Our Solutions
ACH Risk Manager ™ for Financial Institutions
We enable financial institutions of all sizes to seamlessly manage risk across all electronic payment channels. With ACH Risk Manager ™ banks and credit unions can capture, analyze, manage and report on originations and returns from a single interface, dramatically improving efficiency and productivity in your operations center.
ACH Processor ™ for Payment Processors
With Affirmative, you can capture your online, telephone, and in-person payments in a single, easy to use system. Using our API, you can easily integrate our payment capture engine directly into your existing platform. Settlement and payment reconciliation are a snap with our robust settlement and reporting engine.
Enterprise Grade Functionality
- Set risk management controls at the originator level. Accurately limit exposure using built in pattern recognition and originator risk scoring.
- Automatically match returned transactions to originations. Create ACH files and reports for each third-party processor and originator.
- Hold new credit transactions with the settlements module. Assign costs to all ACH activity with the billing module. Set alerts for unauthorized return rates using our BI module.
- Check incoming IAT transactions against OFAC lists from within the application leveraging a leader in regulatory compliance monitoring
- Set risk management controls at the originator level. Accurately limit exposure using built in pattern recognition and originator risk scoring.
- Automatically match returned transactions to originations. Create ACH files and reports for each third-party processor and originator.
- Hold new credit transactions with the settlements module. Assign costs to all ACH activity with the billing module. Set alerts for unauthorized return rates using our BI module.
- Check incoming IAT transactions against OFAC lists from within the application leveraging a leader in regulatory compliance monitoring
Ecosystem
Risk Manager can sit in front of or behind your core ACH processing system. We are core agnostic. Whether you are running PEP+ on-premise or are hosting your core processing with Fiserv, FIS, or Jack Henry, our Risk Management engine can help automate your workflow.
Business Intelligence
Create ad hoc and on-demand reports for all of your payment channels.
Export your reports to popular image formats, CSV, and Excel.
Get email alerts when reports exceed custom-defined thresholds.
Create custom dashboards to group reports and monitor KPI’s.
Send reports via email to any address, automatically, on your schedule.
View your organization’s activity across payment channels with ACH, Wire, and Check21 reporting.
Flexible
View your data as a pivot table, a summary table, or graphically. Each report can be presented in the format of your choosing and changed with a click.
Customizable
Each report can be customized for your needs. Change color schemes, sorting orders, and hover text right in the browser.
Filtering & Drill Down
Reports support live filtering, allow you to drill down or drill across for more insight, and can be exported as either data or a graphic.
Distribution
When creating new reports, choose the audience you want to share them with. Keep reports private or share them with another user or a group of users.
Dashboards & KPI’s
Dashboard reports feature filters allowing you to drill down on specific dates, processors, originators, and more. KPI’s allow you to view information at a glance. Embed as many reports as needed onto your dashboards and customize the layout with the drag-and-drop organizer.
Scheduled Reports and Alerts
The report scheduling system allows you to choose an export format for your report and automatically set up a recurring email. At the time of your choosing, the system will automatically generate your new reports and email them directly to your inbox.
The alert system can be configured to monitor your reports for specific events and notify you when there are changes. For example, you could create an alert to monitor each processor’s return rate which notifies you when they cross a specific threshold.
Advanced Analytics
Our ACH scoring AI engine will monitor your originators’ transaction history and automatically suggest updated risk settings based on the likelihood of returns. We can even suggest risk limits for new originators by analyzing the behavior of similar accounts on our platform.
Automatic Originator Risking
Assigns risk scores to originators based on the likelihood of returned transactions.
Based on Actual Transaction History
Built on hundreds of millions of historical origination and return records.
Hands-Free Risk Management
Automatically adjust originator risk settings based on risk scoring, continuously updated with the latest transaction data.
Learns and Adjusts
The system becomes even more accurate over time, learning from your originators’ unique activity and patterns.
Layers of Security
Multi-Factor Authentication
Username and password, time-based one-time passwords, machine biometrics.
Fully Tested Environments
Our software is tested by multiple independent third parties for security controls and defects.
Certified
Our data centers are SSAE18 certified. They are equipped to handle large volumes of financial transactions, both ACH and PCI, securely.
Documented
We have clearly documented policies covering everything from Disaster Recovery and Security Incidents to Penetration Testing.
High Availability
We operate fully redundant infrastructure including internet connections, firewalls, load balancers, and servers to ensure our systems are always running and always available.
Our data centers are geographically dispersed to prevent outages from natural and man-made disasters.
Leveraging SQL Server’s AlwaysOn and Failover Clustering, we are able to securely store your database in two locations simultaneously.
Our network and systems are actively monitored twenty-four hours a day for unexpected activity.
We operate fully redundant infrastructure including internet connections, firewalls, load balancers, and servers to ensure our systems are always running and always available.
Our data centers are geographically dispersed to prevent outages from natural and man-made disasters.
Leveraging SQL Server’s AlwaysOn and Failover Clustering, we are able to securely store your database in two locations simultaneously.
Our network and systems are actively monitored twenty-four hours a day for unexpected activity.