Incredible ACH Compliance Tool Especially for Third Party Processors
April 09, 2025

Incredible ACH Compliance Tool Especially for Third Party Processors

Anonymous | TrustRadius Reviewer
Score 10 out of 10
Vetted Review
Verified User

Overall Satisfaction with Affirmative ACH Risk Manager

We use ACH Risk Manager today to manage our Nacha compliance across our Third Party Sender ACH Programs. This ensures that our clients are operating within their limits and within the Nacha allowed return ratios. This fills the need for us to use multiple excel sheets and emails on a daily basis and brings it all into one system. The rest of the bank uses Affirmative as well to manage our bank-wide Nacha compliance.

Pros

  • Managing ACH Limits for Originators
  • Managing Nacha return ratios by Originators
  • Managing ACH Compliance for Third-Party Sender Programs

Cons

  • The screens are very antiquated
  • Originator onboarding
  • Potential enhancements for reconciliation
  • The ROI isn't meaningful unless you are processing significant transactions
  • Saves in FTE for processing (multiple)
  • Automates reporting
It is very functional, but the user interface could use some work. Some of the bulk upload capabilities are not very intuitive and require enhancement. It would be nice if it were a bit more configurable for more sophisticated use cases (such as processing for third-party senders). However we are overall happy with it.
I was not involved in the vetting process

Do you think Affirmative ACH Risk Manager delivers good value for the price?

Yes

Are you happy with Affirmative ACH Risk Manager's feature set?

Yes

Did Affirmative ACH Risk Manager live up to sales and marketing promises?

Yes

Did implementation of Affirmative ACH Risk Manager go as expected?

Yes

Would you buy Affirmative ACH Risk Manager again?

Yes

ACH Risk Manager is well suited for banks who are focusing on payments and processing for a lot of originators. ACH Risk Manager is not well suited for smaller banks who process minimal ACH transactions / do not support ACH for commercial customers who are originating their own transactions. It is great for mid-large banks.

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