Stay Compliant

Audit-ready from day one. Ahead of risk every day after.

The ACH, wire, and RDC data your institution already generates is telling a story about your originator program. Affirmative turns it into clear, examiner-ready reporting — so your team stays ahead of requirements without building another spreadsheet.

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Nacha Preferred Partner
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Stay Compliant — Nacha compliance dashboard
Platform capabilities

Everything your team needs to stay ahead of Nacha requirements — today and as they evolve

Affirmative centralizes your ACH, wire, and RDC reporting, automates your Nacha monitoring dashboards, and builds an auditable record of every originator review — so you’re always ready for an exam, and never scrambling before one. The platform is built to keep your institution covered for current Nacha requirements and positioned to meet future rule changes without rebuilding your compliance program from scratch.

Return rate monitoring

Know your exposure before the examiner does

Affirmative tracks all three Nacha return rate thresholds in real time — overall (15%), administrative (3%), and unauthorized (0.5%) — across every originator in your program. When rates trend upward, you see it well before it becomes a problem.

  • Monitors all three Nacha return rate categories across your entire originator portfolio, continuously
  • Alerts when an originator’s rate is trending toward a Nacha threshold — before a violation occurs
  • Board and examiner-ready reports generated automatically — shareable directly with your board or examiners
3.0% 2.0% 1.0% 0.5% 0.0% Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Nacha Overall Admin Unauthorized
SEC Codes
PPD 38%
CCD 28%
WEB 18%
TEL 10%
CTX 6%
SEC code monitoring

Make sure every originator stays in their lane

Each originator in your program is approved for specific Standard Entry Class (SEC) codes — and Nacha requires that they stay within them. Affirmative tracks actual transaction usage against each originator’s authorized codes and flags any deviation before it becomes a violation.

  • Continuously compares each originator’s actual transaction codes against their Nacha-authorized SEC code list
  • Flags unauthorized SEC code usage immediately — before it becomes a Nacha violation
  • Maintains an auditable record of each originator’s approved transaction channels — ready to share with examiners
Originator review documentation

Every review documented. Every decision defensible.

Nacha requires institutions to conduct annual originator reviews — and examiners expect a documented trail. Affirmative automatically captures a complete record of every review: who conducted it, what ACH, wire, and RDC data was examined, and what decision was made. So when an examiner asks, everything is already there.

  • Supports annual, quarterly, and triggered Nacha originator reviews with an examiner-ready documented record
  • Every review decision is captured automatically — no separate spreadsheets or manual recordkeeping
  • Risk-based review frequency concentrates effort on the 1% that actually need it — cutting review time by 80%+
# Eff. Date Originator SEC Debit Amt Credit Amt Total
111/04/2024Aliquam AuctorWEB$84,312$72,18978
211/08/2024VestibulumPPD$31,750$28,44040
311/13/2024Amet PharetraCCD$148,921$131,600108
411/19/2024Payment TechPOS$212,470$198,330150
511/22/2024First PaymentsWEB$57,891$49,21559
611/27/2024Brian LiberoPPD$103,640$94,88192
712/03/2024FinPay SolutionsCCD$186,550$172,900134
812/09/2024Lorem Ipsum CoWEB$43,170$38,64047
Originator risk portfolio 5 FLAGGED · UP TO 60 DAYS EARLY Low-risk originators Trending toward Nacha threshold — flagged early
Predictive risk detection

See fraud risk coming — up to 60 days ahead

Affirmative’s analytics identify the originators most likely to breach Nacha thresholds — not after a return comes back, but weeks before it does. That early window is what separates institutions that manage risk from ones that react to it.

  • Identifies the 1% of originators responsible for 98% of unauthorized ACH activity — up to 60 days in advance
  • Flags elevated risk before it surfaces as a Nacha return rate breach or examiner finding
  • Helps institutions mitigate fraud risk across their electronic payment program without monitoring every originator manually
By the numbers

Compliance that’s measurable

Financial institutions that implement Affirmative’s capabilities see meaningful reductions in manual work — and walk into every audit with confidence.

1%
Of originators responsible for 98% of unauthorized ACH activity — Affirmative identifies them up to 60 days in advance
60 days
Advance warning on fraud risk, giving institutions time to act before a Nacha threshold is breached
80%+
Reduction in time spent per originator review after implementing the platform
$1T+
In electronic payment transactions analyzed by Affirmative annually — over one billion transactions
Get Audit Ready

Ready to walk into your next audit with confidence?

See how Affirmative centralizes your compliance program, automates your reporting, and keeps your team ahead of Nacha requirements.

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