{
      "name": "ach-fraud-monitoring",
      "domain": "Fraud & Dispute",
      "title": "ACH Fraud Monitoring (Nacha Phase 2)",
      "description": "Procedure builder (role-based) > false-pretenses scenario simulator > annual audit pack generator. Nacha Phase 2 effective 2026-06-22.",
      "composer_url": "https://ainumbers.co/chaingraph/chains/ach-fraud-monitoring.html",
      "steps": [
        {
          "tool_id": "492-ach-fraud-monitoring-procedure-builder",
          "handoff": "roles and risk_tier feed Stage 2 scenario simulator and Stage 3 audit pack"
        },
        {
          "tool_id": "493-ach-false-pretenses-credit-entry-simulator",
          "handoff": "scenario obligations and recovery path inform Stage 3 gap identification"
        },
        {
          "tool_id": "494-ach-fraud-monitoring-audit-pack-generator",
          "handoff": "Exports annual review audit binder + composite ACH Fraud Policy Mandate -- final stage"
        }
      ]
    }