Spotlight: Handling Suspect Credits in ACH

Compliance Officers and Fraud Investigators are often challenged with identifying appropriate actions when money laundering activity or fraud is suspected with ACH credit entries. The ACH Network Rules must be balanced with applicable laws, such as AML/CFT, yet the ACH Rules do not dictate specific actions to help an institution comply with legal requirements.   To […]

To access this post, you must purchase Academic Premium Individual Membership.

About Rayleen Pirnie

Rayleen M. Pirnie, AAP, CERP is the Director of Risk and Fraud at NEACH. She provides payments strategy and risk management advisory services across several sectors. She has over two decades of experience in payments rules, risk management, fraud prevention, and information security. She advises boards, C-Suite executives, and payments professionals on payments vulnerabilities, cyber-security, and processing strategies to align the organizations processes with payment network rules and regulator guidance. She analyzes organizational strategies and processes to identify risk, recommend sound risk management practices, and assess an organizations payment security posture.

Rayleen is an Accredited ACH Professional (AAP) and a Certified Enterprise Risk Professional (CERP). She holds a Bachelor of Science in Criminal Justice Administration and is an active member of the Association of Certified Fraud Examiners.

Rayleen has spoken at national and regional conferences for over 20 years on topics ranging from payments fraud to information security. Events include NACHA’s Payments Conference, the American Bankers Association Risk Management Forum, the Security Matters annual conference at Murray State University, the Risk Management Association, and the Federal Reserve Bank of Kansas City’s Risk Management Conference. She is also an instructor for the ABAs Certified Enterprise Risk Professional (CERP) curriculum.