Lock Every Door: Layered Fraud Defense
Overview
This session explores how fraud migrates between channels and how financial institutions can stay ahead through a layered defense strategy. We review recent fraud trends across check, ACH, and wire channels, highlight upcoming Nacha rule changes for 2026, and show how AFS tools like TrueChecks®, TrueACH®, TrueWire®, and Positive Pay work together to stop cross-channel fraud before funds move.
What you’ll learn
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Why fraud migration happens and how it shifts between check, ACH, and wire channels
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How layered defense reduces risk by uniting check, ACH, and wire protection tools
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What is changing in Nacha 2026 rules (phased rollout in March and June)
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How Positive Pay has evolved with payee match, image analysis, and ACH coverage
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What TrueChecks®, TrueACH®, and TrueWire® do individually and together to detect fraud early
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How to track migration patterns with the Fraud Migration Checklist and identify coverage gaps
Key moments
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Welcome and housekeeping (recording, chat, education focus)
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Agenda overview (fraud migration, layered defense, Nacha rule changes, Positive Pay)
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Why fraud migrates (locking the front door analogy)
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Channel trends across check, ACH, and wire fraud data
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Anticipating movement vs reacting to it
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Nacha 2026 rule changes (new return codes and RDFI/ODFI process requirements)
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ACH and wire migration patterns with TrueACH® and TrueWire® overview
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Positive Pay myth busting and modern capabilities
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Layered defense matrix across teller, RDC, ATM, and online banking
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Poll results on where fraud is hitting hardest
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Account takeover and member education challenges
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New webinar idea (how to educate account holders about fraud)
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Wrap up (Fraud Migration Checklist download, upcoming webinars, contact info)
Resources
- Fraud Migration Checklist
- Help & Support — knowledge base, on-demand webinars, and scheduling.
- Email: support@advancedfraudsolutions.com
