OpenChainGraph Suite · CONTRACT A3 · arch #5

ACH Fraud Monitoring (Nacha Phase 2)

Procedure builder (role-based) > false-pretenses scenario simulator > annual audit pack generator. Nacha Phase 2 effective 2026-06-22.

OpenChainGraph · 3 Steps compliance mandate Hash-Anchored §4 chain_depth:3 Client-Side · Zero PII
Chain Topology — Ach Fraud Monitoring Procedure Builder → Ach False Pretenses Credit Entry Simulator → Ach Fraud Monitoring Audit Pack Generator
§4 Execution Hash · Chain Definition Anchor
execution_hash:computing…
Chain Stages · 3 Steps
1 ROOT · D0 catalog
Ach Fraud Monitoring Procedure Builder 492-ach-fraud-monitoring-procedure-builder
roles and risk_tier feed Stage 2 scenario simulator and Stage 3 audit pack
↓
2 D2 catalog
Ach False Pretenses Credit Entry Simulator 493-ach-false-pretenses-credit-entry-simulator
scenario obligations and recovery path inform Stage 3 gap identification
↓
3 TERMINAL · D3 catalog
Ach Fraud Monitoring Audit Pack Generator 494-ach-fraud-monitoring-audit-pack-generator
Exports annual review audit binder + composite ACH Fraud Policy Mandate -- final stage
Export Artifacts
Download the §4 chain definition artifact (hash-anchored composite JSON) or the §13.11 W3C Verifiable Credentials view. Both derive from the chain definition — no new hash is minted. Available after hash computation.