MILWAUKEE — Corporate Central Credit Union has launched an ACH fraud-scanning service through a partnership with Advanced Fraud Solutions (AFS), offering member credit unions a new tool designed to help meet recently implemented fraud-monitoring requirements under Nacha rules.
According to Corporate Central, the ACH Fraud Scanning service is available through its Beastro platform and is powered by AFS’s TrueACH solution. The service is intended to assist credit unions in complying with Nacha rules that took effect March 20, 2026, requiring ACH participants to implement risk-based fraud monitoring and enhanced account validation procedures. The rules also established standardized “PAYROLL” and “PURCHASE” transaction descriptors for certain ACH entries.
Corporate Central said the changes are aimed at strengthening fraud prevention, transparency and risk-management practices across the payments industry.
The new service provides real-time validation of account status and ownership and draws on a nationwide consortium database that includes more than 1,200 financial institutions and more than 50 core processors, according to Corporate Central.
The New Capabilities
Among the capabilities cited by Corporate Central are:
- Account existence and account standing validation.
- Identification of return activity, non-sufficient funds indicators and stop-payment requests.
- Verification of authorized account owners.
- Detection of suspicious or unusual transaction patterns.
- Support for both originating depository financial institution (ODFI) and receiving depository financial institution (RDFI) workflows.
Corporate Central said the service is highly configurable, allowing credit unions to tailor scanning parameters based on file direction, Standard Entry Class (SEC) codes, transaction codes and dollar thresholds.
Automatic or Manual? It’s Not Just for Cars
According to the organization, credit unions can choose automatic or manual file scanning and isolate flagged transactions for review, a feature designed to improve operational efficiency while strengthening internal controls.
“Fraud threats continue to evolve, and regulatory expectations are increasing alongside them,” Heather Ristow, senior vice president and chief experience officer at Corporate Central, said in a statement. “By partnering with Advanced Fraud Solutions, we are equipping our members with the tools they need to meet Nacha’s new requirements with confidence while protecting their institutions and account holders.”
Evolving Risk
Jordan Bothwell, chief partnership officer at Advanced Fraud Solutions, said ACH fraud risks continue to change and that financial institutions need access to reliable, real-time information to make sound risk decisions.
“Our partnership with Corporate Central enables credit unions to leverage consortium-powered intelligence and account validation tools directly within their existing workflows,” Bothwell said.
Corporate Central said member credit unions can activate the ACH Fraud Scanning service within the Beastro platform and configure settings to align with their compliance and risk-management strategies. Charges for scans will be reflected on monthly statements.
The organization said member credit unions seeking additional information or assistance with activation may contact Corporate Central’s Member Experience Team.
