PORT ST. LUCIE, Fla. - eTradeWire -- RAS AP Consulting, a nationally recognized Accounts Payable governance and compliance firm, today announced the launch of its Vendor Master File and Payment Controls Assessment—a comprehensive service offering specifically designed to help mid-market companies meet NACHA's Phase 2 Fraud Monitoring requirements before the June 19, 2026 deadline. Because June 19 falls on a federal holiday (Juneteenth), the practical effective date is June 22, 2026, giving organizations a narrow window to validate their compliance posture. The assessment provides a structured, actionable roadmap to close gaps in vendor data integrity, ACH payment workflows, and internal controls before enforcement begins.

Understanding NACHA Phase 2

NACHA's Phase 2 Fraud Monitoring Rule extends fraud monitoring requirements to all remaining ACH originators, third-party service providers, and third-party senders—regardless of transaction volume. Phase 1, which took effect on March 20, 2026, applied exclusively to organizations that process more than 6 million ACH transactions annually. Phase 2 covers all remaining organizations in the ACH network, eliminating any volume-based safe harbor.

Under the rule, covered organizations must implement risk-based fraud detection processes, ACH credit monitoring procedures, and account verification protocols, and maintain documented, audit-ready evidence of compliance. The rule is specifically designed to combat business email compromise (BEC), vendor impersonation, invoice fraud, payroll diversion, and authorized push payment fraud—threats that disproportionately impact mid-market companies lacking dedicated fraud operations teams.

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What the Assessment Delivers

The RAS AP Consulting Vendor Master File and Payment Controls Assessment is a turnkey engagement that covers five critical compliance areas:

●     Vendor Master File Integrity Audit — Identification and remediation of duplicate, dormant, high-risk, and unverified vendor records that create fraud exposure.

●     Payment Workflow Gap Analysis — End-to-end review of ACH payment initiation, approval hierarchies, and segregation of duties against NACHA Phase 2 requirements.

●     ACH Credit Monitoring Readiness Review — Evaluation of current monitoring capabilities and recommendations for risk-based detection aligned with regulatory expectations.

●     Internal Controls Evaluation — Assessment of preventive and detective controls across the procure-to-pay cycle, including banking change authorization protocols and vendor onboarding procedures.

●     Audit-Ready Documentation Framework — Delivery of structured compliance documentation, policies, and evidence packages designed to satisfy examiner and auditor inquiries.

RAS AP Consulting delivers this assessment across all major ERP platforms, including Oracle, SAP, PeopleSoft, JD Edwards, Acumatica, BST, and Deltec—ensuring applicability regardless of technology environment.

Why RAS AP Consulting

Founder and CEO Rosemarie Smith brings 30 years of hands-on Accounts Payable governance experience across enterprise and mid-market companies spanning multiple industries. She is an Esker AP Automation Partner Alliance member, the trainer for IFOL's annual 1099 Reporting Webinar, and an SME panelist on IFOL AP webinars covering 1099 reporting and AP fraud prevention. RAS AP Consulting's technology partnerships—including Esker for AP automation and Morado for AI-powered 1099 reporting—reinforce its position as a full-spectrum AP compliance authority uniquely equipped to address the intersection of vendor data governance, payment controls, and regulatory compliance.

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"NACHA Phase 2 isn't just a regulatory checkbox—it's a wake-up call for every mid-market company that hasn't stress-tested its vendor data and payment controls. The organizations that act now will be the ones with clean audit trails and airtight fraud defenses when examiners come knocking." — Rosemarie Smith, Founder & CEO, RAS AP Consulting

Get Started

Organizations seeking to assess their NACHA Phase 2 readiness are encouraged to contact RAS AP Consulting to schedule a consultation. With fewer than eight weeks remaining before the compliance deadline, early engagement ensures sufficient time to identify gaps, implement remediation, and assemble audit-ready documentation.

To learn more or request an assessment, contact Rosemarie Smith at roseasmith@rasapconsulting.com or visit the RAS AP Consulting website. https://rasapconsulting.com