ACH: Finding the Balance Between Risk and Reward


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Institutions continue to expand business and consumer offerings, providing low-cost, expedited funds transfer opportunities. While occurrences of ACH Fraud remain relatively low compared to other payment networks, some institutions’ offerings inherently open the door to potential fraud, creating large losses and positions of non-compliance with peripheral laws and requirements such as Regulation E or BSA.

In this session, we’ll explore common fraud types* and discuss the essential balance of ACH Rules with other requirements intended to combat fraud and money laundering, and to protect consumers. Positions of non-compliance are often due to an imbalance of the ACH Rules and other requirements.

*Please note: this session will explore “what’s hot right now” to ensure you have timely information. As such, we are currently unable to provide specific frauds this session will cover. Stay tuned for more information closer to the event date.

In this session, attendees will:
– Assess common forms of ACH fraud related to consumers and when Regulation E requirements supersede the ACH Rules
– Discuss when an RDFI may need to investigate &\or prohibit deposits to comply with BSA/AML
– Record best practices when a business client suffers an Account Takeover
– Analyze current fraud trends with WEB debits and when ODFIs can be liable for losses for years

BONUS! Attendees will receive a sample ACH Breach of Warranty letter for RDFIs who need to initiate a claim against an ODFI.


Rayleen M. Pirnie, BCJ, AAP, CERP is the Director of Risk & Fraud at NEACH overseeing the organization’s comprehensive risk management program, advancing strategy to support both industry and member efforts to identify and mitigate fraud. With more than 20 years of experience, Rayleen is a leading expert in payments rules, compliance, risk management, fraud prevention, and security. Through leadership roles and years of research and dedication, Rayleen has developed a deep knowledge and unique skillset that allows her to deliver actionable solutions to not only financial institutions and financial service providers, but across other industry verticals as well. Rayleen is an Accredited ACH Professional (AAP) and a Certified Enterprise Risk Professional (CERP). She is a member of the Association of Certified Fraud Examiners (ACFE) and holds a Bachelor of Science in Criminal Justice Administration. She is an author and highly sought-after speaker.

Recorded on Tue, Aug 15, 2023 2:00 PM – 3:30 PM ET


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