Five-stage end-to-end fraud investigation workflow — from NACHA/ISO 20022 intake and sanctions screening, through BIN/FedNow entity intelligence, automated risk scoring with AML rule evaluation, jurisdiction-specific compliance mapping, to a FinCEN-ready SAR narrative and chargeback package. All rule-based logic, entirely in-browser.
Zero PII · Client-Side Only5 Stages · 7 Upstream Tools⚠ NACHA March 2026 LiveSAR Narrative Generator
⚠ Disclaimer — Tool 43 Reference
This tool provides illustrative NACHA format validation and fuzzy-match screening against a small set of published OFAC pattern names. It does NOT replace official OFAC SDN screening tools or legal compliance review. Always verify against the current OFAC SDN list at sanctionssearch.ofac.treas.gov. NACHA fraud-monitoring rules for originators >6M entries/yr are effective March 20, 2026.
Stage 1 · Intake & Validation
File / Entry Type
Format
NACHA ACH
Standard NACHA ACH file — paste header + detail record
Format
ISO 20022 MX
pacs.008, pain.001 or other MX message XML
Format
Manual Entry
Key in transaction details directly
NACHA Sample Records
ISO 20022 XML Snippet
Transaction Details
Originator Classification
⚠ Please run validation and check the confirmation box above before proceeding.
🔍
Awaiting validation run
Fill in the left panel and click Run Validation & Screening to see format validation and sanctions screening results.
Stage 2 · Entity Intelligence
Tools 37 & 06 — BIN/IIN Workbench + FedNow LookupDecode the BIN/IIN for card transactions and look up whether the routing number is a FedNow participant. At least one must resolve successfully to proceed.
BIN / IIN Lookup
FedNow Participant Lookup
Entity Relationship
⚠ Complete BIN decode or FedNow participant search above before proceeding.
🏦
Run a BIN decode or FedNow lookup
Enter a card BIN or routing number in the left panel and click the decode / search buttons.
Stage 3 · Risk Scoring & Classification
Tools 04 & 05 — Fraud Score Simulator + Rule SandboxAdjust feature weights and velocity inputs, then run the scoring engine. Select the EBA fraud typology that best matches your case.
Feature Weights (0–10)
Velocity Inputs
AML Parameters
⚠ Click "Run Risk Scoring Engine" and select a fraud typology below before proceeding.
⚖️
Awaiting scoring run
Configure feature weights and click Run Risk Scoring Engine.
Stage 4 · Compliance & Evidence
Tool 18 — A2A Compliance Checklist GeneratorSelect jurisdiction, product, and entity type to generate the applicable compliance checklist for this investigation.
Jurisdiction
Payment Product
Entity Type
SAR Filing Threshold
⚠ Generate the compliance checklist before proceeding to Stage 5.
⚖️
Select jurisdiction and run checklist
Choose your jurisdiction, product, and entity type then click Generate Compliance Checklist.
Stage 5 · Resolution & Reporting
Tool 41 — Chargeback Builder + SAR Narrative Generator (New)Select the resolution action and complete the SAR five-ws inputs. The SAR narrative is generated entirely client-side — zero data transmitted.
Resolution Action
Action
File SAR Only
Submit Suspicious Activity Report to FinCEN
Action
File Chargeback Dispute
Initiate CE 3.0 chargeback representment
Action
File Both
SAR + chargeback dispute simultaneously
Action
Close — No Action
Investigate closed; no regulatory filing required
Chargeback Reason Code
SAR Five-Ws Inputs
📋
Select resolution action
Choose a resolution action, complete the required fields, then click Generate Investigation Report & SAR.