9 Module Online Course

Fraud Mitigation Professionals
Certificate Program

March 2026 - August 2026

 

PROGRAM FORMAT

Live + On‑Demand Learning

Live sessions held every 2–3 weeks, supported by tools, playbooks, and real cases

PRICE

$995

NEACH Members
 

$1395

Non-Members

Interested in NEACH membership? Connect with our Membership team.

PURCHASE

Register

Price listed is per person.

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Review the program details, outcomes, curriculum, and pricing—all in one place.

A structured, end‑to‑end investigation framework for fraud, risk, and operations professionals—supported by tools, playbooks, and applied knowledge checks.


Fraud schemes are evolving faster than most institutions can investigate them—spanning deposit, lending, ACH, P2P, wire, card, and digital channels with increasing speed and complexity. Fragmented processes, inconsistent documentation, and limited investigative experience can leave teams struggling to connect red flags, protect account holders, and defend decisions during audits or exams. Financial institutions need professionals who can confidently assess risk, analyze patterns, and take decisive, defensible action.


The Fraud Mitigation Professionals Certificate Program gives investigators, risk officers, and operations staff a structured path to build those capabilities—delivering the tools, frameworks, and applied practice required to elevate fraud response from reactive to strategic.

Build Investigative Confidence

Learn how to recognize red flags, connect data across channels, document findings clearly, and apply structured investigative techniques that support fast, defensible decisions.

Strengthen Institutional Fraud Controls

Use proven checklists, triage playbooks, decision trees, and real‑world scenarios to improve consistency, close knowledge gaps, and support audit‑ and examiner‑ready practices.

Advance Your Fraud Investigation Skills

Advance through nine progressive courses—from fundamentals to capstone—designed to help fraud, risk, and operations professionals identify schemes sooner and stop losses faster.

Before you dive into the full curriculum, we’ve also provided a ready‑to‑use Manager Approval Request Letter to help you secure organizational support. If you need internal sign‑off to participate, you can download the letter and share it with your manager—it outlines the program’s structure, learning outcomes, and the value your participation brings back to the institution. This makes it easy to communicate why the Fraud Mitigation Professionals Certificate Program is a strategic investment in both your development and your institution’s fraud‑mitigation capabilities.

Program curriculum

Delivered virtually through nine progressive, instructor‑led modules from March through August, this program builds individual investigative skill and applied judgment across every major payment channel. Live, interactive webinars—supported by optional study halls—combine real‑world case studies with practical tools including playbooks, checklists, red‑flag matrices, and triage frameworks. Learning progresses from foundational investigation practices to advanced, cross‑channel case analysis and a comprehensive capstone, with required knowledge checks reinforcing retention and immediate on‑the‑job application.

MODULE 1 - March 19, 2026

Fraud Investigation Fundamentals: Case Management & Evidence Collection 

Fraud touches every area of the institution, from frontline staff to compliance, risk, and operations teams. Yet many employees tasked with reviewing suspicious activity or customer disputes have limited formal training in investigation practices.

This session provides a practical foundation in case management and evidence collection—the building blocks of an effective fraud investigation. Through guided instruction, real‑world examples, and interactive case studies, attendees learn how to document cases clearly, gather and preserve evidence, and recognize key red flags.
Whether participants are new to investigations or stepping into a fraud‑focused role, this course equips them with the essential skills to conduct thorough, consistent, and defensible investigations.

MODULE 2 - April 2, 2026

Advanced Fraud Investigations: From Red Flags to Resolution

Building on the fundamentals of case management and evidence collection, this advanced course equips fraud investigators, compliance staff, and operations professionals with the tools to recognize complex red flags and connect them to systemic fraud activity. Participants will learn advanced techniques for identifying emerging fraud schemes, determining escalation thresholds, and resolving cases through coordinated investigative strategies.


Through practical scenarios and case studies, the session emphasizes connecting disparate data points, navigating escalation paths, and applying critical thinking to achieve effective case resolution.

MODULE 3 - April 16, 2026

New Accounts, P2P & ACH Fraud: Indicators, Mules, Authorization Risk & Mitigation

The fraud landscape is shifting rapidly, with criminals exploiting new accounts, P2P rails, and ACH transactions to move money faster than ever. This session pulls back the curtain on how bad actors weaponize onboarding gaps, mule accounts, and weak authorization practices to bypass controls and expose financial institutions to unrecoverable losses.


Through real‑world case studies and interactive polling, participants learn how to spot early red flags in new‑account activity, identify the telltale signs of mule networks, and evaluate authorization evidence when ACH debits are disputed. Attendees leave with a practical investigation checklist, a control playbook, and proven mitigation strategies they can implement immediately.

MODULE 4 - May 7, 2026

Business Email Compromise, Email Account Compromise & Fraud

Email compromise remains one of the most costly and persistent fraud threats facing financial institutions and their account holders. Criminals exploit vulnerabilities in email systems and human behavior to divert payments, steal credentials, and manipulate business processes. This session dives into how BEC and EAC schemes work, the red flags to watch for, and how investigators can follow the fraud trail to uncover mule accounts and document cases effectively.


Through real‑world case studies and audience polling, participants learn to spot early warning signs, analyze payment‑diversion tactics, and apply investigative techniques that trace transactions, gather key evidence, and support escalation decisions. Attendees leave with actionable mitigation strategies that help protect both their institution and its customers.

MODULE 5 - June 11, 2026

Deposit & Lending Fraud

Deposit and lending fraud continues to evolve, with fraudsters leveraging technology and documentation gaps to exploit financial institutions. This session focuses on the investigative and compliance dimensions of modern check fraud, loan fraud, and HELOC abuse. Participants will explore red flags, investigative approaches, and the documentation standards necessary to support loss mitigation and regulatory obligations.

Through case studies and polling, attendees practice identifying fraud patterns, validating documentation, verifying identities, and assessing loss exposure. The course provides practical insights, investigative steps, and escalation strategies that strengthen institutional defenses and ensure a consistent, compliant response.

MODULE 6 - June 25, 2026

Internal Fraud & Embezzlement

Insider fraud poses unique challenges because perpetrators often understand an institution’s systems, controls, and vulnerabilities better than anyone else. This session explores employee theft, embezzlement, and vendor‑related fraud, highlighting the red flags and control failures that allow these schemes to unfold.


Through real‑world examples and interactive polling, participants learn how to detect early warning signs, apply investigative techniques, and recommend mitigation strategies grounded in strong controls, independent audits, and cultural safeguards. By the end of the course, attendees will be able to identify indicators of insider abuse, analyze root‑cause failures, and recommend escalation and reporting actions that satisfy compliance expectations.

MODULE 7 - July 16, 2026

Cross-Channel Fraud Red Flags

Fraud rarely stays confined to one payment channel. Criminals exploit weaknesses across ACH, wires, checks, cards, and digital banking—moving quickly to obscure their tracks and maximize losses. This session highlights the red flags that emerge only when activity is viewed holistically, and how siloed monitoring can create dangerous blind spots.


Participants examine real‑world fraud patterns, practice connecting data points across channels, and learn to identify indicators of systemic, coordinated activity. With a focus on investigative strategy and compliance implications, this course shows financial institutions how to strengthen detection, documentation, and escalation practices for fraud that spans multiple products, accounts, or customers.

MODULE 8 - July 30, 2026

Real-Time Fraud Monitoring & Triage Playbooks

Fraud moves in seconds, not days—and financial institutions must respond just as quickly. This course equips fraud teams with the skills and playbooks needed to evaluate real‑time alerts, triage cases efficiently, and make informed decisions about whether to block, escalate, or release transactions. Through interactive case studies, participants practice applying monitoring rules, balancing false positives against missed fraud, and designing escalation protocols that protect the institution while minimizing customer disruption.


Attendees leave with adaptable triage templates and decision trees that strengthen both frontline detection and institution‑wide fraud response strategies.

MODULE 9 - August 13, 2026

Capstone Course: Fraud Investigation Mastery

This final course serves as the program’s capstone, bringing together the concepts, tools, and investigative strategies introduced throughout the series. Through case‑based practice, attendees apply their skills across ACH, P2P, BEC, deposit, lending, insider, and cross‑channel fraud scenarios—mirroring the complexity and pace of real‑world investigations.


Participants will connect red flags across channels, apply documentation standards, and practice decision‑making using the toolkit elements developed throughout the program. The session concludes with a practice quiz and final Pro Tips, ensuring each participant leaves with sharpened investigative judgment and a holistic understanding of fraud risk ahead of the final 10‑question exam.

STUDY HALLS  - May 12, 2026 & August 4, 2026

Optional Study Halls

Held at key points during the program, these optional virtual Study Halls provide a structured pause to regroup, ask questions, and reinforce understanding of recent content. Participants can clarify concepts, discuss real‑world challenges, and preview what’s ahead, creating a supportive, collaborative touchpoint designed to help learners stay on track and finish the program with confidence.

What makes this program different

Built for Real Investigators,
Not Just Awareness
 

This program goes beyond concepts—participants learn how to detect, document, and resolve fraud using practical investigative techniques that mirror real‑world cases.

A Structured, End‑to‑End
Investigation Framework
 

Unlike typical fraud webinars, this certificate builds a progressive skill path from fundamentals to advanced analysis, culminating in a capstone investigation and final exam.

Tools Your Team Can Use
Immediately
 

Every course includes checklists, playbooks, red‑flag matrices, and triage templates designed to standardize documentation and strengthen institutional fraud response right away.

Faculty and Speakers

Rayleen M. Pirnie, BCJ, AAP, CERP

Rayleen M. Pirnie, BCJ, AAP, CERP

Director, Risk & Fraud
NEACH

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FAQs

Is a group discount available?

Yes. Group discounts are available for four or more participants from the same institution. To learn more, please contact NEACH at info@neach.org. 

Can multiple departments participate under one registration?

No. Each registration is per person.

 

 

Who leads instruction?

Rayleen M. Pirnie, BCJ, AAP, CERP, Director of Risk and Fraud, NEACH

Rayleen serves as the Director of Risk and Fraud at NEACH, where she oversees the comprehensive risk management program and advances strategies to support industry and member efforts in identifying and mitigating fraud.

With over 27 years of experience, Rayleen is a leading expert in payments rules, compliance, risk management, fraud mitigation, investigations, and information security. Through her various leadership roles and ongoing dedication to staying well versed in today’s complicated fraud landscape, she has acquired a deep knowledge that enables her to deliver actionable solutions to financial institutions, financial service providers, and other industry sectors.

Rayleen holds a Bachelor of Science in Criminal Justice Administration (BCJ) and is an Accredited ACH Professional (AAP) and a Certified Enterprise Risk Professional (CERP). Rayleen is also a member of the Association of Certified Fraud Examiners (ACFE), serving on its Advisory Council, and a member of the International Association of Financial Crimes Investigators (IAFCI). Additionally, Rayleen served on the Federal Reserve’s Sharing Information on Scams to Improve Fraud Mitigation workgroup (2023-2024), where she focused on fostering collaboration within the industry to facilitate voluntary and collective change in the fight against scams.

Rayleen is a popular national event speaker, balancing actionable insights with humor and energy in every session. As an NPG advisor, she offers clients a thoughtful take on their risk management programs, specializing in fraud mitigation.  

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How long do we have access to courses and materials?

Course materials, recordings, and resources are available from the date of purchase through September 1, 2026.

 

 

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Ready to Get Started?

1.

Get the brochure

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2.

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Still have questions about the program? Use the link below to book a call with our membership team who will help answer any questions you have about the program.

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3.

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