If you work in banking, you already know the drill: regulations get tougher, fraud risk grows, and compliance work never seems to end. For many institutions, managing payments data and risk feels like playing catch-up— Every. Single. Day.
But does it have to be that way? We don't think so and are on a mission to prove it. Our clients want to take control of their ACH and Payments oversight, reduce manual work, and grow their payments and treasury services business without growing their headaches.
Any solution won't do; here’s what makes Affirmative the go-to partner for smarter, simpler risk management and payments data analytics.
ACH compliance involves a long list of requirements: return rate monitoring, originator tracking (including those nested under third-party processors), SEC code analysis, and real-time reporting for auditors and regulators. And traditionally, most of this has been handled with legacy systems, core providers holding your data hostage, Excel spreadsheets, and internal teams that deserve better.
You have the power to change that with Affirmative. We enable and automate everything from pulling your transaction data (even directly from the FED) to generating clear, audit-ready reports. That means less time chasing data and more time focusing on strategy.
One of the biggest challenges we heard our partners talking about was knowing which originators pose the greatest risk, and how to drive growth and revenue through that risk. To solve this, our predictive risk tools, including ATI Risk Navigator™ and Unauthorized Scoring™, use actual transaction data and community data to calculate the likelihood of unauthorized activity.
What does that mean in practice?
You know which accounts deserve extra attention, and which don’t.
You can safely expand your business without overloading your team.
You reduce exposure while improving client service.
In one case, a mid-sized bank scaled its originator portfolio by 10x without adding headcount, simply by enabling the Originator Risk Score and review.
Banks don’t just need better tools. They need tools that grow with them.
Whether you’re onboarding new clients, expanding your Treasury Services offerings, or preparing for Nacha’s 2026 rule changes, Affirmative is ready. We give your team visibility into every part of the payments ecosystem, so you can act fast, make data-driven decisions, and stay ahead of regulatory changes before they hit.
We’ve walked in your shoes, and we know that adding new software can be stressful, extremely time-consuming, and make you question whether it was worth signing the contract.
Our onboarding team includes former banking and payments professionals who understand the complexity behind core systems, Fed data, and compliance workflows. We don’t just hand you software, we guide you through every step, with U.S.-based support and no hidden fees.
Most clients are up and running in under 30 days. That’s faster time-to-value, and way less stress.
80% reduction in manual ACH workload
Clear, automated alerts for high-risk activity
Full team adoption and stronger regulator confidence
ROI ranging from $300K to over $1M annually
Whether you’re a regional bank trying to modernize your compliance tools or a growing institution looking to scale without breaking your risk team, Affirmative is here to help.
Let’s talk about how we can support your growth while keeping compliance simple.