ACH Risk Operations Playbook

Nacha's new credit-push fraud Rules are now in effect. Every U.S. financial institution participating in the ACH Network is required to implement risk-based fraud monitoring, and the question risk leaders are asking is: what now?

This playbook gives you a practical, phase-by-phase checklist for building a fraud monitoring program that holds up over time. Built following Oscilar's recent ACH-focussed webinar with Jordan Bennett (Nacha) and with insight from Nacha's Risk Management Framework, RMAG Guidance, it covers:

• Phase 1: Planning. How to assemble the right cross-functional team for your business context, map your fraud exposure, and identify integration entry points without trying to boil the ocean on day one.
  
  

• Phase 2: Implementation. Getting structured access to your ACH data, running parallel testing against existing policies, and right-sizing your ops team before alert volume becomes a problem.
  
  

• Phase 3: Post-Go-Live. Maintaining living documentation, reviewing performance at the 30-day mark, and avoiding the trap of hard-coded rules that won't scale into 2027.

Each phase includes the specific pitfalls Nacha has seen trip up FIs, plus how Oscilar's Agentic Risk Platform helps teams move from planning to a fully tuned fraud program, without months of engineering work.

Download the playbook to get the full 10-step checklist and Oscilar's Fast-Track for ACH Rules compliance.