Transform Your FI’s Treasury Department
Stop managing ACH risk in spreadsheets. Affirmative gives treasury, compliance, and risk teams a single system to grow the originator base, stay audit-ready, and scale operations — without adding headcount.
Stop managing ACH risk in spreadsheets. Affirmative gives treasury, compliance, and risk teams a single system to grow the originator base, stay audit-ready, and scale operations — without adding headcount.
Trusted partners
The challenge
$1.5Trillion+ in ACH volume analyzed annually across more than 1 billion transactions
The Affirmative Platform
Keep your institution audit-ready without the manual work. Automated return rate monitoring, board-ready reports, and risk scoring that concentrates review effort on the 1% of originators responsible for 98% of unauthorized ACH activity — so your team isn't spending time on the 99% that don't need it.
Give your treasury team the data to say yes more, and faster. Risk-based originator review cuts review time by 80%+, automated limit recommendations remove the back-and-forth, and a consolidated view of ACH, wire, and RDC activity means your team can manage a larger originator base — without adding headcount.
One system for your treasury, compliance, and risk teams — so they can review smarter, move faster, and scale without the manual overhead.
Examiner-ready records and board-ready reports for every annual, quarterly, and triggered review. No spreadsheets, no scrambling at exam time.
Identify the 1% of originators responsible for 98% of unauthorized ACH activity, up to 60 days before it shows up in your return rate.
A single consolidated view of each originator’s ACH, wire, and RDC activity — with risk scoring that cuts review time by 80%+ and concentrates analyst effort on the accounts that warrant it.
Track credit and debit utilization in real time. Approve over-limit requests for low-risk clients in minutes, not days.
Affirmative connects directly to the Federal Reserve, so there’s no core integration required and no dependency on your existing tech stack.
Most institutions are live in 30 days — half the industry average, without disrupting existing workflows.
"The ATI Originator Risk Rating has greatly streamlined our daily processes by helping us target treasury customers and reduce risk efficiently."
"Our payments team moved from raw data to a system of record with custom reports and dashboards for daily, monthly, and 60-day monitoring. This saved time and helped our analysts focus on what matters."
"ATI has been a true partner to both the bank and our clients. We can pick up the phone at any time and speak to someone we trust for guidance or support."
Affirmative serves community banks and credit unions managing an active — and growing — ACH originator base.
Expand your originator base confidently. Risk-based review means your best clients get faster service while your team focuses attention where it actually matters.
Serve your members better by moving faster. Risk-based originator management means your most trusted business members get higher limits and fewer delays — while your team stays focused on the relationships that need attention.
Devon Marsh from Nacha joins Kim Roberson and Scott Brown to break down both implementation phases, who’s in scope, what monitoring is required, and what institutions approaching the June 22 deadline should do right now to demonstrate compliance.
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