ACH Fraud Investigations and Mitigation

Recorded on July 30, 2019   |   With Rayleen Pirnie

ACH Fraud Investigations and Mitigation

With Rayleen Pirnie
  • 1 Video
  • 1 Multimedia
  • 1 PDF
  • 2.0 hrs
Course description

ACH fraud losses continue to increase; faster settlement poses the potential for increased fraud occurrences and losses. Newer uses of ACH have also presented fraud and investigation challenges to banks.

Using actual cases, we will explore the most common and costly forms of fraud in the ACH Network, along with tips and techniques to investigate claims, and where appropriate recover losses. Cases include mobile payment fraud, accounts connected to third-party services, complaints of non-receipt of goods or services, fraudulent A2A, B2B and P2P payments, and more. We will also discuss technologies that seem quite promising in the fight against ACH fraud.

AAP and CERP credits available


  • Regulator guidance and resources list
  • NACHA Operations Bulletin 03-2003
  • Internal training quiz with separate answer sheet
  • Written case studies for internal training (with separate answer sheet)

Course Curriculum

ACH Fraud Investigations and Mitigation
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Law Enforcement
Unauthorized ACH Activity
IRS Refund Return Opt-In Program
FFIEC Business Account Guidance
Scams and your Small Business
Attendance Sheet
Questions and Answers
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Rayleen Pirnie
Rayleen Pirnie

Rayleen is the founder and owner of RP Payments Risk Consulting Services, LLC based in Missouri. She is a nationally recognized payments risk and fraud expert who offers specialized consulting services, procedural and risk management reviews, and payments education. Rayleen’s specialized skill is delving into the world beyond the payment rules; areas where organizations often find themselves in positions of liability or loss with little to no clear guidance. Her programs help organizations identify and mitigate risk and exposure from multiple disciplines. She is an Accredited ACH Professional (AAP) and a Certified Enterprise Risk Professional (CERP) who has worked with all payment systems for 20 years. Rayleen holds a Bachelor of Science in Criminal Justice Administration.