Beginning in March 2026, U.S. financial institutions in the ACH network must adopt proactive, risk- based fraud monitoring across both origination and receipt flows. These rule changes are not optional and represent the largest regulatory expansion in ACH fraud oversight in over a decade, fundamentally changing how banks, credit unions, processors, and third-party providers manage ACH fraud risk.

The rule updates respond to the surge in sophisticated AI-enabled fraud, driving risk through attack vectors such as Business Email Compromise, vendor impersonation, payroll fraud, mules, and account-takeover attacks. Static rules-based systems are not designed for today’s AI-powered fraud landscape, failing to detect nuanced behavioral changes, generating high rates of false positives, and falling short on audit trails, documentation, and transparency regulators require.

What do these changes mean to FIs? In this webinar we’ll break down the key updates what regulators now expect from fraud monitoring programs. Join experts from Oscilar to get practical guidance, real-world examples of how FIs are modernising today, and a clear roadmap for 2026 Nacha compliance.

What you’ll learn:

• Overview of Nacha’s 2026 risk management rule changes: Clear explanation of the new requirements, enforcement timeline, and who falls within scope.
  
  

• How ACH network participants such as banks, credit unions, and fintechs are impacted: The biggest operational changes to prepare for — from pre-submission screening, though to originator oversight and receipt-side monitoring.
  
  

• Where legacy fraud systems are failing: Why traditional rules-based tools struggle to detect modern fraud typologies — across BEC, ATO, ACH kiting, and more — and struggle to keep pace with evolving fraud empowered by AI technologies.
  
  

• How leading FIs are meeting these challenges head-on with AI-native approaches: How a unified approach across data, device and behavioral intelligence, anomaly detection, and model transparency support the 2026 mandate, with real-world examples.

A practical guide to achieving Nacha compliance in 2026: Actionable steps, a readiness checklist, and guidance on preparing technology and teams for the upcoming rule changes.