ACH Audit & Risk Assessment

The ACH Network is the batch-based rail that moves electronic payments transfers between financial institutions, governed by the Nacha Operating Rules. The Network handled more than 35.19 billion transactions worth $93 trillion in 2025.

Nacha Operating Rules Article One, Subsection 1.2.2 requires an annual ACH Rules compliance audit, completed by December 31 each year by participating DFIs, Third-Party Senders, and Third-Party Service Providers. Strengthen your ACH operations in compliance, risk controls, and efficiency and allow your trusted SFE advisors to conduct your annual ACH Audit and recommended Risk Assessment.

Find the details of the service you will receive by expanding the sections below. You can also find additional compliance services for financial institutions for thorough reviews of your RDC, Wire Transfer, and Real-Time Payments processes.

Need Originator or Third-Party Sender services? Click Here.

When you bundle services or schedule your compliance services before July 1^st, you are eligible for rate discounts. 

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Remote Deposit Capture (RDC) Risk Assessment & Internal Controls Testing

Evaluation of your institution’s commercial and consumer RDC operations, policies, procedures, processes, and an examination of your established risk controls

What RDC Risk Assessment and Internal Controls Testing includes:

• Pre-assessment checklists
• Thorough assessment of RDC activities and risk management program
• Written RDC Risk Assessment Report, including recommendations for improvement
• Review of agreements
• Opening and exit meetings
• Access to assessor for questions

When you bundle services or schedule your compliance services before July 1^st, you are eligible for rate discounts. 

REQUEST FOR PROPOSAL

Wire Transfer Risk Assessment and Audit Assessment & Internal Controls Testing

Evaluation of your institution’s wire transfer operations, policies, procedures, processes, compliance, and an examination of your established risk controls

What Wire Transfer Risk Assessment and Internal Controls Testing includes:

• Pre-assessment checklists
• Thorough assessment of wire activities and risk management program
• Written Wire Risk Assessment Report, including recommendations for improvement
• Review of agreements
• Opening and exit meetings
• Access to assessor for questions

When you bundle services or schedule your compliance services before July 1^st, you are eligible for rate discounts. 

REQUEST FOR PROPOSAL

RTP^® Audit & Risk Assessment

The RTP network is The Clearing House's (TCH) real-time payment rail, launched in 2017 as the first new U.S. payments infrastructure in more than 40 years. It moves credit-push payments that settle in seconds, 24/7/365, and are final and irrevocable once accepted. 

The RTP Operating Rules require every Participant to complete an annual self-audit verifying compliance with both the Participation Rules and the Operating Rules, with the signed Self-Audit Form due to TCH by March 31 of the following year.

If you send or receive RTP, the audit applies to you. Let SFE's trusted Advisors perform the required RTP rules audit, so you do not have to go it alone. For furthur protection, an RTP risk assessment will address your exposure and the effectiveness of your controls.

When you bundle services or schedule your compliance services before July 1^st, you are eligible for rate discounts. 

REQUEST FOR PROPOSAL