ACH Evolution: Preparing for Nacha’s 2026 Rule Changes

November 19th, 2025

1pm ET / 12pm CT

ACH payments have long been a cornerstone of banking operations, but with rising fraud and evolving technology, Nacha is stepping up its expectations. New rules taking effect in 2026 will require financial institutions to enhance ACH risk monitoring, fraud detection, and third-party oversight.

In this practical session, RiskScout’s SVP of Compliance & Operations, Kristin Parker, will break down what’s changing, why it matters, and how you can prepare. You’ll learn what these updates mean for your ACH program, how to adapt your policies and systems, and where technology can help keep you compliant without slowing down your operations.

Join this session to learn:

• Overview of Nacha’s 2026 rule changes and implementation timeline

• How to prepare for enhanced fraud detection and risk-based monitoring

• Steps to strengthen vendor oversight and ACH due diligence

• What regulators will expect during exams

Meet the Presenter:

Kristin Parker, SVP of Compliance & Operations

Kristin is a seasoned expert in BSA/AML and fraud prevention, with extensive experience building and implementing monitoring programs for higher-risk industries. She has contributed to significant updates in the FFIEC manual, provided practical, risk-based AML guidance at industry events, and played a key role in the development of RiskScout’s innovative, actionable BSA solutions. Recognized by her peers as PBC's Compliance Person of the Year, Kristin continues to champion efficient, technology-driven approaches that empower financial institutions to confidently manage regulatory requirements.

Ryan McInerny, Director of Product Strategy

Ryan McInerny is the Director of Product Strategy at RiskScout, where he is passionate about creating solutions to enhance the day-to-day lives of financial institution employees. He brings a wealth of regulatory and technical experience to his role as a former National Bank Examiner with the Office of The Comptroller of the Currency (OCC). At the OCC, Ryan was a member of the OCC’s northeast district committees for compliance and commercial credit, where he helped to identify changing industry trends and risk conditions. Ryan brings a strong business sense with his banking expertise, having received his Masters Degree in Business Analytics from UVA's Darden School of Business.