What is ACH Risk and Why Does it Matter?
What is ACH Risk Management?
ACH risk management is how Treasury teams track, control, and reduce risk in ACH transactions. It’s essential for staying compliant, protecting revenue, and maintaining customer confidence. Over $300B moves through the ACH network daily. With that volume comes risk— audit findings, errors, and compliance failures that can cost your institution money and trust.
Top Risks
- Fraud & Unauthorized Returns:
- Fake debits and account takeovers
- Operational Roadblocks:
- Mis-keyed info, legacy systems, lack of visibility from Core data
- Compliance Gaps:
- NACHA or OFAC violations
Strong Programs Include
✓ Transaction limits
✓ Dual controls
✓ Real-time alerts
✓ Daily reconciliation
✓ Originator risk ratings
✓ Staff training
✓ Automated, audit-ready reporting
Best Practices
Automate approvals & tracking
Review limits & return rates
often
Educate clients
on ACH
red flags
Escalate
anomalies
quickly
Bottom Line
ACH risk management isn’t optional. It protects your bottom line and reputation while keeping regulators, the Financial Institution’s board, and teams happy.
Want to see how automation makes it easier?