NACHA ACH Audit & Risk Assessment Services
If you originate or process ACH payments, your bank and processors expect proof of NACHA compliance. We perform your annual ACH Rules compliance audit, test your controls, and complete your ACH risk assessment, then deliver a report your ODFI will accept.
No current audit, no ACH access.
Banks and processors typically want an ACH audit completed within the last 12 months. Without one, you risk losing origination rights and halting operations. We test against the NACHA Operating Rules and give you a clear path to fix any gaps.
NACHA Rules Coverage
Authorization, security, returns and TPS rules
Control Testing
Evidence documented for your bank
Remediation Roadmap
Prioritized fixes for every finding
Who needs an ACH audit
Third-Party Senders & Providers
Annual NACHA audits and risk assessments are required.
Payroll Processors & Payfacs
Banks expect current audit reports and third-party sender oversight.
FinTech Platforms with ACH
Processors and sponsor banks review your ACH controls.
How it works
Scoping & Data Request
We review your ACH flows, bank agreements and transaction volumes.
Rules Compliance Testing
We test authorizations, data security, returns and third-party sender oversight against NACHA rules.
Risk Assessment
We evaluate fraud, credit and operational risk across your ACH activity.
Report & Remediation
You receive an audit report, risk rating and remediation plan your bank can review.
Frequently Asked Questions
Who is required to complete an ACH audit?
NACHA rules require an annual ACH Rules Compliance Audit for financial institutions, third-party senders and third-party service providers. Many banks also require their originators to complete one.
How often is an ACH audit required?
Annually. NACHA requires the audit to be completed by December 31 each year, and banks and processors typically won't accept a report older than 12 months.
What does an ACH audit cover?
Origination controls, risk management, third-party sender oversight, authorizations and consumer compliance, returns and exceptions, bank agreement compliance, and your policies and procedures.
Keep your ACH program audit-ready
Book a free consultation and schedule your annual ACH audit.