{"podcast":{"title":"Fraud Forward","slug":"fraud-forward-6896520","podcast_index_feed_id":6896520,"rss_url":"https://feeds.captivate.fm/fraud-forward/","website_url":"https://www.sardine.ai/media/fraud-forward","image_url":"https://artwork.captivate.fm/5146a799-c8ab-48e2-b29d-f11295c9d93d/Fraud-Forward-Spotify-Cover-Photo.jpg","author":"Hailey Windham","episode_count":120,"summary":"Fraud Forward is a banking-focused podcast bringing together fraud fighters, risk leaders, and financial crime experts to explore how fraud is evolving, and how financial institutions must adapt. Each episode features practical, candid conversations with teams in the trenches, covering strategy, governance, prevention, and recovery. Rather than chasing headlines, Fraud Forward focuses on what’s working, what’s changing, and what fraud leaders need to prepare for as financial crime accelerates. This is where banking comes together to challenge assumptions, pressure-test controls, and move fraud forward.","last_synced_at":"2026-09-16T16:24:07.488000+00:00","page_url":"https://stenobird.com/podcast/fraud-forward-6896520"},"episode":{"title":"From Liability to Visibility: The Real Story Behind NACHA Phase 2","slug":"from-liability-to-visibility-the-real-story-behind-nacha-phase-2","published_at":"2026-07-01T08:00:00+00:00","page_url":"https://stenobird.com/podcast/fraud-forward-6896520/from-liability-to-visibility-the-real-story-behind-nacha-phase-2","show_page_url":"https://stenobird.com/podcast/fraud-forward-6896520","url":"https://www.sardine.ai/media/fraud-forward","audio_url":"https://episodes.captivate.fm/episode/8abf661d-b133-428d-b814-f6ba9d5f7103.mp3","summary":"What’s up fraud fighters, and welcome back to Fraud Forward! Today we are talking about ACH compliance , and I know that may not sound like the most exciting opener in the world, but if you work in fraud, payments, operations, compliance, treasury, management, or anywhere near ACH this matters because ACH is one of the most widely used payment rails in the country. And when something goes wrong, it doesn’t just stay contained to one team. It impacts customers, creates operational strain, introduces regulatory risk, and can expose gaps in how your institution detects and responds to fraud. Over the last few months, I have had conversation after conversation with fraud leaders at community banks and credit unions who are asking the same questions. Do we need new technology? Are we expected to monitor every ACH transaction in real time? What exactly are examiners going to expect from us? And if your head has been spinning a little bit, I want you to hear me on this: you are not alone. This episode is about the real story behind NACHA Phase 2. And to me, the real story is not that every institution needs to run out and buy another fraud platform. The real story is that ACH compliance is becoming a much more intentional conversation. It is about knowing your risk, documenting your processes, understanding who owns what, and being able to explain why your institution monitors ACH fraud the way that it does. I actually think that is a good thing. Because for too long, our industry has leaned on liability as the finish line. If we are not liable, it is not really our problem. And technically, maybe sometimes that has been true. But operationally, ethically, and from a fraud fighter perspective, that has never sat well with me. Fraud does not live in silos. Neither should ACH f…","meta_description":"What’s up fraud fighters, and welcome back to Fraud Forward! Today we are talking about ACH compliance , and I know that may not sound like the most excit…","key_points":[],"chapters":[],"topics":[],"duration_seconds":815,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/fraud-forward-6896520/episodes/from-liability-to-visibility-the-real-story-behind-nacha-phase-2/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/fraud-forward-6896520/from-liability-to-visibility-the-real-story-behind-nacha-phase-2.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}