Payment integrity
Payment Integrity & BEC Controls Review
Your company approved the payment. Did the money go to the right person?
A vendor's banking details change by email, or someone posing as an executive asks for an urgent payment. Your team follows the usual approval, and the money still lands in the wrong account.
I review how vendor banking changes, ACH approvals, payroll changes and finance identity actually work in your company. You receive procedures your team puts in place, a monitoring plan with clear owners, and a readout that ends with your sign-off.
17+ years in IT | Former CIO & IT Director | MSP + internal IT experience | No vendor incentives
Who it is for
Who this is for
This review is built for CFOs, controllers, and finance ops leads at SMBs of about 5 to 200 people who already have an MSP or internal IT.
It fits teams that originate ACH for vendor pay, payroll, or collections. It also fits leaders who have a bank request for fraud-monitoring documentation, or expect one after Nacha Phase 2.
If the tools are in place but nobody owns the payment-fraud procedures, that is the gap I close.
This is not for teams that need a payment platform, an MSP replacement, forensic work after a loss, or a signed compliance attestation.
Nacha Phase 2
Why this matters now
Nacha's Fraud Monitoring Phase 2 rules have been in effect since June 2026, and they apply to every business that originates ACH payments, no matter the volume. You need risk-based processes meant to catch payments that are unauthorized or made under false pretenses, which covers business email compromise, vendor impersonation and payroll redirects. You also have to review those processes at least once a year.
Nacha's own FAQ notes that originators are well placed to run change controls on vendor and payroll payment details. That is the kind of procedure this review helps you document and evidence.
I don't certify Nacha compliance. Your financial institution and counsel own that determination. Nacha's rules also don't change how liability is allocated under UCC Article 4A.
Deliverables
What you receive
You receive outcomes you can use with a bank, broker, or board. How I get there stays inside the engagement.
- A payment-fraud risk map tied to your vendor pay, ACH credit and payroll workflows
- Dual-control and out-of-band callback procedures written for your team to put in place
- A monitoring plan that names who owns each control, how exceptions get escalated, how payment anomalies get reviewed, and how often the process is checked
- A control evidence summary that separates what's verified from what's assumed
- A prioritized gap list with clear ownership language for your IT provider
- An annual review checklist aligned to Nacha's at-least-annually expectation
- An executive readout that ends with your sign-off on the procedures and owners
A procedure only protects you once your team actually follows it. Your team puts these procedures in place, and the readout ends with leadership signing off on them.
Optional add-on: a 90-minute leadership tabletop on a scripted BEC or vendor-change scenario.
Most engagements finish in about 2 to 3 weeks. Most of the work happens remotely.
Out of scope
What you will not get
- Payment software or ACH processing
- Compliance certification or legal opinions
- Insurance placement or coverage advice
- Post-incident forensics
- MSP replacement
Related service
How this differs from the Cyber Insurance Readiness Review
The Cyber Insurance Readiness Review looks at your security controls and the representations you make to your insurer. This review looks at the financial processes that decide whether a payment is legitimate.
If you need ongoing IT leadership instead of a fixed-scope review, that's my Fractional CIO | IT Director service.
Investment
Pricing
The base review covers one bank, one AP tool and one payroll system, across vendor pay, ACH credits and payroll.
| Package | Range | Notes |
|---|---|---|
| Payment Integrity & BEC Controls Review | $3,500 – $6,500 | Base scope: 1 bank, 1 AP tool, 1 payroll system |
| Collections workflows | Quote on the clarity call | Priced option |
| Additional entities or banks | Quote on the clarity call | Priced option |
| Optional leadership tabletop | Quote on the clarity call | 90 minutes online |
| Annual refresh | Quote on the clarity call | Checklist rerun plus updated evidence |
Where you land in the range depends on how many entities, workflows, platforms and evidence sources are involved.
Final scope and fee are confirmed on the clarity call.
The process
How it works
It starts with a free 30-minute clarity call, where we confirm fit and scope.
- Discovery and workflow mapping
- Evidence and control evaluation
- Documented findings and procedures
- Executive readout and sign-off
- Optional annual refresh
Next step
Ready to show a real process, not a checkbox?
If your bank, broker, or board is asking how you stop false-pretenses payments, I'll map what you actually do and leave you with procedures your team owns.
info@noitstrategy.com · 458.262.5571 · Mon–Fri 8 AM–5 PM Pacific
The fine print
Educational disclaimer
N.O. IT Strategy LLC provides educational and operational IT governance support. This service does not constitute legal advice, insurance advice, Nacha certification, a compliance attestation, or a guarantee that fraud will be prevented or that any bank, regulator, or insurer will accept the documentation. Nacha's fraud-monitoring rules do not change the allocation of liability under Uniform Commercial Code Article 4A or other applicable law. Compliance, coverage, and payment-loss determinations remain with the client and their financial institution, counsel, and broker.