We're pleased to share that Nacha, the governing body behind the ACH Network, has named Oscilar a Preferred Partner for Account Validation, Fraud Monitoring, and Risk and Fraud Prevention.

"Nacha remains committed to strong risk management and fraud detection in the ACH Network, as reflected in both existing and forthcoming Nacha Rules," said Jane Larimer, Nacha President and CEO. "We welcome Oscilar as a Nacha Preferred Partner."

This designation comes at a critical moment for the ACH Network as new fraud patterns continue to emerge. Rule changes taking effect in March 2026 will, for the first time, require corporate end users that originate ACH payments to take on fraud prevention responsibilities previously handled by financial institutions and third-party providers. This represents a significant change in how ACH risk is managed across the entire origination chain.

Oscilar’s AI Risk Decisioning™ platform supports institutions as they adapt to the 2026 rules, making it easier to apply layered controls, monitor risk in real time, and maintain clear accountability across ACH origination and receipt.

How Oscilar enables real-time defense for ACH fraud

Specialized AI agents continuously monitor for Business Email Compromise, vendor and payroll impersonation, mule networks, account takeover, social engineering scams, and ACH kiting. Decisions are delivered in under 100 milliseconds with explainable outcomes.

Pre-submission ACH controls

Outbound ACH files are evaluated for risk before entering the network. Behavioral baselines flag unusual originator and beneficiary activity, account ownership verification reduces false pretenses, and entity-level risk scoring helps stop suspicious transactions before losses occur.

Unified risk intelligence

Device fingerprinting, behavioral biometrics, ACH transaction history, KYC/KYB data, and AML intelligence are consolidated into a single risk view. Graph analytics surface linked accounts, shared devices, and velocity spikes that indicate coordinated fraud activity.

Adaptive intelligence without engineering overhead

Supervised models address known fraud patterns while unsupervised anomaly detection identifies emerging threats. No-code workflows allow risk teams to describe logic in plain English and deploy changes in hours rather than months.

Audit-ready compliance

Every alert, model version, analyst action, and decision is logged with full lineage and rationale. Integrated case management supports SAR narrative generation and regulatory reviews without manual reconciliation.

Achieving 2026 Nacha compliance without a multi-year overhaul

One of the most significant barriers to Nacha 2026 readiness is the perceived cost and risk of modernization. Many institutions assume compliance requires replacing core ACH systems or re-architecting fraud infrastructure, projects that can take years and introduce unacceptable operational risk.

Oscilar changes that assumption. Most organizations reach Nacha 2026 readiness in under 12 weeks, without replacing core systems. The platfom's no-code workflows, unified data fabric, and AI-driven controls allow teams to modernize quickly while delivering measurable improvements from day one.

TransPecos Banks, a Texas-based institution processing millions of ACH transactions, achieved an estimated $3 million in annual savings while reducing fraud operations costs by 40% after deploying Oscilar. Globally, Oscilar processes 30+ billion risk decisions annually, supporting institutions of all sizes with scalable, real-time fraud prevention.

"Our partnership with Nacha brings AI Risk Decisioning to financial institutions of every size, empowering them to meet Nacha’s fraud monitoring and compliance standards with real-time precision," said Neha Narkhede, Co-Founder and CEO of Oscilar. "Oscilar’s platform unifies fraud detection, account validation and compliance without requiring armies of engineers. The result is stronger defenses, faster innovation cycles and greater trust in digital payments. When a community bank can deploy the same adaptive risk intelligence as a global institution, everyone benefits: the industry, the institutions and the consumers they serve."

2026 Nacha compliance timeline

The Nacha compliance window is phased and leaves little room for delay:

• March 20, 2026: Applies to ODFIs and processors that handled more than 6 million ACH entries in 2023

• June 19, 2026: Applies to all ACH participants, regardless of size

As a Nacha Preferred Partner, Oscilar supports institutions of every size with AI-native risk decisioning that brings fraud detection, account validation, and compliance together.

With an average implementation time of 12 weeks and measurable ROI beginning in the first month, institutions that move early can meet regulatory requirements while avoiding operational disruption and last-minute remediation.

Resources for achieving 2026 Nacha compliance

• Oscilar is hosting a live webinar on January 15, 2026: Demystifying the 2026 Nacha Compliance Updates. Oscilar Chief Product Officer Saurabh Bajaj and Btech Consortium HUB Manager Tim O'Brien will break down the rule changes, explain what regulators expect, and provide a practical roadmap for compliance.
  
  

• For a comprehensive breakdown of the 2026 requirements and how to prepare, read our full guide: Achieving Nacha Compliance with Oscilar: The Fast Track to Proactive ACH Fraud Monitoring.
  
  

• Visit Oscilar's profile on the Nacha website to learn more about the partnership.