Affirmative provides ACH risk management, compliance, and fraud monitoring solutions for banks and credit unions of all sizes. Our cloud-based platform leverages machine learning and modern analytics to deliver centralized visibility into all ACH activity (outgoing and incoming), automated risk scoring, limit oversight, and audit-ready reporting. Built on the latest technology, Affirmative offers fast, efficient onboarding through a unique direct Fed connection, helping financial institutions meet Nacha requirements with confidence. Stay Compliant, Reduce Losses, and Grow Revenue.

Benefits of being a Nacha Preferred Partner:

Becoming a Nacha Preferred Partner enables Affirmative to collaborate closely with industry stakeholders to support a safer, more resilient ACH Network. The partnership strengthens our ability to educate financial institutions on evolving rules, share best practices for risk-based monitoring, and deliver technology that aligns with Nacha’s regulatory framework. For the industry, this partnership improves fraud detection, compliance, and revenue growth across ACH participants.

How Affirmative helps advance the ACH Network:

Affirmative advances the ACH Network by helping financial institutions implement effective, risk-based oversight aligned with the Nacha Operating Rules and regulatory guidance. Our solutions provide a centralized view of electronic payment activity across both originated and received transactions, enabling banks and credit unions to identify unusual patterns, escalating risk and compliance gaps before they become systemic issues.

By combining behavioral analytics, predictive risk scoring, and configurable dashboards, Affirmative supports consistent monitoring of Originators, Third-Party Senders, and incoming activity. This approach promotes earlier detection of unauthorized or suspicious entries, improved return rate management, and stronger audit documentation.

As the ACH Network evolves and fraud schemes grow more complex, institutions need scalable tools that reduce manual effort while improving decision-making. Affirmative helps standardize risk practices across participants, improve communication between network partners, and reinforce trust in ACH payments. The result is a more resilient, transparent, and well-governed ACH ecosystem that benefits financial institutions, businesses, and consumers alike.

To learn more about Affirmative, visit affirmative.com.