ACH Fraud Monitoring demo

What the demo shows

Payments fraud teams monitor sent and received ACH for false-pretenses fraud under Nacha rules

A File watch agent reads every Federal Reserve file and partner ledger as it lands. A Sent entries agent scores what the bank sends before release and a Received credits agent scores every credit before posting, against the account's age and the receiver's own pay history, and holds a suspect credit under the funds availability exemption. A Mirror agent joins entries on both sides that touch the same account or device, so a mule account's money in and money out stop together. A Contact agent asks the other bank to confirm through its registered fraud contact, reads the reply into the case and drafts the notice and the return. A Program agent keeps each rule's outcomes, proposes changes replayed over 90 days and drafts the annual review; an Evidence agent builds the packs. A specialist prepares every return, hold and restriction, and a manager who did not prepare it checks and releases it.

Transcript

1. 0:00ACH Fraud Monitoring watches what a bank sends and receives for false-pretenses fraud.
2. 0:09Nacha’s rules now cover every bank; email compromise cost 2.8 billion dollars in 2024.
3. 0:18Tessaly’s screen splits like the rules: sent, received, and the rule between.
4. 0:25Overnight, a $3,412.66 Delmar Freight payroll credit arrived for a two-day-old account.
5. 0:35Delmar paid Marcus Hollis into his own account for seven years.
6. 0:41The mirror agent found that account’s cash-out, queued for Friday.
7. 0:47The sending bank confirmed the change came by email from a look-alike domain.
8. 0:53The agent drafts the notice and a false-pretenses return.
9. 0:59Priya signs; Owen, her manager, checks the evidence and releases it.
10. 1:07Every rule and override is versioned; one pack answers the FDIC examiner.
11. 1:15Marcus is paid Friday, the cash-out never leaves, the review writes itself.
12. 1:23Built on Botminds: agents, data, screens and governance on one platform.

The narration as written for the film. Captions are on the player.