Originator/TPS Audits & Risk Assessments
The Nacha Operating Rules require every ODFI and Third-Party Sender to complete an annual audit of Rules compliance (Article One, Subsection 1.2.2). ODFIs carry the added responsibility of making sure their Originators follow the Rules and comply with all governing regulations.
SFE has partnered with Optim ACH Solutions (OAS) to make that work simpler. We are excited to now offer digital, cloud-based tools, powered by OAS™, to walk users through the applicable Rules in plain language, capture documentation as they go, and produce a completed report ready for your file, your examiner, or your board.
Using guided workflows, dynamic branching logic, embedded regulatory references, and educational content, these easy-to-use solutions transform traditional checklists and questionnaires into interactive experiences that help users better understand both compliance requirements and risk exposure.
Buy for your own institution, or purchase on behalf of the Originators and Third-Party Senders you serve. Volume pricing is available - reach out to info@sfe.org about special offers.
Choose Your Solution:
Expand each section to learn about the digital, cloud-based, self-audit and risk assessment solutions, powered by OAS™
Third-Party Sender ACH Audit Solutions
- Payroll Service Providers (PSPs) ACH Audit
- OAS's flagship Third-Party Sender Audit self-audit solution is designed specifically for PSPs, accountants, and payroll professionals.
- Tailored for small- to mid-sized organizations, the audit helps evaluate compliance with applicable ACH Rules and assesses controls surrounding payroll direct deposits, business payments, and related ACH processing activities.
- The structured audit framework assists organizations in identifying compliance gaps, strengthening controls, and supporting sound risk management practices.
- Property Management Company ACH Audit
- Designed specifically for property management organizations, this self-audit tool helps assess compliance with ACH Rules related to rent collection, tenant payments, and vendor transactions.
- Well-suited for small to mid-sized businesses, the audit provides a structured framework to evaluate ACH processes, identify potential compliance gaps, and strengthen risk management practices.
- Also available as part of an audit and risk assessment bundle.
Purchase Property Management ACH Audit & Risk Assessment Bundle Solution, Powered by OAS™
- Core ACH Payments Audit
- This solution provides a versatile audit framework for Third-Party Senders and Third-Party Service Providers that originate ACH debits and credits.
- Designed for organizations managing multiple payment applications and client types, it delivers a comprehensive assessment of ACH Rules compliance across a variety of transaction environments.
- Audit tools support PPD, CCD, and CTX Standard Entry Class (SEC) Codes.
- Also available in a Core Plus package that includes TEL and WEB, including a WEB Debit Security Audit.
Third-Party Sender Risk Assessment Solutions
- PSPs Risk Assessment
- Designed specifically for Payroll Service Providers, this cloud-based risk assessment extends beyond traditional ACH risk categories to address payroll-specific operational, compliance, and fraud risks.
- Extends beyond traditional risk categories to address payroll-specific operational, compliance, and fraud risks. Through industry-focused case studies, guided assessment questions, educational resources, and control considerations, organizations gain a deeper understanding of their inherent risk exposure, evaluate residual risk, and identify opportunities to strengthen internal controls and risk management practices.
- Also available as part of an audit and risk assessment bundle
- Core ACH Payments Risk Assessment
- Designed for Originators, Third-Party Senders, and Nested Third-Party Senders, this tool helps organizations identify risks, evaluate controls, and strengthen ACH risk management practices.
- Official release date: August 1, 2026.
Originator Compliance Review Solution
- Designed for organizations that originate ACH debits and credits PPD, CCD, CTX, TEL, WEB Standard Entry Class Codes, and includes a WEB Debit Security Audit.
- Includes the components needed to support compliance with applicable Nacha Operating Rules.
- Combines valuable educational insight with a comprehensive audit framework to help organizations understand their compliance obligations and demonstrate compliance readiness.
WEB Debit Security Audit & Compliance Review Solution
- Designed for Originators, Third-Party Senders, and Nested Third-Party Senders that originate WEB debit entries, this assessment evaluates compliance with the WEB ACH Rules and helps satisfy Nacha's annual WEB Security Audit requirement.
- Assesses physical, administrative, access, and network security controls designed to protect sensitive banking and personal information from unauthorized access, theft, or tampering.
- Resulting documentation supports an organization's compliance and risk management efforts related to WEB debit origination.
