Vendor payment fraud and ACH-enabled account takeover continue to rise, and the Nacha Web Debit rule puts financial institutions closer to the front line of defense than ever. This session examines the ODFI's oversight obligations under the Web Debit rule, how fraudsters exploit weak account verification at the Originator level, and what banks and credit unions should be looking for when evaluating their commercial clients' compliance posture. Practical guidance and case studies included.