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Affirmative’s Fraud Capability Overview

As regulatory expectations rise, reactive fraud monitoring is no longer enough. This whitepaper outlines how Affirmative’s machine learning and predictive analytics help financial institutions identify fraud risk up to 60 days ahead, aligned with Nacha’s 2026 rule changes.

  • Why reactive fraud monitoring leaves institutions exposed under Nacha’s 2026 rules
  • How predictive analytics identify the 1% of originators driving 98% of unauthorized activity
  • How Affirmative’s approach aligns with FFIEC (Federal Financial Institutions Examination Council) and OCC (Office of the Comptroller of the Currency) guidance
  • What 60-day advance warning on fraud risk looks like in practice

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Whitepaper: Affirmative's Fraud Capability Overview
What's inside
Predictive over reactive
How machine learning detects fraud risk signals weeks before a return rate spike — giving your team time to act rather than just respond.
Regulatory alignment
How Affirmative’s fraud capabilities map to Nacha’s 2026 fraud monitoring requirements, FFIEC guidance, and OCC expectations for managing ACH risk.
Practical fraud mitigation
What institutions do with early fraud risk signals — and how the platform supports the documentation and workflow needed to satisfy examiners.

Ready to identify fraud risk before it becomes a problem?

Talk to our team and find out how the Affirmative Platform uses predictive analytics to help financial institutions mitigate fraud risk up to 60 days in advance.

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