Fraud & SAR Filings in Fintech: How to Combat ACH Fraud Cases

Fintechs are facing unprecedented fraud risks, with ACH fraud driving record SAR filings and regulators demanding stronger controls. From this report, three clear themes emerge:

• ACH Fraud is the Top Threat – Nearly $2.1B in potential fraud tied to ACH, doubling year-over-year, makes it fintech’s most urgent fraud vector.
• Compliance Pressure is Escalating – With 48% of fintechs filing more SARs and 40% under consent orders, regulatory scrutiny is intensifying.
• Tech-Driven Defenses are Essential – Real-time monitoring, AI/ML anomaly detection, and smarter KYC are proving critical to detect and stop fraud without slowing customer experiences.

This report explores the rise of ACH fraud in fintech and its impact on SAR filings, compliance, and fraud prevention.

• Data-Driven Insights – Based on Unit21’s State of Fraud & AML research, uncover trends shaping fintech fraud and regulatory pressure.
• Actionable Strategies – Learn how tools like real-time monitoring, AI/ML, and tiered KYC help detect and prevent fraud.
• Built for Fintech Leaders – A practical guide for compliance, risk, and fraud teams to strengthen defenses and stay ahead of evolving threats.