Oscilar delivers unified AI Risk Decisioning™ for ACH payments—providing real-time fraud detection across scams, account takeover, synthetic identities, BEC attacks, first-party fraud, and mule networks, while automating account validation and AML compliance.

• Real-time, AI-powered fraud detection: Delivering results in under 100ms, supported by workflows that adapt to each user’s risk profile.
• No-to-low-code deployment: Analysts create and adjust rules in plain English, reducing the time to market for new fraud policies and workflows.
• Proven ROI with leading FIs: Driving 20%+ increases in end-user approvals while reducing fraud by 35%+ and operational costs by 30+%.
• Trusted scale: 30+ billion annual decisions across supported FIs globally.

Benefits of being a Nacha Preferred Partner:

As a Nacha Preferred Partner, Oscilar helps financial institutions of every size with maintaining and enhancing the integrity of the ACH Network.

With its AI Risk Decisioning™ platform, Oscilar enables proactive, risk-based fraud detection and compliance automation that align with the Nacha Operating Rules, helping empower ODFIs, RDFIs, processors, and third-party providers to detect, document, and mitigate ACH fraud in real time.

The partnership with Nacha reinforces Oscilar’s commitment to helping the payments industry stay ahead of emerging threats and evolving compliance expectations. By combining adaptive AI, unified risk intelligence, and no-code configurability, Oscilar helps reduce false positives and accelerates innovation from months to weeks.

Oscilar is helping ensure that modern ACH operations remain both compliant and resilient, so innovation and security move forward together.

How Oscilar helps advance the ACH Network:

Oscilar advances the ACH Network with an AI-native risk decisioning platform that further optimizes the speed, safety, and reliability of ACH payments for financial institutions, fintechs, and payment processors. Oscilar unifies fraud detection, compliance monitoring, behavioral intelligence, and operational review into a single, real-time decision engine that strengthens the ACH Network across onboarding, account monitoring, and payment initiation.

The solution brings a modern, adaptive approach to ACH fraud prevention by combining rules-based controls with advanced machine learning—including gradient-boosted models, deep learning, and transformer architectures—tuned for key ACH typologies such as authorized push payment scams, account takeover, and ACH kiting for ODFIs and RDFIs. Oscilar’s tamper-resistant “Digital DNA” device and behavioral intelligence add critical context to distinguish legitimate users from bots, emulators, and coordinated fraud networks.

With AI-powered workflows, FIs can describe their workflow and rules logic in natural language and watch them come to life, enabling them to create, edit, and back-test new rules and risk strategies quickly in response to rule changes and emerging threats. For analysts, Oscilar provides transparent and explainable results with integrated AI-assisted case management to keep operations—and customers—moving.

By reducing fraud losses, improving decision accuracy, accelerating analyst workflows, and enabling continuous adaptation, Oscilar materially helps strengthen the resiliency and integrity of the ACH Network—allowing participants to confidently expand ACH usage with modern, AI-driven protection.

To learn more about Oscilar, visit oscilar.com.