T493 · Cat-19 · Payment Scheme & Network
ACH False-Pretenses Credit-Entry Simulator
Select a Nacha false-pretenses credit-entry fraud scenario: vendor impersonation, payroll redirect, BEC wire redirect, account takeover, or insider credit fraud: to map which Nacha Phase 2 rule obligations trigger by role and model the funds-recovery path.
Nacha Phase 2 · 2026-06-22
5 fraud scenarios
Role-mapped obligations
Funds-recovery path
Client-side · Zero PII
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Select Fraud Scenario
Vendor Impersonation
Fraudster impersonates a legitimate vendor, submits false ACH credit to their own account. Classic "change of bank details" scam.
Payroll Redirect
Employee or external actor diverts payroll ACH direct deposits to a fraudulent account via false change-of-account request.
BEC / ACH Redirect
Business email compromise leads to fraudulent ACH credit instruction: executive impersonation, compromised email, or spoofed domain.
Account Takeover
Fraudster takes over a legitimate Originator's banking credentials and initiates fraudulent credit entries to mule accounts.
Insider Credit Fraud
Internal employee with system access creates or manipulates ACH credit entries for personal gain or on behalf of external conspirators.
Entry & Discovery Parameters
ACH entry class
CCD: Corporate credit or debit
CTX: Corporate trade exchange
PPD: Prearranged payment & deposit (consumer)
WEB: Internet-initiated
Credit entry amount (USD)
Fraud discovery timing
Same business day as settlement
Next business day (T+1)
T+2 to T+5 (within 5 business days)
After T+5 (beyond 5 business days)
Simulate Scenario & Map Obligations
Scenario Analysis
Regulatory Citations
[1] Nacha Operating Rules: False Pretenses Credit Entry definition and Originator/ODFI/RDFI obligations under the Supplemental Fraud Monitoring Rules (Phase 2, effective 2026-06-22).
[2] Nacha Risk Management: fraud-monitoring-phase-2
[3] Unit21: "Nacha 2026 Rule Changes"
[4] OCC: Retail Payments FAQ (ACH fraud return codes R06, R39); FinCEN SAR guidance for ACH credit fraud.
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Scenario report