Cyber thieves on Thursday began blasting out millions of e-mails impersonating NACHA – The Electronic Payments Association, a not-for-profit group that develops operating rules for organizations that handle electronic payments, from payroll direct deposits to online bill pay services. The missives in this latest scam arrive with various subject lines, but all complain about an unauthorized, rejected or failed ACH transaction. Most regular Internet users probably will ignore this message, as few people probably even know what ACH stands for (ACH, or “automated clearing house” refers to the electronic network used by banks to process credit and debit transactions in batches). That’s likely just fine with the attackers, who appear to be targeting bookkeepers at small to mid-sized companies — people who actually recognize what a failed or rejected ACH transaction can mean for their business’s bottom line and reputation. According to an alert at the real NACHA Web
