Explain how Confirmation of Payee name-matching reduces misdirected and fraudulent payments.
Finance & Banking
Authorised Push Payment Fraud and Payee Verification Controls
Prepares payments and fraud teams to implement Confirmation of Payee checks, detect authorised push payment scams in real time, and manage reimbursement claims under current payment scheme rules.
🗓️Duration5 training days
📚Content4 modules · 8 sessions
🎓On completionAccredited attendance certificate
About the programme
Course Overview
Authorised push payment fraud is unusual among financial crime problems because the victim types in the sort code, enters the amount and confirms the payment themselves, often while a scammer is coaching them through the process by phone. Confirmation of Payee name-matching, in-flow warnings and outbound transaction monitoring all have to work in the seconds between a customer initiating a payment and the funds leaving the account, and none of them can rely on the customer noticing that something is wrong. This course covers how payee verification checks are built and tuned, how romance, invoice, mandate and safe account scams present in payment behaviour, and how sending and receiving banks now share responsibility for reimbursing victims under current payment scheme rules. Participants design friction and warning messages that interrupt a scam without blocking genuine payments, review real payment journeys for missed intervention points, and work through reimbursement decisions where customer care and fraud loss allocation both have to be justified.
Expected Learning Outcomes
Recognise romance, invoice, mandate and safe account scam patterns in payment behaviour.
Design in-flow warnings and friction points that interrupt scams without deterring genuine payments.
Apply current payment scheme reimbursement rules to allocate loss between sending and receiving banks.
Assess outbound transaction monitoring rules for coverage against emerging scam typologies.
Evaluate receiving bank obligations for accounts used to receive fraudulent push payments.
Handle customer reimbursement claims with documentation that supports a consistent, defensible decision.
Who Should Attend
Payments fraud analysts monitoring outbound and inbound faster payments.
Retail and business banking staff handling fraud claims and reimbursement decisions.
Product owners responsible for Confirmation of Payee and payment warning journeys.
Financial crime compliance officers overseeing payment scam controls.
Customer service teams supporting scam victims through the claims process.
Payment scheme and fraud risk managers setting liability and reimbursement policy.
Course Modules
Select any module to see its sessions and points.
01Understanding Authorised Push Payment Scam Typologies
2 sessions · 8 points
Session 1How Authorised Push Payment Scams Work
- Distinguish authorised push payment fraud from unauthorised fraud and card-based fraud typologies.
- Map the stages of a scam from initial contact through to the customer authorising a payment.
- Identify the social engineering techniques scammers use to coach victims through bank warnings.
- Assess why authorised payment scams resist detection methods built for unauthorised transactions.
Session 2Romance, Invoice, Mandate and Safe Account Scams
- Recognise romance scam payment patterns, including staged amounts and relationship-building periods.
- Identify invoice and mandate fraud indicators in business and property transaction payments.
- Detect safe account scams where victims are told to move funds to protect them from fraud.
- Compare scam typologies by victim profile, payment size and time pressure applied.
02Payee Verification and In-Flow Intervention
2 sessions · 8 points
Session 1Confirmation of Payee and Name-Matching Controls
- Explain how Confirmation of Payee matches payee name against account and sort code details.
- Assess close match and no match responses and how customers are guided to act on them.
- Identify gaps in payee verification for business accounts, trusts and newly opened accounts.
- Evaluate the limits of name-matching against scams that use the fraudster's own genuine account.
Session 2Designing Warnings and Transaction Friction
- Design in-flow warning messages tailored to specific scam typologies and payment contexts.
- Calibrate friction such as delays or step-up verification against genuine payment inconvenience.
- Apply risk-based rules to decide which payments trigger enhanced warnings or holds.
- Test warning effectiveness using post-implementation customer behaviour data.
03Detection, Monitoring and Receiving Bank Controls
2 sessions · 8 points
Session 1Outbound Transaction Monitoring for Scam Indicators
- Build outbound monitoring rules that flag payment patterns consistent with known scam typologies.
- Assess velocity, new payee and account behaviour changes as scam risk indicators.
- Coordinate real-time intervention between fraud teams and frontline or contact centre staff.
- Review false positive and false negative rates to keep monitoring rules effective and proportionate.
Session 2Receiving Bank Obligations and Money Mule Accounts
- Assess receiving bank obligations to identify and act on accounts receiving fraudulent funds.
- Identify money mule account indicators in receipt and onward transfer patterns.
- Coordinate fund recovery attempts between sending and receiving banks within scheme timeframes.
- Apply account restriction and exit decisions where mule account activity is confirmed.
04Liability, Reimbursement and Governance
2 sessions · 8 points
Session 1Applying Reimbursement Rules and Liability Splits
- Apply current payment scheme reimbursement rules to determine sending and receiving bank liability.
- Assess customer vigilance and gross negligence exceptions within reimbursement decision frameworks.
- Calculate reimbursement outcomes consistently across comparable scam cases.
- Document reimbursement decisions with evidence that supports internal and scheme-level challenge.
Session 2Scam Intelligence Sharing and Programme Oversight
- Report scam volumes, losses and reimbursement outcomes to senior management and relevant committees.
- Feed confirmed scam cases back into monitoring rule and warning message improvement cycles.
- Coordinate with law enforcement and industry data-sharing initiatives on emerging scam patterns.
- Assign oversight roles across product, fraud, compliance and customer service functions for the scam programme.
What the participant receives
4 course modules
A structured syllabus
8 training sessions
across 5 days
32 detailed points
Applied, detailed content
Accredited attendance certificate
On completing the programme
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