Finovifi Launches ACH RiskLens to Support Nacha’s 2026 ACH Fraud Monitoring Requirements

New solution delivers explainable, risk-based ACH monitoring and scoring to help financial institutions identify anomalous activity, support review, and strengthen audit readiness.

BIRMINGHAM, Ala. —January 22, 2026 — Finovifi, a provider of core banking technology, fraud prevention, and compliance solutions for community and regional financial institutions, today announced the launch of ACH RiskLens, a new ACH fraud monitoring solution designed to support Nacha’s 2026 ACH risk-based monitoring requirements.

ACH RiskLens provides financial institutions with clear, explainable insight into ACH risk by evaluating ACH transactions using transaction context, standardized ACH metadata, and historical account behavior. The solution produces a numeric risk score and risk tier for each transaction, helping banks identify anomalous activity and support informed human review—without blocking transactions or interfering with ACH processing.

“The intent behind Nacha’s 2026 changes is clear: institutions must be able to demonstrate reasonable, risk-based monitoring that can be explained and documented,” said Terry Ray, Chief Technology Officer at Finovifi. “ACH RiskLens was engineered to score and surface ACH risk using consistent logic, historical behavior, and transaction context—without inserting itself into the transaction flow or disrupting how banks process ACH today.”

Built for Risk-Based Monitoring, Not Transaction Blocking

Under Nacha’s 2026 rule changes, covered institutions are required to implement risk-based processes and procedures to identify unauthorized ACH entries and transactions initiated under false pretenses. The rules do not mandate real-time interdiction or transaction blocking.

ACH RiskLens aligns with this framework by providing:

• Risk-based scoring of ACH transactions using up to 90 days of historical behavior
• Detection of out-of-pattern amounts, frequency, velocity, and burst activity
• Identification of first-time or newly changed originators, SEC codes, and counterparties
• Use of standardized ACH metadata to support risk analysis and compliance visibility
• Explainable risk reasoning and supporting evidence for audit and examination review

ACH RiskLens is informational only and does not sit in the transaction path, allowing institutions to maintain existing ACH workflows while strengthening monitoring and documentation.

Designed for Review, Documentation, and Audit Readiness

ACH RiskLens supports operational and compliance teams with:

• Configurable risk thresholds adjustable by the institution
• Consolidated views of high-risk ACH transactions for review
• Feedback and tracking mechanisms to support investigations
• Standard and custom ACH fraud reports
• Logged and retained inputs, outputs, and scoring decisions

Monitoring logic is applied consistently across ACH files through daily automated scoring, supporting a documented, repeatable process aligned with regulatory expectations.

“As ACH volumes and dollar values continue to grow, financial institutions face increasing pressure to demonstrate effective fraud monitoring and documentation,” said David Brasfield, Chief Executive Officer at Finovifi. “ACH RiskLens helps banks meet those expectations with transparency and consistency—delivering clear risk visibility, explainable results, and audit-ready reporting without introducing operational disruption.”

About Finovifi

Finovifi empowers community banks and credit unions with modern core technology, real-time fraud prevention, compliance automation, and a curated Marketplace of fintech solutions designed to help institutions compete, grow, and protect their customers. Backed by sixty years of service-first banking technology leadership, Finovifi delivers practical, AI-powered tools that make community institutions stronger every day. Learn more at www.finovifi.com.

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