ACH RiskLens

Risk-Based ACH Fraud Monitoring Built for Nacha’s 2026 Requirements

ACH fraud risk is evolving—and so are regulatory expectations. Under Nacha’s 2026 ACH risk-based monitoring requirements, financial institutions must implement processes to identify anomalous and potentially fraudulent ACH activity. ACH RiskLens delivers explainable, repeatable ACH risk scoring and monitoring—without disrupting transaction processing or inserting friction into ACH workflows.

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What Is ACH RiskLens?

An ACH fraud monitoring solution that evaluates transactions using context,
standardized metadata, and historical behavior to produce clear, actionable risk insight.

SVG

Clear, Actionable Risk Insight.

ACH RiskLens is an ACH fraud monitoring solution that evaluates ACH transactions using transaction context, standardized ACH metadata, and historical account behavior to produce clear, actionable risk insight.

SVG (1)

Informational, Not Transactional

ACH RiskLens is informational, not transactional. It does not block payments or sit between ACH systems and the core. Instead, it provides visibility, documentation, and reporting to support suspect review and meet examiner expectations.

Built for Nacha's 2026 Requirements

ACH RiskLens supports regulatory expectations including:

SVG (6) Risk-based monitoring of ACHoriginations
SVG (7) Identification of anomalous ACHactivity
SVG (2) Use of standardized ACH metadata
SVG (3) Documented, repeatable monitoringprocesses
SVG (4) Support for investigation, review, andescalation
SVG (5) Examiner-ready reporting and audittrails

How ACH RiskLens Works

Background

Risk-Based Transaction Scoring

Each ACH entry is evaluated using transaction context and up to 90 days of historical behavior, producing:

  • SVG_margin Unauthorized ACH activity
  • SVG_margin Social engineering & account compromise
  • SVG_margin Elder financial exploitation
  • SVG_margin First-time or newly changed originators, SEC codes, or counterparties
Background (1)

ACH-Specific Risk Logic

Risk scoring incorporates fraud scenarios such as:

  • SVG_margin Unauthorized ACH activity
  • SVG_margin Social engineering & account compromise
  • SVG_margin Elder financial exploitation
  • SVG_margin First-time or newly changed originators, SEC codes, or counterparties
Background (2)

Anomaly Detection

ACH RiskLens identifies out-of-pattern behavior including:

  • SVG_margin Unusual amounts relative to historical norms
  • SVG_margin Abnormal frequency, velocity, or burst activity
  • SVG_margin New or infrequent counterparties
  • SVG_margin Material behavioral shifts over time

Metadata-Aware Analysis

Standardized ACH descriptors (e.g., PAYROLL, PURCHASE) are incorporated into risk scoring, with reporting on metadata usage and compliance alignment.

Actionable, Explainable Results
  • SVG_margin Clear risk reasoning and supporting evidence for every score
  • SVG_margin No opaque or “black box” decisions
  • SVG_margin Designed for audit, examination, and internal review
  • Group 12 (1) Community banks
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SVG (8)

Designed for Review — Not Interdiction

  • Consolidated view of high-risk ACH transactions
  • Feedback and tracking to support investigations
  • Configurable thresholds, adjustable by the bank
  • Threshold changes reflected in reporting

ACH RiskLens  provides visibility, documentation, and reporting to support suspect review and meet examiner expectations.

Simplification

Reporting & Audit Support

  • Pre-built and ad-hoc ACH fraud reports
  • Risk score and tier reporting
  • Metadata usage and compliance visibility
  • Logged inputs, outputs, and decisions
  • Retained records supporting audits and examinations
Simplification (1)

Operationally Practical by Design

  • Daily automated ACH file scoring
  • Informational only—no transaction blocking
  • Core agnostic

SVG (9)

ACH RiskLens

Clear risk visibility. Explainable results. Built for Nacha’s 2026 requirements.

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