Nacha's Fraud Monitoring Rules Reframe the Fight: Your Customer Is Now the Front Door
Fraud in payments hasn't just increased—it has migrated. For years, banks built defenses around the institution: tighter internal controls, better transaction monitoring, stronger back-office processes, and more sophisticated tools at the ODFI and RDFI. Those investments still matter. But Nacha is…
What “Risk-Based” Really Means Under Nacha’s Fraud Monitoring Rules
What “Risk-Based” Really Means Under Nacha’s Fraud Monitoring Rules (And What It Doesn’t) Written by Julie Goff, JD, Head of Operations, Lexalign When Nacha introduced its new Fraud Monitoring Rules, one phrase immediately became central—and, for many banks, confusing: “risk-based”…
The "4 Boxes" to Check for Audit-Ready Compliance
As financial institutions enter 2026, one topic continues to surface in payments, risk, and compliance conversations: Nacha’s new Fraud Monitoring Rules. Most institutions know the Rules are coming. Fewer feel confident they fully understand what the Rules practically require—or whether their…