Unemployment Payments

Unemployment Fraud


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Massive Fraud Against State Unemployment Insurance Programs
NEACH is currently working on identifying the ODFIs for the state unemployment offices, to answer the following questions:

1) How are the entries formatted?
You will want to know this, so that you if your able and wish to do additional screening for fraud you can. We are currently awaiting information to answer this question.
 
2) What is the best return code to use if the fraud is spotted beyond the normal return time frame?
The entries have a name mismatch so if spotted in time an R03 would work fine but some FIs are concerned the return will be dishonored.  This maybe unlikely but we want to know that for sure.

Based on our research, we have the following update regarding return codes:

Return codes within the timeframe:
> R03 – When there is a mismatch name
> R16 – If action has been taken to restrict the account
> R-17 – When there is questionable activity
Return codes when outside of the two-day timeframe:
> R-06 – For use with permission from the ODFI
> R-23 – Acceptable for use in this circumstance

3) Can an RDFI delay availability on ACH Payments if they suspect Fraud?
Yes, the Nacha Operating Rules allow for the delay in availability requirements if an RDFI reasonable suspects that a credit Entry is unauthorized.  The RDFI is instructed to reach out to the ODFI promptly in these cases.  This is not an unlimited time.  There are REG CC requirements for posting of electronic items that still must be met (First Business Day Following Banking Day of Deposit).  You may have rights within your account agreements as well.  RDFIs should follow processes it would anytime fraudulent activity occurs on an account.
 
4) What is the liability to the RDFI?
These entries are commercial items (non-government) are subject to the Nacha Operating Rules, which are clear that an RDFI may rely solely on account number for posting.  The ODFI warrants that the information in the entry is accurate and the entry itself is lawful.  This is not the responsibility of the RDFI under the Rules.  The RDFI can certainly help stop this fraud or at least help stop the fraudulent funds from being withdrawn.  The rules allow for an RDFI that suspects a credit is fraudulent to delay availability up to 1 day.
 
The money mule needs to get the funds out from the account at the RDFI and this is where RDFIs with strong monitoring systems can have the biggest impact.  Newly opened accounts or accounts that have been dormant all of sudden are receiving ACH deposits from the state unemployment offices into the account and then immediately trying to either move the money out through online banking or at an ATM could and probably should trip an alarm.
 
Download the GIOC Alert - Massive Fraud Against State Unemployment Insurance Programs

NEACH will continue to update this area of the resource page as we get information from the ODFIs and the answers to the questions you will need answered to help stop this fraud.

 

Identification of Unemployment Payments by State

Last Updated 5.28.20

NEACH would like to extend its thanks to all the members and Payments Associations who helped gather the following information regarding identification of unemployment payments by state. As a note, not all transactions received from these company IDs and ABA numbers are fraudulent. This chart simply indicates that fraudulent claims were submitted along with valid unemployment claims. If you have additional information to help update the chart below, please send an email to info@neach.org with the information and our team will update the chart accordingly. Again, our sincere thanks for all the help we have received in pulling this information together.
xx Statex xx Company Namexx xx Entry Descriptionxx xx CO IDxx xx ODFI Routing Numberxx

AL

DEPT OF LABOR UNEMPLYMNT 1630674968

06200001

  MDES BENEFITSUI 146000765 06200001
AK     C926001185  
      D92601185  
AZ STATE OF ARIZONA BENEFITPAY 8660047930 11100002
  STATE OF ARIZONA     05100002
AR AK DEPT OF LABOR UI UI BENEFIT 1716006690  
  ADWS UI BENEFIT 1716006690  
CA        
CO CDLE UI BENEFITS 1840802678 04200001
CT CTDOL UNEMP COMP 7378361030 02100002
DE        
FL FL DEO UI BENEFIT 1272818119 09100001
GA GA DEPT OF LABOR REG UI 2586002009 061113414
HI DEPT OF LABOR UI PAYMENT 4990303111 09100001
ID        
IL        
IN STATE OF INDIANA UI PAYMENTS 13560000158 4100103
IA ST OF IA UI PAAY UNEMPLOYME 1426004546  
KS        
KY     93500000UA  
LA LOUISIANA WORKFO LDOLUIBEN 2645889577 02100002
ME   MAINE DEPT OF LABOR   UNEMP COMP 1716000001 04200001
MD MARYLANDEMPLOYME BEN    
MA MA DUA CARES ACT C046002284 22117218
  CARES ACT MA DUA MA DU C046002284 22117218
  MA DUA MA PUA PROGRAM C046002284 22117218
  MA DUA MA UI   22117218
MI UIA PRE PAID CAR UI BENEFIT 1382538297 072000805
  UI BENEFTIUIA PRE PAID CAR   05100001
MN MN DEPT OF DEED UI BENEFIT 1411681137  
    CLDE UI BENEFITS 1840802678 04200001
MS MDES BENEFITSUI   6200001
MO MODES UI BENEFIT 00-5875-0  
MT STATE OF MONTANA      
NE NEB WORKFORCE UIPAYMENT 2470491233 4200001
NV NEVADA ESD CLDE UI BENEFITS E886000022 9100001
NH NHUS NHUC BEN 302600618 01150012
NJ        
NM NEW MEXICO DWS UI BENEFIT 1456000565  
NY NYS DOL UI DD 146013200U 04100103
NC NCDESUIBENEFITS UI BENEFIT 7561545517 05300019
ND        
OH ODJFS OHIO2 FAC 3311334373 4200001
  ODJFS FEDERAL 3113343731  
OK CONDUENT DEP TRANSF 713996647 07200009
OR EMPLOYMT BENEFIT UI BENEFIT 9300047101  
PA COMM OF PA UCBENEFITS 103130124 4300012
RI RIDLT UI 1056000522 01150012
SC SCESC UIBENEFITS 2571057320 5390448
SD        
TN     H626001445  
TX TWC-BENEFITS UI BENEFIT 2146000422  
  UI BENEFITTWC BENEFITS    
UT     1400000000  
VT VDOL VDOLPUA 1030272593 22117218
VA VEC-VIRGINA UI Benefit 1546001795 06100010
WA WA STATE EMPLOY SEC UI Benefit 1382538297 04100103
  STATE OF WA- ESD ESD ACH G 1911762161 04100103
  WA ST EMPLOY SEC   1911762161 04100103
        06019464
WV WORKFORCE WV UI BENEFIT 2550754788 04100103
  WORKFORCE WV PUA BENEFIT 3550754788 04100103
WI WISCONSIN DWD UI UI PAYMENT 1396006449 04200001
WY WYOMING DWS UI BENEFIT 1WYODWSUIB