Vendor Bank Change Verification Checklist.
A practical checklist for verifying vendor bank-account changes before ACH, wire, or invoice payments go out. Use this as a practical pre-payment checkpoint, then turn the process into a reusable workflow with the BEC Defense Pack.
Run these steps before approval.
Pause the payment change
Make the decision visible and documented before payment leaves the business.
Call a known number already on file
Make the decision visible and documented before payment leaves the business.
Ask who requested and approved the change
Make the decision visible and documented before payment leaves the business.
Confirm through a second internal approver
Make the decision visible and documented before payment leaves the business.
Document the decision before releasing payment
Make the decision visible and documented before payment leaves the business.
Escalate immediately if any of these are true.
- Money has already moved to a new or suspicious account.
- A mailbox has unknown forwarding rules, filters, OAuth grants, or unusual logins.
- The request touches client funds, regulated data, payroll, trust accounts, taxes, or legal deadlines.
- Two internal approvers disagree or cannot verify the requester off-thread.
Keep moving through the cluster.
Get the free payment-change verification checklist.
Send it to the person who approves invoices, ACH, wires, or vendor bank changes.
Want the workflow instead of another article?
Get the Business Email Compromise Defense Pack, request a free teardown, or download the checklist and capture the process for your team.