Countdown to Nacha 2026: ACH Risk, Roles & Readiness
Overview
This session walks through what Nacha’s 2026 rules really mean for ODFIs, RDFIs, originators, and third-party senders. The panel breaks down the March and June phased rollouts, explains the shift from “commercially reasonable” to risk-based monitoring, and shows how documentation, contracts, and fraud tools work together to help financial institutions defend their position in an audit. You’ll hear practical examples from Wespay, ePay Resources, and AFS on ACH fraud trends, ghost payroll schemes, and how solutions like TrueACH® and automated audit logs can support both compliance and fraud prevention.
What you’ll learn
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What is changing in Nacha’s March and June 2026 rules and which participants are in scope at each phase
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How the standard is shifting from “commercially reasonable” controls to documented, risk-based monitoring
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What ODFIs, RDFIs, originators, and third-party senders are expected to “do” and be able to defend in an audit
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How new company entry descriptions (PAYROLL and PURCHASE) help distinguish normal activity from suspicious credits
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Which behaviors to monitor: velocity spikes, SEC code mismatches, account characteristics, and unusual high-dollar credits
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What strong policies, procedures, training records, and audit trails look like under the new rules
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How AFS tools like TrueACH® and automated audit logs can support Nacha compliance and ACH fraud monitoring
Key moments
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Welcome, poll on ACH roles (ODFI/RDFI/Other), and housekeeping (recording, slides, chat)
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Agenda overview (why the rules are changing, roles and readiness, fraud monitoring, audit roadmap)
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High-level explanation of Nacha 2026 rule changes and the March/June phased implementation
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Jim’s “elevator speech” summary of what institutions must do to identify potentially fraudulent transactions
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Walkthrough of new PAYROLL and PURCHASE company entry descriptions and how they support RDFI monitoring
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Payroll fraud themes: ghost employees, redirected pay, and internal controls like cross-training and dual control
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Shift from “commercially reasonable” to risk-based processes and what that means for small vs large FIs
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Audience question: “You just have to do something and be able to defend it” — panel confirms and expands
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Documentation deep dive: policies, procedures, risk assessments, staff training, contracts, and audit expectations
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Examples of practical monitoring for ODFIs and RDFIs (large CCD credits, new patterns, name/account mismatches)
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Q&A: handling risky transactions, using the Nacha Contact Registry, holds, returns, and timing under Nacha + Reg CC
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Staffing and resourcing: balancing automation, second-step reviews, and realistic coverage windows
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“Step zero” roadmap: where to start if you’re just beginning your Nacha 2026 preparation today
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Wrap up: emphasis on ongoing conversation, mention of the ACH Accountability Map, checklist download, recording and slide follow-up
Resources
- Nacha Summary — Overview of the upcoming rule changes with dates.
- Help & Support — knowledge base, on-demand webinars, and scheduling.
- Email: support@advancedfraudsolutions.com
