| Day | Creditor Bank | Clearing / CSM | Debtor Bank |
|---|---|---|---|
| D‑2 | Receives pain.008 ; often pre‑credits creditor’s account. | ‑ | ‑ |
| D‑1 | Forwards file. | CSM distributes collection. | Must hold validated mandate. |
| D (settlement) | Pre‑credit funded if DB accepts. | Settlement final. | Posts debit; no refund right post‑D. |
| Layer | Red Flag | Why It Matters |
|---|---|---|
| Creditor Bank | Single debtor ≥ 90 % of file value | Normal corporates batch many payers. |
| Mandate Data | CID owner ≠ creditor legal name | Likely stolen identifier. |
| Account Activity | Instant SCT within 30 min of pre‑credit | Classic float exit pattern. |
| Debtor Bank | No mandate record for B2B debit | Must reject (MD06). |
B2B direct debit fraud is low-volume but high-impact. If you’re a financial institution running SEPA rails, you need to assume that stolen identifiers and synthetic float will be exploited unless your controls are proactive—not reactive.
This article is for informational purposes only. It does not constitute legal, risk management, or cyber-security advice. Institutions should conduct their own internal reviews and regulatory consultations before implementing control changes.
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All mandates start with an RFQ. We review submissions, issue a brief Go/No-Go memo, and where bankable, release a Term Sheet that leads to funding. We arrange capital across Senior Secured, Unitranche, Second Lien/Mezzanine, Preferred Equity, and Gap Solutions. We do not process deals by email or chat.
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Financely Inc. (“Financely”) provides corporate-finance advice and is wholly owned by Aurora Bay Trust, a trust formed under Bahamian law, together with its authorized affiliates. Depending on deal structure, jurisdiction, and local rules, engagement may be carried out through Financely Group LLC, a non-deposit-taking non-banking financial company; Ashford Capital Advisory LLC; or another related entity. Financely and its affiliates are not registered as securities broker-dealers. When a mandate involves the purchase or sale of securities and a registered intermediary is required, all orders are introduced to and executed by a U.S. broker-dealer registered with the SEC and FINRA, acting as “chaperone” under SEC Rule 15a-6 (17 C.F.R. § 240.15a-6). Nothing here constitutes an offer, solicitation, or recommendation to buy or sell any security. Before proceeding, read our Terms of Service to confirm that engaging Financely Group LLC, Ashford Capital Advisory LLC, or any affiliate aligns with your legal and regulatory requirements.In the United States, we operate as an
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