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For informational purposes only, not considered an advertisement.
ACH Monitor Fraud Review and Approval
USER GUIDE
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —1—
ACH MONITOR FRAUD REVIEW AND APPROVAL
Welcome to M&T Bank’s ACH Monitor Fraud Review and Approval. Using
the Fraud Review and Approval service, you have the ability to make pay
or return decisions on unauthorized ACH payments presented to your
accounts. You can also set up and delete companies that are pre-
authorized to debit your accounts without having to contact the bank.
In addition to Fraud Review and Approval, the overall ACH Monitor service
offers four features that provide ACH payment originators and receivers
even greater value added services. Other features include Control Total
Reporting, ACH File Monitoring Emails, Payment and File History, and a
Payment Schedule. If you are interested in any of the other features
available in ACH Monitor, please contact your Treasury Management
Consultant or M&T Bank’s Commercial Service Team at 1-800-724-2240
Monday through Friday between the hours of 8am and 6pm ET.
This comprehensive User Guide provides screen shots and instructions
on how to maximize the use of the ACH Monitor Fraud Review and
Approval service. A table of contents is provided on the next page to help
you navigate the content included in this manual.
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —2—
TABLE OF CONTENTS
LOGGING ON VIA COMMERCIAL SERVICES ................................................................................. 3
ACH MONITOR CUSTOMER HOME PAGE ..................................................................................... 5
ACH MONITOR SYSTEM ADMINISTRATION .................................................................................. 7
SECONDARY APPROVAL ................................................................................................................ 16
ACH MONITOR HOME PAGE .......................................................................................................... 17
ACH MONITOR FRAUD REVIEW AND APPROVAL ..................................................................... 19
APPENDIX: EMAIL NOTIFICATIONS FOR FRAUD REVIEW AND APPROVAL ....................... 32
CONTACT US .................................................................................................................................... 50
ACH Monitor Fraud Review and Approval USER GUIDE
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LOGGING ON VIA COMMERCIAL SERVICES
From the M&T Bank Commercial Page https://www.mtb.com/commercial/Pages/Commercial.aspx please
select Log In at the top of the page under M&T. Under Log In, Select Commercial Services located under
Access Other Accounts & Services
Note: ACH Monitor is supported on Chrome, Firefox, Safari, and Internet Explorer 8.0 or higher.
2. Enter your User Name and Password and Click Log On
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —4—
ACCESS TO M&T ACH MONITOR
Simply click on the link for ACH Monitor under Payments on the Commercial Services Single Sign-On
screen. When you log out of M&T ACH Monitor, you will return to the Commercial Services Single Sign-on
Landing Page.
OTHER FEATURES:
• You can access other M&T Treasury Management services on the top bar of the Commercial Single
Sign-On webpage
• Announcements and important notices regarding your M&T Bank accounts will appear in the center of
the Commercial Single Sign-On Landing Page
LOGGING OUT
Click Logout to properly log off of Commercial Single Sign-On.
Note: As a safety measure, Commercial Single Sign-On will automatically log a user off after 15 minutes of
inactivity.
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —5—
ACH MONITOR CUSTOMER HOME PAGE
Depending on the access you are granted, you may click the System Administration menu to set up, view
and modify user access. You also have the option to go directly to the individual services from the left hand
navigation menu. If you need to change your password, contact the Commercial Service Team at 1-800-
724-2240.
John Smith Company
Your name and organization appear within the top banner, along with a Home page and Log Out button.
This navigation bar remains to the left of all screens. It can be used to move between the various services in which your organization is enrolled.
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —6—
BANK MESSAGING FEATURE:
This page will alert your organization and users of important information
that may impact their use of the ACH Monitor system.
Important messages from M&T Bank will appear on the ACH Monitor Home Page. These messages and alerts will notify your organization and users of important information that may impact their use of the ACH Monitor system.
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —7—
ACH MONITOR SYSTEM ADMINISTRATION
Below is the home page that appears for the ACH Monitor System Administration. The System
Administrator can grant, modify or delete access to individual users, or to groups of users. Important Note:
At least one group must be set up in order to create users and assign them access to ACH Monitor
services. However, multiple groups can be created depending on your organization’s needs.
ADD NEW GROUP
The screen below allows the ACH Monitor System Administrator to set up a new group. Again, you must
complete the Group Information section before users can be added and given access to the services.
Multiple groups can be added depending on the needs of your organization. Enter the appropriate
information into the three sections on this screen to finish setting up a group.
• Group Information
• Users
• Permissions
Test Sample Company Test Sample Company Test Sample Company Test Sample Company
Test Sample Company Sample Company Test Test Sample Company
Test Sample Company
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —8—
All mandatory fields are denoted with an asterisk (*). Click Save when finished.
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —9—
MODIFY CORPORATE GROUP
At this screen, you can enter or review information for a group and make any desired changes. After
selecting the appropriate group, click Modify to update this group’s access to specific modules within ACH
Monitor. Once finished, click Save to submit your changes. Each feature that you subscribe to in ACH
Monitor is listed on the Permissions screen.
Each feature that you subscribe to in ACH Monitor is listed on the Permissions screen.
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —10—
On the following screen, select the service(s) to which you would like to grant this group access and
proceed accordingly. Press Save to confirm changes.
Sample
Sample
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Sample
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —11—
ADD CORPORATE USER
In order to add a new user to ACH Monitor, you must first add the user to the Commercial Single Sign-On
service. Please see page 3 for instructions on creating a new user in Commercial Single Sign-On.
Once you have added the new user to Commercial Single Sign-On, proceed to the System Administration
screen in ACH Monitor and select User Administration from the left navigation menu.
John Smith Company
Click Add at the top of the screen and complete all of the fields on the following screen with an asterisk (*)
in order to establish the new user on ACH Monitor.
ACH Monitor Fraud Review and Approval USER GUIDE
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USER ADMINISTRATION SECTION
John Smith Company
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —13—
ASSIGN GROUPS SECTION
NOTIFICATIONS SECTION
Note: You must enter the User ID (IUUID) provided to you upon establishing this new user in Commercial
Single Sign-On. Click Save to proceed.
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —14—
MODIFY CORPORATE USER
At this screen, you may review, add, change or delete any user information in the fields shown. After
selecting a user and clicking Modify, you may review, add, change or delete any of the user information in
the fields shown.
You also have the capability to add or remove the user from the groups within the Assign Groups section
shown below.
Smith
Smith
Smith
Smith
Smith
Smith
Smith
ACH Monitor Fraud Review and Approval USER GUIDE
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In addition, the System Administrator may assign email notifications to the user that alerts the individual to
specific events in ACH Monitor. Click Notifications to view all available email notifications for the user.
In order to assign email notifications sent to a selected user, click Add and review the list to select the
notifications you would like that individual to receive. For reference, a list of available email notifications and
a brief description is included in the appendix of this user manual.
Once finished, click Save to confirm your selections and return to the previous screen.
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —16—
SECONDARY APPROVAL
M&T clients have the option to require all critical ACH Monitor Fraud Review and Approval decisions to
require secondary approval before those decisions are processed.
The Secondary Approval option allows your organization to require all authorization records, as well as Pay
or Return decisions to be reviewed and verified by a second individual before the action is processed by
the bank. If a decision is submitted and not approved by the decision deadline the payment will be
automatically returned by the Bank.
STEP 1: NOTIFY M&T BANK
In order to begin utilizing the secondary approval feature within ACH Monitor Fraud Review and Approval,
contact your dedicated Treasury Management Consultant or the Commercial Service Team at 1-800-724-
2240.
Once M&T Bank has enabled Secondary Approval functionality, all Groups and Users* will be held to
Secondary Approval restrictions. Therefore, any new or modified Authorization Record, as well as any Pay
or Return decision will require approval by a separate ACH Monitor user prior to being executed within the
system.
* Regardless of your organization’s ACH Monitor set up, all users and capabilities assigned to your System
Administrator group will not be held to Secondary Verification restrictions.
Important Note: The ACH Monitor system will permit your System Administrator to set up Secondary
Approval at the Group and User level. However, M&T Bank recommends against establishing these
different levels of Secondary Approval. Establishing different Secondary Approval permissions at the
Group or User level, may adversely impact a user’s ability to take actions within the system, due to
conflicting permissions. Instead, M&T recommends that you leave the Secondary Approval permissions
unchanged for your Users and Groups. Then, once M&T establishes Secondary Approval for your
organization, all new or modified Authorization Records, as well as all Pay or Return decisions could be
made by a second user assigned to your account(s).
STEP 2: ASSIGN EMAIL NOTIFICATIONS TO YOUR ORGANIZATION’S GROUPS
The ACH Monitor System Administrator may assign email notifications to your organization’s various
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —17—
groups to ensure users receive notifications any time an item requires their attention.
• Emails will be sent to all users (except the user initiating the action) when a Pay or Return decision or
new authorization record requires secondary verification
• Once an initial decision is approved or denied, the user who made the initial decision will receive a
confirmation of the action taken
Refer to the appendix of this User Guide for samples of all Secondary Verification email notifications.
ACH MONITOR HOME PAGE
The screen that appears after you log into ACH Monitor is the home page, which lists the feature(s) that are
part of the package to which you subscribe. These may include the following:
• The Control Total feature allows you to enter Control Totals that correspond to ACH files your
organization has submitted. You also have the capability to view and modify Control Totals that were
submitted up to five calendar days prior, for which a matching ACH file was not received by M&T Bank
• Fraud Review and Approval allows you to review and make pay or return decisions on debits presented
for payment against your account(s). You may also set up and maintain company Authorization
Records that automatically pay debits presented from companies that you have preauthorized
• Payment and File History provides real-time information on ACH payments that you have originated or
received. Information is available at the file level, batch level and transaction level
• Information at the file level is available for 15 calendar days. Payment level info is available for 60 days
within the Originated & Received Payments module
• The Payment Schedule allows you to set up a schedule of expected ACH payment activity. If an ACH
payment is not submitted as scheduled, you will receive an email notification
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —18—
Select the service you would like to access by clicking on the left hand navigation menu.
John Smith (Company)
If you are interested in any of the additional features available in ACH Monitor, please contact your
dedicated Treasury Management Consultant or M&T Bank’s Commercial Service Team at 1-800-724-2240.
Important alerts and messages will be posted here
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —19—
ACH MONITOR FRAUD REVIEW AND APPROVAL
Fraud Review and Approval is a service that enables you to set up and maintain Authorization Records, as
well as make pay or return decisions on debits presented against your accounts.
The following features are available within ACH Monitor Fraud Review and Approval:
• Select Authorizations to review the existing companies that are already authorized to debit your
account(s)
• Select Pay or Return Decisions to enter a Pay or Return decision on a debit that was presented to your
account, for which a matching authorization record did not exist
• Allows the user to easily export the organization’s Audit Activity report which will show the actions
taken by which users.
SECONDARY APPROVAL
• If your organization has been set up with the optional secondary approvals feature set up, click
Secondary Approval - Authorizations to review and make the final decision on another user’s action
• If you have the optional secondary approval feature set up, select Secondary Approval - Decisions to
review and make the final decision on another user’s action to Pay or Return a presented debit
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —20—
ADD AUTHORIZATION RECORD
This screen allows you to complete the information required to add an authorization record. An
authorization record is the record within ACH Monitor granting another company or other entity permission
to debit your account. You can set up authorization records for any entity that should be allowed to
process payments against your account.
Any entity for which an authorization record does not exist will have any submitted debits presented
against your account rejected by ACH Monitor Fraud Review and Approval.
You will be notified of all rejected payments and will then be able to log into ACH Monitor to make Pay or
Return decisions on those rejected debits.
To begin, click Add. Select the appropriate Account Number for which the new authorization will apply.
Sample
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ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —21—
After selecting the appropriate account number, the screen below will show additional fields to complete.
If any of the required fields are left blank, ACH Monitor will prompt you to complete the information before
it is submitted.
In some cases, you may have a need to limit the total number of payments an authorized party is permitted
to debit your account. This is accomplished by completing the Number of Transactions
Authorized field which limits how many transactions should be accepted with the authorization, found
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —22—
underneath the Transaction Type Code toward the middle of the page.
• For example, a company may structure a payment plan with a vendor to allow the vendor to debit its
account for only six installment payments. After the sixth payment, they should not be permitted to
debit the account any longer
Once the total number of payments entered into that field has been presented against the account, ACH
Monitor will automatically begin rejecting any payments from that entity. At that point, users will need to log
into ACH Monitor and make Pay or Return decisions on those rejected debits.
Note: If you do not have a need to limit the total number of payments, simply leave that field blank. It is not
required to complete the setup of the authorization record.
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —23—
In the event that you receive a new authorized debit from an unknown company, you can add a new
authorization for that company attempting to debit your account simply by selecting Add Authorization
Record:
REVIEW AUTHORIZATIONS
In the screen below, after clicking Authorizations, a user can view the organization’s Payment
Authorization Records.
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —24—
Note: To customize the grid view of existing Authorization Records, the user can click any of the column
labels shown on the top of the page to add or remove specific columns from the current view.
Once you have selected an Authorization Record from the prior screen, if any of the information shown is
incorrect or needs to be changed, select the record and then Modify to edit the existing record. To delete
the selected Authorization Record, select the record and press Delete.
Sample Company
Sample Company
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Sample Company
Sample Company
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ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —25—
Sample Sample
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ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —26—
PAY OR RETURN DECISIONS PAGE
The screen below provides a list of the debit payments presented to the account(s) you selected.
• For debits presented to your account, selecting Pay Selected means you are approving the payment
to be debited from your account. Selecting Return Selected means you are returning the debit to the
originator
• If you select Reset Status, this payment will sit in pending status until a decision is made to Pay or
Return or the Bank default action to Return the payment is taken on your behalf after the decision
deadline.
Sample Sample
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Status of received debit
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —27—
If the user decides to pay the selected item, the following confirmation message will appear on the screen
below. In addition, if that user wishes to add that company to its database of authorized records, they
should select Add Authorization Record. If the payment is intended to be one-time only, the user should
select Pay This Time Only.
123456789
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —28—
SECONDARY APPROVAL VERIFICATION ON AUTHORIZATION RECORDS (OPTIONAL FEATURE)
Secondary Approval Verification is an optional feature that can be set up to provide your organization an
additional layer of security over its Authorization Records. The Secondary Approval Verification feature
requires an authorized approver to review, and accept or reject the decision made by other users to add or
edit an authorization record.
The Secondary Approval Authorizations Verification screen allows you to review the authorizations that
have been added by another company user.
This screen lists the authorization records submitted for approval to be added to your organization’s active
Authorization Record database. Review the company information presented. Click the appropriate button
depending on your decision to Approve or Decline the request to add the authorization record.
You will receive an email notification confirming your decision to approve or deny the authorization record
selected.
Sample Sample
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —29—
If you deny the request to add the authorization record selected, this comments screen appears. Here, you
may send a comment to the user who submitted the request for approval. Type your comment in the blank
box, and then click Deny.
NOTE: Your deny decision is not final until you click Deny.
Sample Sample
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —30—
SECONDARY APPROVAL DECISIONS ON REJECTED DEBIT PAYMENTS (OPTIONAL FEATURE)
Secondary Approval Decisions is an optional feature you can choose to enable for an added layer of
security.
Secondary approval allows an authorized approver to review and accept or reject the decisions made by
other users to Pay or Return debits presented against your account(s).
This screen will display all payments or decisions awaiting secondary approval. You will receive an email
notification confirming your decision to approve or deny the payments selected.
NOTE: Any payment for which an initial decision has been made, but no Secondary Approval decision has
been entered will be automatically returned. In order to avoid your items from being returned by default,
please ensure all initial decisions and Secondary Approvals are entered and completed before the 4PM ET
decision deadline.
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ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —31—
This is the screen that lists all debits for which decisions were made by a previous user. Review the
payment information presented and click the appropriate button depending on your decision to approve or
deny the payment decision made by the initial user. You will receive an email notification confirming your
decision to approve or deny the payment selected.
If you deny the request to pay the debit payment selected, this confirmation screen appears. Here, you may
review the decision to be made and then click OK.
Note: Your deny decision is not final until you click OK.
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ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —32—
APPENDIX: EMAIL NOTIFICATIONS FOR FRAUD REVIEW
AND APPROVAL
A major feature of the ACH Monitor service is the wide array of email notifications that are sent to users
enrolled for various services. Emails are triggered by different events and are sent automatically from the
service. The Fraud Review and Approval feature of ACH Monitor comes standard with the applicable email
notifications included. This allows you to stay informed of relevant payment activities without having to be
actively logged in to ACH Monitor.
All emails are sent to the user(s) assigned to receive them. Not only can the user who initiated the action
receive an email notification, but the ACH Monitor System Administrator and any other users can also be
set up to receive the same notification.
Email notifications are encrypted using secure email encryption software. The first time you receive a
secure email from M&T you will need to register as a new recipient. You only need to register once to be
able to continuously view secure email messages from M&T.
Listed on the following pages are the emails offered with the Fraud Review and Approval service. You may
choose to receive all emails for each service, or select specific emails based on your preferences. If you
wish to make any changes to your ACH Monitor service, including electing to receive or suppress email
notifications, please contact your dedicated Treasury Management Consultant.
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —33—
FRAUD REVIEW AND APPROVAL EMAIL
NOTIFICATIONS
ACH MONITOR FRAUD REVIEW - AUTHORIZED PAYMENT ACCEPTED (E100)
The debit or credit payment presented to the account listed in the email was approved to be paid. See
sample below:
ACH Monitor Fraud Review and Approval USER GUIDE
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ACH MONITOR FRAUD REVIEW - UNAUTHORIZED ACH PAYMENT SUSPENDED (E101)
This email provides notification that a payment presented to the account listed in the email was rejected
because it did not match an authorization record. An authorized user must log into ACH Monitor to review
the payment and decide whether to Pay it or Return it to the originator. If the decision to Pay the item is not
made by 4PM ET the next business day, the payment will default to being returned to the originator. See
sample below:
ACH Monitor Fraud Review and Approval USER GUIDE
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ACH Monitor Fraud Review - Unauthorized ACH Payment Suspended (E102)
The debit or credit payment presented to the account listed in the email was rejected because the
authorization on file matching this transaction was not pre-approved. An authorized user must log into ACH
Monitor to review the payment and decide whether to Pay it or Return it to the originator. If the decision to
pay the item is not made by 4PM ET of the next business day, the payment will default to being returned to
the originator. See sample below:
ACH Monitor Fraud Review and Approval USER GUIDE
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ACH MONITOR FRAUD REVIEW - PAYMENT APPROVED (E201)
The debit or credit payment that previously rejected was Paid against the account listed in the email. See
sample below:
ACH Monitor Fraud Review and Approval USER GUIDE
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ACH Monitor Fraud Review - Payment Returned (E202)
The debit or credit payment that previously rejected was Returned to the originator of the payment. See
sample below:
Smith (Co
ACH Monitor Fraud Review and Approval USER GUIDE
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ACH Monitor Fraud Review - Pending Payment Approved (E203)
The debit or credit payment that was pending a Pay or Return decision was approved to be paid. It will post
to the account listed in the email. See sample below:
ACH Monitor Fraud Review and Approval USER GUIDE
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ACH Monitor Fraud Review - Payment Returned (E204)
No Pay or Return decision was entered for the indicated payment. Therefore, the debit or credit payment
was returned to the originator. See sample below:
ACH Monitor Fraud Review and Approval USER GUIDE
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ACH MONITOR FRAUD REVIEW - PAY OR RETURN DECISION ACCEPTED (E301)
The pending decision to pay or return the payment listed in the email was approved. See sample below:
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —41—
ACH MONITOR FRAUD REVIEW - UNABLE TO PROCESS DECISION (E302)
The pending decision to pay or return the payment listed in the email was declined. See sample below:
ACH Monitor Fraud Review and Approval USER GUIDE
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OPTIONAL SECONDARY VERIFICATION EMAIL
NOTIFICATIONS
Applicable only for customers with secondary verification set up
ACH MONITOR FRAUD REVIEW - PAYMENT SECONDARY APPROVAL REQUEST (E111)
This email notifies any user authorized to be a secondary approver that an initial Pay or Return decision was
made by another user. This decision is now awaiting secondary verification. Details are included in the
email. See sample below:
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —43—
ACH MONITOR FRAUD REVIEW - SECONDARY APPROVAL DECISION ACCEPTED (E112)
This email notifies the user who submitted the request to Pay or Return a payment that the request was
approved. Details are included in the email. See sample below:
ACH Monitor Fraud Review and Approval USER GUIDE
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ACH MONITOR FRAUD REVIEW - SECONDARY APPROVAL DECISION DECLINED (E113)
This email notifies the user who submitted the request to Pay or Return a payment that the request was
declined. Details are included in the email. See sample below:
ACH Monitor Fraud Review and Approval USER GUIDE
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ACH MONITOR FRAUD REVIEW - SECONDARY APPROVAL REQUEST EXPIRED (E114)
This email notifies users that are authorized to be secondary approvers that a request that was pending
secondary verification has expired. This means that the payment has been returned to the originator by
default. See sample below:
ACH Monitor Fraud Review and Approval USER GUIDE
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ACH MONITOR FRAUD REVIEW - AUTHORIZATION RECORD APPROVAL REQUEST (E121)
This email notifies the user authorized to be a secondary approver that a decision was made by another
user to add an authorization record. This decision is now awaiting secondary verification before becoming
active on ACH Monitor. Details are included in the email. See sample below:
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —47—
ACH MONITOR FRAUD REVIEW - AUTHORIZATION RECORD REQUEST APPROVED (E122)
This email notifies the user who submitted the request to add an authorization record that the request was
approved. Details are included in the email. See sample below:
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —48—
ACH MONITOR FRAUD REVIEW - SECONDARY APPROVAL REQUEST DECLINED (E123)
This email notifies the user who submitted the request to add an authorization record that the request was
declined. Details are included in the email. See sample below:
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —49—
ACH MONITOR - FRAUD REVIEW - AUTHORIZATION APPROVAL REQUEST EXPIRED (E124)
This email notifies the user authorized to be a secondary approver that a request awaiting secondary
verification has expired. See sample below:
ACH Monitor Fraud Review and Approval USER GUIDE
Equal Housing Lender ©2019 M&T Bank. Member FDIC. 3/19 —50—
CONTACT US
WE ARE HERE TO ASSIST YOU.
For ACH Monitor and other Treasury Management services, please contact your Treasury Management
Consultant or call M&T’s Commercial Service Team at:
1 (800) 724-2240 MONDAY – FRIDAY 8AM TO 6PM ET