Join Affirmative at Smarter
Faster Payments 2025
Join ATI April 27th-30th at the Nacha's Smarter
Faster Payments 2025 Conference
in New Orleans.
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Our Features
Banks, Credit Unions and Fintechs
prefer Affirmative.
Single solution
Simplify ACH compliance and risk management
with ACH Risk Manager™—a single solution for
all your ACH risk needs.
AI-driven
Use AI-driven risk modeling to accurately
rate accounts, segment risks, and optimize
funds management and fee opportunities.
ACH compliance
Centralize ACH compliance with monitoring, automated controls, and enterprise-wide 
visibility—all in one platform.
Simplify ACH Compliance and
Risk Management
Dealing with fragmented data and manual processes for your ACH risk management?
Advanced Risk Platform: Handle multiple dimensions of ACH risk.
Comprehensive Solution: Connect and unify data across legacy systems.
Streamlined Management: Centralize and simplify ACH risk oversight.
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Big Picture on Your Third-Party
and Originator Risk
Risk Rating your accounts historically has been a mixture of business logic or leveraging of ratings from applications not specifically designed to assess ACH Risk. We can do better.
Use AI to risk rate your accounts using our proprietary risk modelling
trained daily on over 500,000 active Originators. Segment your
portfolio by the likelihood of Returns activity
so you can proactively:
Identify High-Risk Accounts
Manage Funding and Funds Availability Limits
Identify Additional Fee Income Opportunities
Learn More
Stay Audit Ready & Ahead of
Regulation Changes
Simplify compliance by centralizing and monitoring ACH activity
across your enterprise. Set custom controls, enable automated return
rate monitoring, and get instant compliance evidence—all in one place.
Centralize and correlate your ACH data and unlock on-demand
enterprise visibility:
Enable Nacha Compliance
Return Rate and Limit Exception Monitoring
Streamlined Customer Periodic Reviews
Comprehensive Third-Party Risk Management
Learn More
Talk to Our Experts
Contact Us
Lead your organization to new heights with ATI’s ACH Intelligence—centralize data, master compliance, and simplify risk.
Tell us a bit about yourself to get started.
Email us at sales@affirmativeusa.com
Don't Just Take Our Word For It!
Hear it from our partners.
Testimonials
Up for a conversation ?
Whether you have questions, need insights, or want to explore new opportunities, we're here to chat.
Let’s jump right in.
Maria C. McDaniels
Managing Director Specialty Banking
& Deposit Operations
ATI has been a true partner to both the Bank and our clients. We adore the team and appreciate the depth of knowledge and level of dedication they have to our clients. We can pick up the phone at any time and speak to someone we trust for guidance or support. The entire team at ATI goes above and beyond to make sure their clients are happy and well supported
Maria R.
First Vice President, Head of Partner Banking
ACH Risk Manager automates Nacha compliance for Valley so that we don't need to manage multiple spreadsheets / do things via email. It allows us to manage customer limits and all Nacha thresholds in an automated fashion so that they are easily monitored and shareable.
James Middleton
Assistant Vice President & Manager, Payments Risk
"It’s honestly been one of the best implementation experiences we’ve had here at the bank. I look forward to a long partnership between ATI and Avidia Bank!
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