full compliance
  • Work with bank staff to create risk management monitoring procedures
  • Provide sound practices on payments governance
  • Assist in vendor and product feature analysis and recommendations
  • Provide a detailed report listing all observations and recommendations

Whether it’s a receiver acting as a money mule or your innocent originator sending fraudulent debits because they were hacked, we can help you understand the payment flow, what to look for, and how to diminish the risks.

For more information, refer to this helpful article: Faster Payments Doesn’t Have to Mean Faster Fraud.

The next steps are easy; call Wespay Advisors to find out more.

Contact us at [email protected] to get started.