Regulatory Compliance
Banks and credit unions face constant pressure to grow treasury services revenue while maintaining strict compliance with Nacha, OCC, FFIEC, and other regulators.
Compliance isn’t optional. Financial institutions are required to track origination and return activity, monitor for excessive unauthorized rates, and manage originator risk.
The challenge? Manual, spreadsheet-driven monitoring is slow, costly, and prone to errors, often leaving institutions scrambling before audits.
The Compliance Challenge Today
Fragmented Data
ACH and Payments transactions and return information often live across multiple systems, forcing teams to spend hours untangling and compiling records.
Return Rate Oversight
Financial institutions must monitor unauthorized returns, administrative returns, and overall return rates to stay within Nacha and regulatory thresholds.
Originator Risk
Identifying high-risk originators and third-party senders requires aggregating volumes, returns, and limits to manage risk effectively. A process that is rarely automated.
Audit Anxiety
Without centralized reporting, compliance, and treasury teams spend weeks, sometimes months, preparing for audits. As a result, teams often lack confidence in their own data.
How Affirmative Helps
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Centralized Data & Reporting
Affirmative aggregates ACH origination and return activity into a single, unified view, regardless of whether the data originates from the Fed or your core provider.
Dashboard Highlights:
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Unlock visibility into credit and debit volumes, SEC code usage, return metrics, and even nested third-party processors.
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Reduce data prep time from days to hours by replacing fragmented spreadsheets with centralized reporting and analytics.
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Strengthen compliance readiness with accurate, audit-friendly reporting at your fingertips.
Fast, Frictionless Onboarding
Unlike in-house builds or core add-ons, Affirmative is core-agnostic and often bypasses core complexity by connecting directly to the Federal Reserve. This allows us to streamline implementation and start ingesting live ACH data almost immediately.
The result? Most customers are typically onboarded and running dashboards in 30 days or less, without heavy IT lift or custom development
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Automated Compliance Monitoring
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Return Rate Dashboards: Ensure compliance with Nacha thresholds for unauthorized, administrative, and overall return rates.
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Originator Risk Scoring: Behavior, volume, and history are auto-scored, making risk-based reviews straightforward.
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Alerts & Velocity Checks: Get notified before thresholds are breached. Give your team the power to be proactive.
Audit-Ready Documentation
- Visual Logs & Reports: Dashboards double as permanent evidence for auditors, ensuring traceability and transparency.
- Proven Results: Institutions using Affirmative have achieved 50%+ reduction in audit prep time, with zero ACH-related findings.
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Going Beyond Nacha 2026
While Nacha’s 2026 rule updates will tighten compliance even further, financial institutions already face tough requirements today:
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Ongoing monitoring for unauthorized return rates
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Management of credit/debit exposure limits
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Oversight of third-party senders and nested originators
Affirmative helps you move from reactive, annual reviews to continuous compliance—reducing risk, saving time, and giving your team confidence before regulators ever walk in the door.
Don't Just Take Our Word For It
"Affirmative Technologies has been an outstanding partner in helping QuickFee maintain NACHA compliance during ACH processing. Their ACH Risk Manager product not only provides robust risk analysis and validation tools, but also generates detailed reports that help us quickly identify potential issues."