RDFI Monitoring: What's Working?

Required transaction monitoring for Originators was introduced in the early 2000s and became standard industry practice. Tactics fraudsters used became less effective due to the required Origination monitoring, so they changed focus to schemes that convince victims to push credits to their bank accounts. Most of these credit push fraud schemes involve social engineering and are difficult to detect at origination. Nacha Rule changes effective in 2026 change the way financial institutions must think about monitoring ACH Entries for fraud. Is your bank prepared to monitor inbound ACH Credits for anomalous activities? How are you preventing fraudsters from using an account at your bank to receive fraudulent transactions? Tim Thorson from Regions Bank, Sara Hentges from Umacha, and Jordan Bennett from Nacha will cover the new Rules and provide strategies for monitoring inbound credit items. Hear how the industry in preparing for the 2026 Rules effective dates and keeping fraudsters off the ACH Network.