Nacha Fraud Monitoring Phase 2
NEW RISK MANAGEMENT OPERATING RULE
6/5/2026Effective June 22, 2026
We are committed to providing secure payment solutions and empowering our customers to operate in a manner that minimizes the risk of fraud. To this end, we align to the standards set forth by Nacha, the organization that governs the ACH network and administers and establishes the rules for ACH transactions in the United States. Nacha develops rules and standards within the payments space to help mitigate risk.
On June 22, 2026, the second phase of an important risk management Nacha rule change will take effect. It includes the following requirements and recommendations that all businesses conducting electronic payments should know:
- Businesses must review their internal processes and procedures to help identify suspicious payment activity.
- Originators must validate payment instructions and implement strong procedures for changes to account information or payment requests.
- Businesses should evaluate and implement controls such as dual control, segregation of duties, account validation, and user access reviews to mitigate the risk of fraud.
- Businesses should educate their staff on common fraud schemes including vendor impersonation, payroll fraud, and business email compromize.
You can read the full details of this rule change on the Nacha website.
If you have any questions, please contact a member of our support team at 1.800.542.8191.
