The organizations you bank are under significant threat right now. The ones running payroll, paying vendors, and collecting receivables for their own account. Fraud tactics evolve fast, and your customers’ operations are the primary target for fraudsters.
Of course, this matters for your institution, too.
A threat that targets your high-value ACH, RDC, and Wires customer base without differentiation is a threat to your own soundness. Their exposure is your exposure.
As Nacha has recognized with the new Fraud Monitoring Rule, your own fraud detection solutions aren’t by themselves sufficient. By exploiting gaps in your customers’ controls or sophistication, fraudsters are patiently watching and then manipulating them or taking over their accounts to evade those filters, with increasing success. When fraud exploits a gap in a customer’s controls, it enters your network through a trusted channel.
The good news?
You can do something about it, without burdening your team.
We put together an overview of what the latest fraud data tells us and what it means for FIs and their Originators. It covers five data points from the most widely-cited 2025–2026 reports, including the real cost multiplier FIs face for every dollar of fraud, where the attacks land, and why the industry responds the way it does.
How to help your Originators?
1. Sensitize
Sensitize your ACH Originators to the threats they face and the fraud monitoring rules that apply to them. Most organizations don’t fully appreciate the threats and regulatory expectations, or know where they have gaps in security or operations that fraudsters exploit.
2. Empower
Empower your ACH Originators with clear guidance on where they have gaps in their operational security and compliance, and what regulators require, expect, or recommend they do.
3. Assess
Assess their compliance through structured diagnostics that create audit-ready records that demonstrate oversight, and enable risk-based rules enforcement at scale.
Lexalign automates this entire process.
With Lexalign, financial institutions help ACH Originators understand exactly which requirements apply to them. Covering the Nacha Rules & Guidelines (almost 500 pages!), along with other relevant regulations and official guidance, Lexalign walks customers through diagnostic interviews (designed to be completed in 30 minutes or less).
Each ACH Originator receives an audit report, gap analysis, action plan and dynamic remediation checklist tailored to their precise operational environment. You get risk scoring, oversight records, and actionable insight across your portfolio.
As fraud evolves and rules expand, FIs with real visibility into Originator operations will be best positioned to protect themselves. Empowering and equipping your ACH Originators to proactively and vigilantly monitor fraud is ultimately how your FI protects its safety and soundness against evolving fraud. Your customers’ protection is your endpoint protection.
