Fraud in the ACH network is evolving, and traditional monitoring forces treasury teams to choose between security and efficiency.

Pre-processing monitoring involves screening every outgoing payment run before release. While this can be an effective piece, it doesn't cover everything. 

• Delays: A single flagged payment can stall an entire file.

• Staff bottlenecks: If fraud teams are not available in real-time, legitimate transactions remain unresolved.

• Customer friction: False positives block valid payments and erode trust. 

Pre-processing monitoring often means slowing down operations for the sake of a few exceptions.  It’s time to move beyond reactive monitoring to a predictive defense that keeps payments moving and fraud in check.

• Predicts ACH fraud up to 60 days in advance by analyzing 100+ parameters across billions of transactions.

• Pinpoints the riskiest 2% of originators—responsible for nearly 90% of fraud losses.

• Empowers preventive action (prefunding, reserves, enhanced reviews) before fraud occurs.

With ATI’s predictive analytics, financial institutions shift from reacting to fraud to having the tools to stop it before it starts.

• Forecasts fraud up to 60 days ahead, spotting transactions and entities most likely to generate unauthorized returns.

• Learns from billions of ACH payments with machine learning models that detect anomalies invisible to manual review.

• Covers both entity and transaction levels, flagging risky originators while scanning daily transactions for outliers.

This dual-layer approach enables fraud prevention before it occurs, without slowing down legitimate payment flows.

With Affirmative’s Originator Risk Score and Analytics-powered Transaction Scoring, financial institutions gain:

• Proactive oversight of the riskiest originators before fraud occurs.

• Predictive foresight up to 60 days out, paired with anomaly detection.

• A balanced defense strategy that protects security, maintains efficiency, and preserves customer trust.

While every institution must react to fraud, Affirmative adds the missing piece—proactive prevention. Together, these layers create a defense strategy that lets treasury teams fight fraud with confidence.