Grow Revenue

Say yes to more business, faster

The ACH and payments data you’re already tracking holds the key to growing your originator base. Affirmative turns that data into clear, actionable insight — so your treasury team can expand confidently without adding risk or headcount.

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Live in 30 days
Affirmative Platform — Grow Revenue dashboard Originator Risk Dashboard Originator overview 497 active originators monitored High Medium Low ORIGINATOR RISK SCORE RETURN RATE TREND STATUS Meridian Foods Group ID: 4408 · Payroll 87 2.41% Review now Atlas Staffing Solutions ID: 3912 · CCD 56 1.18% Monitor Clearwater Benefits LLC ID: 2771 · PPD 21 0.29% On track Blue Ridge Dental Group ID: 5103 · CCD 15 0.11% On track Showing 4 of 497 originators ! Risk intelligence update 5 originators flagged for proactive review — 47 days before return threshold
Platform capabilities

Everything your treasury team needs to grow the originator base

Affirmative gives your team a connected set of capabilities: identify which originators need attention, review them efficiently, set the right limits, and manage them ongoing. All from a single platform, with no spreadsheets required.

Originator risk scoring

Know which originators to focus on — and which ones to fast-track

On average, 1% of an FI’s originators are responsible for 98% of unauthorized ACH activity. Affirmative’s risk scoring identifies that 1% up to 60 days in advance, so the other 99% get faster service, better limits, and fewer friction points.

  • Flags high-risk originators before they become a problem, not after
  • Low-risk clients get faster funds availability, higher limits, and a better overall experience
  • Risk scores draw on ACH return rates, SEC code behavior, volume trends, and limit utilization
Low Medium High Score: 72
ACH Wire RDC Volume overview Wk 1 Wk 2 Wk 3 Wk 4 Wk 5 Wk 6 Total items Previous Trend over time 600 400 200 0 Wk 1 Wk 2 Wk 3 Wk 4 Wk 5 Wk 6 Current period Previous period Summary at a glance Total items reviewed 18,450 ↑ 8% vs prior period Exception rate 0.68% ↓ 0.12 pp vs prior period Complete review
Originator review

Everything you need to make a sound decision, in one place

ACH, wire, and RDC activity consolidated into a single view. No switching between systems, no manual data pulls.

  • Supports decisions on continued channel access, limit changes, hold periods, and prefunding
  • Every review decision is captured automatically — no separate spreadsheets or manual recordkeeping
  • Review frequency driven by risk rating, not an arbitrary calendar cycle
Limit assignment

Limits calibrated to each originator’s risk and growth potential

Automated recommendations combine prior utilization and risk rating to right-size limits for every originator. Low-risk clients get the headroom to grow; high-risk originators get limits consistent with your governance standards.

  • No manual subjectivity — recommendations are driven by actual utilization and risk score
  • Low-risk, high-growth clients get limits that support their liquidity and expansion
  • Included at no added cost; every recommendation and approval is documented
$25K $20K $13K $5K $0 Oct 21 Jul 22 Apr 23 Jan 24 Oct 24 Jan 25 $13K Threshold
#DateProcessorOriginatorCompany ID Over DebitOver Credit
110/07/24NorthwestPAYMENT TECH4A8B21NoNo
210/14/24QuickPayAMET PHARETRA9C3F67NoNo
310/21/24TransActVESTIBULUM7E1D94YesNo
410/28/24NorthwestALIQUAM AUCTOR2B5A03NoNo
511/04/24QuickPayFIRST PAYMENTS6D0C88NoNo
611/11/24TransActBRIAN LIBERO3F7B52YesYes
711/18/24NorthwestPAYMENT TECH4A8B21NoNo
Over-limit approvals

Don’t make your best clients wait days or weeks

When a low-risk originator needs temporary overlimit authority, approve it quickly. Whether it’s faster funds availability or a faster decision on a higher transaction amount, real-time utilization tracking and early alerts mean you’re never caught off guard.

  • Approve temporary overlimit authority quickly, with full visibility into utilization and risk
  • Real-time credit and debit utilization tracking across every originator
  • Early alerts when originators are approaching their limits
By the numbers

The results speak for themselves

Financial institutions that use Affirmative to manage their ACH originator program see measurable gains in efficiency, revenue, and capacity for growth.

80%+
Reduction in time spent per originator review after implementing the platform
~90%
Less analyst labor when using risk-based review frequency vs. blanket annual reviews
60 days
Advance warning on fraud risk, giving institutions time to act before thresholds are hit
30 days
To go live via direct FED connection — no core integration required
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Ready to grow your originator base with confidence?

See how Affirmative gives your treasury team the data to say yes, faster — and scale revenue without adding headcount.

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