ACH Fraud

Proactively uncover unauthorized ACH credits and debits prior to releasing funds.

Powerful prevention to combat ACH fraud

With ACH volume growing annually, customers are demanding increasing speed and convenience. Financial institutions need a powerful ACH monitoring solution now more than ever.

Verafin’s analytics help you protect both your consumer and corporate customers against fraudulent payment and debit schemes. You gain full coverage against prevalent fraudulent transfer scenarios, such as Business Email Compromise (BEC), hijacked payroll, consumer and corporate online account takeover, in addition to the ability to uncover numerous scams such as romance, lottery, and work-from-home schemes involving Peer-to-Peer (P2P) functionality.



Verafin monitors your customers’ online accounts to uncover unusual access. Unusual online account access elevates the risk associated with an ACH transfer, helping you act before a criminal can initiate a fraudulent withdrawal.


Verafin provides enhanced ACH transaction analysis through the examination of cross-channel activity, such as demographic changes to a customer’s account; and multiple data sources such as online banking systems to boost risk in the presence of unusual behavior.


Behavior-based analysis alerts you to ACH payments and debits that are unusual for a customer based on their past behavior, including coverage for corporate customers using the ACH channel. Verafin alerts you to potentially fraudulent originated credits, as well as unusual payroll file alterations.


Get alerted when it appears either a consumer or corporate customer is being victimized by a known criminal scam — including Business Email Compromise or Vendor Impersonation Fraud — before losses can occur.


Monitor ACH transfers in real time

Review alerts before ACH files are released to the Federal Reserve, helping you stop losses and avoid drawn out attempts to retrieve fraudulently transferred funds.

Increase your payee confidence

Significantly reduce time spent on customer call backs to verify transactions. In addition to demographic and transactional factors, Verafin utilizes the power of the Verafin Cloud, analyzing ACH payments made by customers at financial institutions across its cloud environment to determine the validity of a receiving account.

Stay a step ahead through innovation

Criminals are fast moving. As a cloud provider, Verafin releases software enhancements on a weekly basis, meaning you are always protected by the latest analytical advancements.

Improve the value of your alerts

Verafin analyzes multiple data sources to better assess the risk of truly suspicious activity. The result is higher quality alerts that help maximize your investigative efforts.

More Verafin Features

Integrated case management. Integrated case management functionality lets you create a fully audited and tracked investigation. Upload related files, assign tasks to other users, and document your decisions — all in one location. Learn more >
Automated SAR functionality. At the click of a button you can create a pre-populated SAR. Complete your narrative and queue it for overnight electronic submission directly from Verafin to FinCEN. Verafin can also remind you when it is time for 90-day refiling, if the suspicious activity continues. Learn more >
Enterprise reporting. With hundreds of ad-hoc data reports, and the ability to create custom reports that include the information fields you need, Verafin helps improve auditing, reporting and record-keeping of all aspects of your fraud and AML detection efforts. Learn more >
Cross-Channel Fraud Detection. Fraudsters will target every available channel to enrich themselves at your customers’ (and your institution’s) expense. Verafin’s cross-channel analysis generates data-rich alerts that help you proactively detect scams and stop fraud losses from Deposit Fraud, Check Fraud, Card Fraud, Loan Fraud, Wire Fraud, ACH Fraud, and Online Account Takeover. Learn more >

Interested in learning more about Verafin's ACH Fraud Solution?