ACH Audit Services

ACH audits that stand up to Nacha Operating Rules, regulators, and real-world risk.

Financial institutions participating in the ACH network face expanding regulatory expectations, increased fraud risk, and new Nacha attestation requirements. Young & Associates’ ACH audit services help banks and credit unions meet mandatory annual Nacha rules compliance requirements while strengthening overall ACH risk management, third-party oversight, and board governance.

We deliver independent, risk-based assessments aligned with Nacha Operating Rules, regulatory guidance, and examiner expectations — so your institution is prepared, documented, and defensible.

Schedule your ACH rules compliance audit today

Why institutions choose us for ACH Audit Services

Comprehensive, Risk-Based Scope

Independence, Expertise, & Examiner Credibility

Clear Deliverables & Actionable Results

Aligned with ACH rules and regulations

ACH Audit Services Built for Today’s Rules & Tomorrow’s Risk

Participating Depository Financial Institutions are required to complete an annual ACH audit under Article One, Subsection 1.2.2 of the Nacha Operating Rules. This ACH rules compliance audit is mandatory — and increasingly scrutinized.

Beginning in October 2025, financial institutions must also attest to the completion of their audit through Nacha’s Risk Management Portal. Institutions have 30 calendar days to respond to proof-of-audit requests, making audit quality, timing, and documentation critical.

Our ACH audit services eliminate uncertainty by delivering clear, defensible results you can stand behind.

Components of Risk-Based Nacha Rules Compliance Audits

Annual ACH Rules Compliance Audit

Meets Nacha requirements with clear documentation to support attestation.

Risk-Based ACH Audit Coverage

Assesses ACH risk related to volume, growth, and complexity.

Fraud Monitoring Readiness (2026 Rules)

Assesses whether processes exist, are documented, and are reviewed annually.

Third-Party Oversight Review

Evaluates third-party service provider and sender risk.

Board & Examiner-Ready Reporting

Provides clear findings, risk ratings, and actionable recommendations.

What Our ACH Audit Services Cover

We don’t just find problems — we deliver solutions to correct them.

Each engagement is tailored to your institution’s ACH profile and may include:

	Annual ACH rules compliance audit testing
	Review of ACH policies, procedures, and internal controls
	Originator underwriting standards and exposure limits
	ACH credit and debit exposure monitoring
	Fraud monitoring and unauthorized return analysis
	Exception processing and error resolution
	Third-party service provider and sender oversight
	Compliance considerations related to Regulation E, Regulation CC, Regulation DD, BSA/AML, and OFAC
	Board reporting and governance practices

This comprehensive scope supports both ACH compliance and long-term ACH risk management.

Contact an expert

Independent & Defensible ACH Audits

Y&A has served financial institutions for more than 45 years, with consultants who understand ACH operations, payments risk, and regulatory scrutiny.

Why institutions choose Y&A for ACH audit services:

Independent, third-party ACH audits
Consultants with deep ACH and payments expertise
Risk-based methodology aligned with ACH rules and regulations
Clear, defensible workpapers and reporting
Actionable recommendations

Our consultants work exclusively with financial institutions — community banks and credit unions — so our recommendations accurately reflect how ACH operates in your environment.

Let’s strengthen your ACH program

Whether you need a stand-alone Nacha Rules audit, a broader risk-based ACH review, or support preparing for rule changes, Young & Associates delivers independent insight you can rely on.

Request information or schedule a consultation to discuss your ACH audit needs.