Fraud on Binance P2P, Canada using etransfers

I am Canadian. I used P2P on Binance to sell crypto (receiving cash by way of etransfers). I was informed I should all the time be sure that the identify on Binance KYC matches the one from the bank for each etransfer. I checked completely for every transaction, and solely accepted people who matched. All transactions went nice. Nevertheless, after one week, one etransfer has been reported to my bank as fraud, and my financial institution froze my account. I requested Binance to offer me all details so I can explain the state of affairs to my bank.

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I went to the bank as we speak, and it appears multiple etransfers have been flagged as fraud. They informed me the etransfers have been created from accounts that didn't have funds, and that the money might be immediately substracted from my account, and that I am accountable. They defined it's something like a bounced verify.

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1. I am stunned that is potential. I assumed etransfers have been like money, and as quickly as the money is in my account, then it is mine. I understand transfers could possibly be marked as fraud (rightly or wrongly), however the etransfer having no funds like a bounced verify? Is that basically potential or my bank is telling me no matter?
2. I actually consider I did my due diligence by checking that funds were not made by third parties, and by offering all proofs to my financial institution that the transaction is legit. I am clearly biased, as I don't need to lose hundreds of dollars. Am I fallacious? Have I not achieved my due diligence? If not, what should I have carried out?
3. Do you consider I can do anything to increase the probabilities the transactions don't get reversed?

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It represents a big sum of cash for me, and I am actually frightened. My bank is RBC if that modifications anything.

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Thank you on your time.