Originator Management
Managing originators is one of the most critical responsibilities for financial institutions. Beyond required NACHA reviews, banks must monitor transaction activity, return rates, limits, and risk exposure, often with manual, inconsistent, and delayed processes.
Affirmative goes beyond “annual reviews” and enables ongoing Originator Management. Our Originator Risk Scoring continuously monitors transaction volumes, return rates, and unauthorized activity, so your teams receive alerts when thresholds are approached or exceeded. Instead of waiting until the next scheduled review, you can take action.
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Periodic Originator Review
From manual burden to streamlined, risk-based oversight.
For most financial institutions, periodic originator reviews are a compliance obligation, not a strategic advantage. Required by NACHA, these reviews often become a time-consuming, box-checking exercise.
Affirmative transforms reviews from a tedious burden into a fast, automated, and risk-based process that gives your teams time back while enabling compliance with Nacha.
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The Challenge Today
Manual Data Gathering
Collecting ACH volumes, return rates, limits, and risk indicators often takes 6–8 hours per originator, requiring staff to pull reports from multiple systems.
One-Size-Fits-All
Most institutions aim to review all originators annually. In reality, competing priorities push reviews back, leading to missed deadlines and audit exposure.
Compliance Pressure
Nacha fines for gaps in review documentation can run as high as $500,000 per month for the most severe cases.
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Automated Data Aggregation
- Originator Review Dashboards eliminate manual data pulls by auto-generating complete reports in minutes.
- Dashboards are automatically distributed to Treasury, Risk, or Relationship teams for immediate review and action.
Risk-Based Review Scheduling
- 80% of low-risk originators: reviewed every 2–3 years
- Top 2% of high-risk originators: reviewed twice per year
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Faster, Smarter Reviews
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Teams spend time making decisions, not gathering spreadsheets.
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Officers and auditors have everything they need in one place - origination trends, return rates, limit usage, and risk scores.
Real-World Impact
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A national FI reduced its per-originator review time from 6–8 hours to just minutes using Affirmative’s dashboards.
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The shift to risk-based scheduling cut total reviews by half, while doubling coverage for high-risk originators.
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Review evidence is stored and ready for auditors, reducing compliance risk.
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Don't Just Take Our Word For It
"It’s honestly been one of the best implementation experiences we’ve had here at the bank. I look forward to a long partnership between ATI and Avidia Bank!"