ACH risk can begin during supplier setup and bank-account changes, rather than at payment time. Treating those events as controlled review points helps teams manage fraud exposure and maintain clearer records.

Account validation, ownership checks, and change review

Account-validation methods can help identify incorrect banking details, while independent verification and trusted callbacks can strengthen review of new or changed supplier accounts. Organizations should confirm applicable ACH obligations and bank procedures with qualified guidance.

Structured supplier intake, role-based approvals, documented exception handling, and time-stamped audit trails support a repeatable control process. A supplier portal can help organize this work, but it does not by itself guarantee compliance.