ORLANDO, Fla. — Mix one part encouraging news with one part truly worrisome news and there are the bookend messages from two panels during the closing morning of NACHA’s Payments 2014 conference Wednesday at the Orlando World Center Marriott.

First, the optimistic news. The $6 billion Citizens Business Bank in Ontario, Calif. has suffered not a dime in ACH fraud losses since it implemented sophisticated fraud prevention tools from Guardian Analytics in 2012, said Assistant Vice President Robert Piccini.

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