SAN FRANCISCO, Calif., Aug. 24, 2026: Flagright, the AI operating system for financial crime compliance, today announced that it has become a Nacha Preferred Partner for Compliance, Fraud Monitoring and Risk and Fraud Prevention.

Nacha’s Preferred Partner Program is open to technology solution providers whose offerings align with Nacha’s strategy of advancing the ACH Network and directly benefit ACH Network users. Through the program, Flagright will engage with payments practitioners on risk-based transaction monitoring, fraud prevention, AML compliance, investigations, governance and responsible uses of AI across ACH operations.

The ACH Network processed 35.2 billion payments valued at $93 trillion in 2025. As ACH volume and speed continue to grow, financial institutions and payment companies need controls that can assess activity in real time or after processing without creating unnecessary friction for legitimate payments.

“ACH is core to the U.S. payments system, but the controls surrounding it cannot remain fragmented or dependent only on retrospective review,” said Baran Özkan, Co-founder and CEO of Flagright. “Becoming a Nacha Preferred Partner gives us a stronger forum to engage the payments community, share practical approaches to risk-based monitoring and help institutions connect ACH fraud detection, AML controls, investigations and governance in one operating system. The objective is straightforward: safer, more resilient ACH operations without unnecessary friction for legitimate payments.”

Flagright enables banks, credit unions, fintechs and payment companies to monitor ACH activity alongside cards, bank transfers, wallets, instant payments and digital assets in one configurable system. Teams can connect transaction, customer and counterparty context, apply risk-based controls and manage the complete workflow from detection through investigation, disposition, reporting and governance.

Nacha’s 2026 Operating Rules place greater emphasis on risk-based monitoring for unauthorized ACH payments and payments induced by impersonation or deception. Flagright helps financial institutions and payment providers put these processes into practice through:

  • Real-time and post-transaction monitoring: Evaluate ACH activity before processing or after it occurs, helping teams prevent suspicious payments where possible and identify activity that requires follow-up.
  • Configurable risk-based controls: Combine payment amounts, frequency, customer behavior, unusual recipients and customer risk profiles to identify patterns associated with account takeover, impersonation scams and money-mule activity.
  • Separate transaction risk scoring: Give each payment its own risk score based on its specific characteristics, separate from the customer’s profile risk. This helps teams identify an unusually risky payment even when it comes from an otherwise established customer.
  • Integrated screening and fraud monitoring: Screen customers and counterparties against configured sanctions and watchlists, while monitoring ACH activity for unusual behavior. Alerts from both processes flow into the same investigation workspace, giving teams a more complete view of the risk.
  • Unified investigations: Bring alerts, payment history, customer information and supporting evidence into one case-management workflow. AI assistance can help gather evidence and suggest next steps, while the compliance team retains responsibility for every decision.
  • Governance and auditability: Test rules before deployment, require maker-checker approval for changes, and retain rule versions and audit histories. This supports the regular review and updating of monitoring processes expected under the Rules.

Flagright plans to use its Preferred Partner status to contribute practical education and industry dialogue on ACH fraud monitoring, financial crime compliance, investigations, governance and responsible AI.

Read Nacha’s official announcement: https://www.nacha.org/news/flagright-now-nacha-preferred-partner-ach-compliance-fraud-monitoring-and-risk-and-fraud

About Flagright

Flagright is the AI operating system for financial crime compliance, trusted by more than 100 financial institutions across 30+ countries. Its unified, risk-based platform brings together transaction monitoring, watchlist screening, risk scoring, case management, investigations, reporting, governance and AI agents in one configurable, audit-ready system. Financial institutions can centralize detection, investigations and decision making across ACH and other payment rails while maintaining human oversight and clear evidence trails.

About Nacha

Nacha governs the ACH Network, which enables Direct Deposits and Direct Payments that can reach all U.S. bank and credit union accounts. Nacha develops rules and standards, provides industry solutions, and delivers education, accreditation and advisory services.

Learn more at nacha.org.