NACHA 2026
Meet NACHA 2026 requirements with confidence.
Meet NACHA 2026 requirements with confidence.
Meet NACHA 2026 requirements with confidence.
Meet NACHA 2026 requirements with confidence.
Transform regulatory compliance into competitive advantage. Oscilar's Fast Track Program delivers full NACHA compliance in under 12 weeks, with AI-powered fraud detection that grows with your institution.
Schedule a Compliance Assessment
WHAT's CHANGING?
The NACHA operating rules are evolving.
Beginning March 2026, all U.S. financial institutions must implement proactive, risk-based fraud monitoring to move beyond static rules. Intelligent detection is the new standard.
WHAT's CHANGING?
The NACHA operating rules are evolving.
Beginning March 2026, all U.S. financial institutions must implement proactive, risk-based fraud monitoring to move beyond static rules. Intelligent detection is the new standard.
WHAT's CHANGING?
The NACHA operating rules are evolving.
Beginning March 2026, all U.S. financial institutions must implement proactive, risk-based fraud monitoring to move beyond static rules. Intelligent detection is the new standard.
WHAT's CHANGING?
The NACHA operating rules are evolving.
Beginning March 2026, all U.S. financial institutions must implement proactive, risk-based fraud monitoring to move beyond static rules. Intelligent detection is the new standard.
Two Phases of Compliance
❶
March 20, 2026
ODFIs and processors with >6 million ACH entries/year
❷
June 19, 2026
All ACH participants, regardless of size
What's Required
Continuous monitoring for business email compromise, vendor impersonation, and payroll fraud
Detection of account takeover attempts and mule network activity
Risk-based procedures with documented decision trails
Both ODFI and RDFI monitoring capabilities
Continuous monitoring for business email compromise, vendor impersonation, and payroll fraud
Detection of account takeover attempts and mule network activity
Risk-based procedures with documented decision trails
Both ODFI and RDFI monitoring capabilities
Continuous monitoring for business email compromise, vendor impersonation, and payroll fraud
Detection of account takeover attempts and mule network activity
Risk-based procedures with documented decision trails
Both ODFI and RDFI monitoring capabilities
Continuous monitoring for business email compromise, vendor impersonation, and payroll fraud
Detection of account takeover attempts and mule network activity
Risk-based procedures with documented decision trails
Both ODFI and RDFI monitoring capabilities
Continuous monitoring for business email compromise, vendor impersonation, and payroll fraud
Detection of account takeover attempts and mule network activity
Risk-based procedures with documented decision trails
Both ODFI and RDFI monitoring capabilities
OUR APPROACH
The Oscilar Fast Track
From assessment to full compliance in under 12 weeks. Modernize your fraud operations and protect your institution with adaptive intelligence.
OUR APPROACH
The Oscilar Fast Track
From assessment to full compliance in under 12 weeks. Modernize your fraud operations and protect your institution with adaptive intelligence.
OUR APPROACH
The Oscilar Fast Track
From assessment to full compliance in under 12 weeks. Modernize your fraud operations and protect your institution with adaptive intelligence.
OUR APPROACH
The Oscilar Fast Track
From assessment to full compliance in under 12 weeks. Modernize your fraud operations and protect your institution with adaptive intelligence.
OUR APPROACH
The Oscilar Fast Track
From assessment to full compliance in under 12 weeks. Modernize your fraud operations and protect your institution with adaptive intelligence.
What you get:
Unified AI Risk Decisioning™ Platform
360° visibility across 1,000+ behavioral and device signals
360° visibility across 1,000+ behavioral and device signals
360° visibility across 1,000+ behavioral and device signals
360° visibility across 1,000+ behavioral and device signals
360° visibility across 1,000+ behavioral and device signals
Real-time fraud detection with <100ms latency
Real-time fraud detection with <100ms latency
Real-time fraud detection with <100ms latency
Real-time fraud detection with <100ms latency
Real-time fraud detection with <100ms latency
No-code rule creation in plain English
No-code rule creation in plain English
No-code rule creation in plain English
No-code rule creation in plain English
No-code rule creation in plain English
Automated audit trails and ACH Contact Registry integration
Automated audit trails and ACH Contact Registry integration
Automated audit trails and ACH Contact Registry integration
Automated audit trails and ACH Contact Registry integration
Automated audit trails and ACH Contact Registry integration
Pre-Built NACHA Detection Library
Out-of-pattern ODFI and RDFI debits/credits
Out-of-pattern ODFI and RDFI debits/credits
Out-of-pattern ODFI and RDFI debits/credits
Out-of-pattern ODFI and RDFI debits/credits
Out-of-pattern ODFI and RDFI debits/credits
Payroll-specific rules for ODFIs and RDFIs
Payroll-specific rules for ODFIs and RDFIs
Payroll-specific rules for ODFIs and RDFIs
Payroll-specific rules for ODFIs and RDFIs
Payroll-specific rules for ODFIs and RDFIs
Government disbursement monitoring for RDFIs
Government disbursement monitoring for RDFIs
Government disbursement monitoring for RDFIs
Government disbursement monitoring for RDFIs
Government disbursement monitoring for RDFIs
SEC code mismatch and anomaly detection
SEC code mismatch and anomaly detection
SEC code mismatch and anomaly detection
SEC code mismatch and anomaly detection
SEC code mismatch and anomaly detection
Suspicious return code pattern analysis
Suspicious return code pattern analysis
Suspicious return code pattern analysis
Suspicious return code pattern analysis
Suspicious return code pattern analysis
Transaction velocity monitoring
Transaction velocity monitoring
Transaction velocity monitoring
Transaction velocity monitoring
Transaction velocity monitoring
Large credits to new accounts
Large credits to new accounts
Large credits to new accounts
Large credits to new accounts
Large credits to new accounts
Dormant account reactivation alerts
Dormant account reactivation alerts
Dormant account reactivation alerts
Dormant account reactivation alerts
Dormant account reactivation alerts
Excessive micro-deposit detection
Excessive micro-deposit detection
Excessive micro-deposit detection
Excessive micro-deposit detection
Excessive micro-deposit detection
Agentic AI Agents for Autonomous Detection
Payment Fraud Agent: Real-time transaction risk scoring
Payment Fraud Agent: Real-time transaction risk scoring
Payment Fraud Agent: Real-time transaction risk scoring
Payment Fraud Agent: Real-time transaction risk scoring
Payment Fraud Agent: Real-time transaction risk scoring
Account Takeover Agent: Behavioral analysis and login monitoring
Account Takeover Agent: Behavioral analysis and login monitoring
Account Takeover Agent: Behavioral analysis and login monitoring
Account Takeover Agent: Behavioral analysis and login monitoring
Account Takeover Agent: Behavioral analysis and login monitoring
First Party Fraud Agent: Bust-out and misrepresentation detection
First Party Fraud Agent: Bust-out and misrepresentation detection
First Party Fraud Agent: Bust-out and misrepresentation detection
First Party Fraud Agent: Bust-out and misrepresentation detection
First Party Fraud Agent: Bust-out and misrepresentation detection
Network Intelligence Agent: Fraud ring and money-laundering network mapping
Network Intelligence Agent: Fraud ring and money-laundering network mapping
Network Intelligence Agent: Fraud ring and money-laundering network mapping
Network Intelligence Agent: Fraud ring and money-laundering network mapping
Network Intelligence Agent: Fraud ring and money-laundering network mapping
Scam Detection Agent: Social engineering and suspicious payment flagging
Scam Detection Agent: Social engineering and suspicious payment flagging
Scam Detection Agent: Social engineering and suspicious payment flagging
Scam Detection Agent: Social engineering and suspicious payment flagging
Scam Detection Agent: Social engineering and suspicious payment flagging
Fast Track Program
Your Path to Compliance
Fast Track Program
Your Path to Compliance
Fast Track Program
Your Path to Compliance
Fast Track Program
Your Path to Compliance
Fast Track Program
Your Path to Compliance
Where are you in your readiness journey?
Timeline
Milestone
Action Required
Now - Q4 2025
Assessment & Vendor Selection
Evaluate gaps, choose technology partner
Q4 2025 - Q1 2026
Implementation & Testing
Deploy platform, validate compliance
Q1 2026
Staff Training & Parallel Runs
Achieve audit readiness
March 20, 2026
Phase 1 Deadline
Full compliance for large ODFIs/processors
June 19, 2026
Phase 2 Deadline
Universal compliance for all ACH participants
Where are you in your readiness journey?
Now - Q4 2025
Assessment & Vendor Selection
Milestone
Evaluate gaps, choose technology partner
Action Required
Q4 2025 - Q1 2026
Implementation & Testing
Milestone
Deploy platform, validate compliance
Action Required
Q1 2026
Deploy platform, validate compliancement & Vendor Selection
Milestone
Achieve audit readiness
Action Required
March 20, 2026
Phase 1 Deadline
Milestone
Full compliance for large ODFIs/processors
Action Required
June 19, 2026
Phase 2 Deadline
Milestone
Universal compliance for all ACH participants
Action Required
With 12-week implementation, institutions starting now can comfortably meet Phase 1 deadlines, and have time for thorough testing and team training.
Week 1-2
Readiness Assessment
Evaluate current ACH monitoring capabilities
Document gaps and requirements
Design custom implementation plan
Week 3-5
Integrations & Data Fabric
Connect to your core banking systems
Enable unified data fabric across sources
Configure pre-built integrations
Week 6-8
Model & Rule Activation
Deploy NACHA-specific detection rules
Activate AI agents for your risk profile
Customize thresholds and workflows
Week 9-10
Validation & Testing
Run parallel testing with historical data
Validate audit trail completeness
Fine-tune for your risk appetite
Week 11-12
Training & Go-Live
Empower your team with no-code tools
Launch full production monitoring
Establish continuous optimization process
Week 1-2
Readiness Assessment
Evaluate current ACH monitoring capabilities
Document gaps and requirements
Design custom implementation plan
Week 3-5
Integrations & Data Fabric
Connect to your core banking systems
Enable unified data fabric across sources
Configure pre-built integrations
Week 6-8
Model & Rule Activation
Deploy NACHA-specific detection rules
Activate AI agents for your risk profile
Customize thresholds and workflows
Week 9-10
Validation & Testing
Run parallel testing with historical data
Validate audit trail completeness
Fine-tune for your risk appetite
Week 11-12
Training & Go-Live
Empower your team with no-code tools
Launch full production monitoring
Establish continuous optimization process
Week 1-2
Readiness Assessment
Evaluate current ACH monitoring capabilities
Document gaps and requirements
Design custom implementation plan
Week 3-5
Integrations & Data Fabric
Connect to your core banking systems
Enable unified data fabric across sources
Configure pre-built integrations
Week 6-8
Model & Rule Activation
Deploy NACHA-specific detection rules
Activate AI agents for your risk profile
Customize thresholds and workflows
Week 9-10
Validation & Testing
Run parallel testing with historical data
Validate audit trail completeness
Fine-tune for your risk appetite
Week 11-12
Training & Go-Live
Empower your team with no-code tools
Launch full production monitoring
Establish continuous optimization process
Week 1-2
Readiness Assessment
Evaluate current ACH monitoring capabilities
Document gaps and requirements
Design custom implementation plan
Week 3-5
Integrations & Data Fabric
Connect to your core banking systems
Enable unified data fabric across sources
Configure pre-built integrations
Week 6-8
Model & Rule Activation
Deploy NACHA-specific detection rules
Activate AI agents for your risk profile
Customize thresholds and workflows
Week 9-10
Validation & Testing
Run parallel testing with historical data
Validate audit trail completeness
Fine-tune for your risk appetite
Week 11-12
Training & Go-Live
Empower your team with no-code tools
Launch full production monitoring
Establish continuous optimization process
Week 1-2
Readiness Assessment
Evaluate current ACH monitoring capabilities
Document gaps and requirements
Design custom implementation plan
Week 3-5
Integrations & Data Fabric
Connect to your core banking systems
Enable unified data fabric across sources
Configure pre-built integrations
Week 6-8
Model & Rule Activation
Deploy NACHA-specific detection rules
Activate AI agents for your risk profile
Customize thresholds and workflows
Week 9-10
Validation & Testing
Run parallel testing with historical data
Validate audit trail completeness
Fine-tune for your risk appetite
Week 11-12
Training & Go-Live
Empower your team with no-code tools
Launch full production monitoring
Establish continuous optimization process
Week 1-2
Readiness Assessment
Evaluate current ACH monitoring capabilities
Document gaps and requirements
Design custom implementation plan
Week 3-5
Integrations & Data Fabric
Connect to your core banking systems
Enable unified data fabric across sources
Configure pre-built integrations
Week 6-8
Model & Rule Activation
Deploy NACHA-specific detection rules
Activate AI agents for your risk profile
Customize thresholds and workflows
Week 9-10
Validation & Testing
Run parallel testing with historical data
Validate audit trail completeness
Fine-tune for your risk appetite
Week 11-12
Training & Go-Live
Empower your team with no-code tools
Launch full production monitoring
Establish continuous optimization process
Week 1-2
Readiness Assessment
Evaluate current ACH monitoring capabilities
Document gaps and requirements
Design custom implementation plan
Week 3-5
Integrations & Data Fabric
Connect to your core banking systems
Enable unified data fabric across sources
Configure pre-built integrations
Week 6-8
Model & Rule Activation
Deploy NACHA-specific detection rules
Activate AI agents for your risk profile
Customize thresholds and workflows
Week 9-10
Validation & Testing
Run parallel testing with historical data
Validate audit trail completeness
Fine-tune for your risk appetite
Week 11-12
Training & Go-Live
Empower your team with no-code tools
Launch full production monitoring
Establish continuous optimization process
Week 1-2
Readiness Assessment
Evaluate current ACH monitoring capabilities
Document gaps and requirements
Design custom implementation plan
Week 3-5
Integrations & Data Fabric
Connect to your core banking systems
Enable unified data fabric across sources
Configure pre-built integrations
Week 6-8
Model & Rule Activation
Deploy NACHA-specific detection rules
Activate AI agents for your risk profile
Customize thresholds and workflows
Week 9-10
Validation & Testing
Run parallel testing with historical data
Validate audit trail completeness
Fine-tune for your risk appetite
Week 11-12
Training & Go-Live
Empower your team with no-code tools
Launch full production monitoring
Establish continuous optimization process
Week 1-2
Readiness Assessment
Evaluate current ACH monitoring capabilities
Document gaps and requirements
Design custom implementation plan
Week 3-5
Integrations & Data Fabric
Connect to your core banking systems
Enable unified data fabric across sources
Configure pre-built integrations
Week 6-8
Model & Rule Activation
Deploy NACHA-specific detection rules
Activate AI agents for your risk profile
Customize thresholds and workflows
Week 9-10
Validation & Testing
Run parallel testing with historical data
Validate audit trail completeness
Fine-tune for your risk appetite
Week 11-12
Training & Go-Live
Empower your team with no-code tools
Launch full production monitoring
Establish continuous optimization process
Week 1-2
Readiness Assessment
Evaluate current ACH monitoring capabilities
Document gaps and requirements
Design custom implementation plan
Week 3-5
Integrations & Data Fabric
Connect to your core banking systems
Enable unified data fabric across sources
Configure pre-built integrations
Week 6-8
Model & Rule Activation
Deploy NACHA-specific detection rules
Activate AI agents for your risk profile
Customize thresholds and workflows
Week 9-10
Validation & Testing
Run parallel testing with historical data
Validate audit trail completeness
Fine-tune for your risk appetite
Week 11-12
Training & Go-Live
Empower your team with no-code tools
Launch full production monitoring
Establish continuous optimization process
Week 1-2
Readiness Assessment
Evaluate current ACH monitoring capabilities
Document gaps and requirements
Design custom implementation plan
Week 3-5
Integrations & Data Fabric
Connect to your core banking systems
Enable unified data fabric across sources
Configure pre-built integrations
Week 6-8
Model & Rule Activation
Deploy NACHA-specific detection rules
Activate AI agents for your risk profile
Customize thresholds and workflows
Week 9-10
Validation & Testing
Run parallel testing with historical data
Validate audit trail completeness
Fine-tune for your risk appetite
Week 11-12
Training & Go-Live
Empower your team with no-code tools
Launch full production monitoring
Establish continuous optimization process
Week 1-2
Readiness Assessment
Evaluate current ACH monitoring capabilities
Document gaps and requirements
Design custom implementation plan
Week 3-5
Integrations & Data Fabric
Connect to your core banking systems
Enable unified data fabric across sources
Configure pre-built integrations
Week 6-8
Model & Rule Activation
Deploy NACHA-specific detection rules
Activate AI agents for your risk profile
Customize thresholds and workflows
Week 9-10
Validation & Testing
Run parallel testing with historical data
Validate audit trail completeness
Fine-tune for your risk appetite
Week 11-12
Training & Go-Live
Empower your team with no-code tools
Launch full production monitoring
Establish continuous optimization process
Week 1-2
Readiness Assessment
Evaluate current ACH monitoring capabilities
Document gaps and requirements
Design custom implementation plan
Week 3-5
Integrations & Data Fabric
Connect to your core banking systems
Enable unified data fabric across sources
Configure pre-built integrations
Week 6-8
Model & Rule Activation
Deploy NACHA-specific detection rules
Activate AI agents for your risk profile
Customize thresholds and workflows
Week 9-10
Validation & Testing
Run parallel testing with historical data
Validate audit trail completeness
Fine-tune for your risk appetite
Week 11-12
Training & Go-Live
Empower your team with no-code tools
Launch full production monitoring
Establish continuous optimization process
Week 1-2
Readiness Assessment
Evaluate current ACH monitoring capabilities
Document gaps and requirements
Design custom implementation plan
Week 3-5
Integrations & Data Fabric
Connect to your core banking systems
Enable unified data fabric across sources
Configure pre-built integrations
Week 6-8
Model & Rule Activation
Deploy NACHA-specific detection rules
Activate AI agents for your risk profile
Customize thresholds and workflows
Week 9-10
Validation & Testing
Run parallel testing with historical data
Validate audit trail completeness
Fine-tune for your risk appetite
Week 11-12
Training & Go-Live
Empower your team with no-code tools
Launch full production monitoring
Establish continuous optimization process
Week 1-2
Readiness Assessment
Evaluate current ACH monitoring capabilities
Document gaps and requirements
Design custom implementation plan
Week 3-5
Integrations & Data Fabric
Connect to your core banking systems
Enable unified data fabric across sources
Configure pre-built integrations
Week 6-8
Model & Rule Activation
Deploy NACHA-specific detection rules
Activate AI agents for your risk profile
Customize thresholds and workflows
Week 9-10
Validation & Testing
Run parallel testing with historical data
Validate audit trail completeness
Fine-tune for your risk appetite
Week 11-12
Training & Go-Live
Empower your team with no-code tools
Launch full production monitoring
Establish continuous optimization process
Week 1-2
Readiness Assessment
Evaluate current ACH monitoring capabilities
Document gaps and requirements
Design custom implementation plan
Week 3-5
Integrations & Data Fabric
Connect to your core banking systems
Enable unified data fabric across sources
Configure pre-built integrations
Week 6-8
Model & Rule Activation
Deploy NACHA-specific detection rules
Activate AI agents for your risk profile
Customize thresholds and workflows
Week 9-10
Validation & Testing
Run parallel testing with historical data
Validate audit trail completeness
Fine-tune for your risk appetite
Week 11-12
Training & Go-Live
Empower your team with no-code tools
Launch full production monitoring
Establish continuous optimization process
Week 1-2
Readiness Assessment
Evaluate current ACH monitoring capabilities
Document gaps and requirements
Design custom implementation plan
Week 3-5
Integrations & Data Fabric
Connect to your core banking systems
Enable unified data fabric across sources
Configure pre-built integrations
Week 6-8
Model & Rule Activation
Deploy NACHA-specific detection rules
Activate AI agents for your risk profile
Customize thresholds and workflows
Week 9-10
Validation & Testing
Run parallel testing with historical data
Validate audit trail completeness
Fine-tune for your risk appetite
Week 11-12
Training & Go-Live
Empower your team with no-code tools
Launch full production monitoring
Establish continuous optimization process
Week 1-2
Readiness Assessment
Evaluate current ACH monitoring capabilities
Document gaps and requirements
Design custom implementation plan
Week 3-5
Integrations & Data Fabric
Connect to your core banking systems
Enable unified data fabric across sources
Configure pre-built integrations
Week 6-8
Model & Rule Activation
Deploy NACHA-specific detection rules
Activate AI agents for your risk profile
Customize thresholds and workflows
Week 9-10
Validation & Testing
Run parallel testing with historical data
Validate audit trail completeness
Fine-tune for your risk appetite
Week 11-12
Training & Go-Live
Empower your team with no-code tools
Launch full production monitoring
Establish continuous optimization process
Week 1-2
Readiness Assessment
Evaluate current ACH monitoring capabilities
Document gaps and requirements
Design custom implementation plan
Week 3-5
Integrations & Data Fabric
Connect to your core banking systems
Enable unified data fabric across sources
Configure pre-built integrations
Week 6-8
Model & Rule Activation
Deploy NACHA-specific detection rules
Activate AI agents for your risk profile
Customize thresholds and workflows
Week 9-10
Validation & Testing
Run parallel testing with historical data
Validate audit trail completeness
Fine-tune for your risk appetite
Week 11-12
Training & Go-Live
Empower your team with no-code tools
Launch full production monitoring
Establish continuous optimization process
Week 1-2
Readiness Assessment
Evaluate current ACH monitoring capabilities
Document gaps and requirements
Design custom implementation plan
Week 3-5
Integrations & Data Fabric
Connect to your core banking systems
Enable unified data fabric across sources
Configure pre-built integrations
Week 6-8
Model & Rule Activation
Deploy NACHA-specific detection rules
Activate AI agents for your risk profile
Customize thresholds and workflows
Week 9-10
Validation & Testing
Run parallel testing with historical data
Validate audit trail completeness
Fine-tune for your risk appetite
Week 11-12
Training & Go-Live
Empower your team with no-code tools
Launch full production monitoring
Establish continuous optimization process
Compliance today. Competitive advantage tomorrow.
Meeting NACHA requirements is just the beginning. Oscilar's unified platform delivers ongoing value across your entire risk operation.
Compliance today. Competitive advantage tomorrow.
Meeting NACHA requirements is just the beginning. Oscilar's unified platform delivers ongoing value across your entire risk operation.
Compliance today. Competitive advantage tomorrow.
Meeting NACHA requirements is just the beginning. Oscilar's unified platform delivers ongoing value across your entire risk operation.
Compliance today. Competitive advantage tomorrow.
Meeting NACHA requirements is just the beginning. Oscilar's unified platform delivers ongoing value across your entire risk operation.
Compliance today. Competitive advantage tomorrow.
Meeting NACHA requirements is just the beginning. Oscilar's unified platform delivers ongoing value across your entire risk operation.
Operational Efficiency
40% lower fraud operations costs
70% faster case investigations
80% reduction in SAR processing time
2-3 hours saved per analyst per day on false alerts
40% lower fraud operations costs
70% faster case investigations
80% reduction in SAR processing time
2-3 hours saved per analyst per day on false alerts
40% lower fraud operations costs
70% faster case investigations
80% reduction in SAR processing time
2-3 hours saved per analyst per day on false alerts
40% lower fraud operations costs
70% faster case investigations
80% reduction in SAR processing time
2-3 hours saved per analyst per day on false alerts
40% lower fraud operations costs
70% faster case investigations
80% reduction in SAR processing time
2-3 hours saved per analyst per day on false alerts
Better Detection
36%+ improvement in fraud catch rates
90%+ reduction in false positives
Real-time alerts for emerging threat patterns
Cross-channel visibility (ACH, wire, RTP, card)
36%+ improvement in fraud catch rates
90%+ reduction in false positives
Real-time alerts for emerging threat patterns
Cross-channel visibility (ACH, wire, RTP, card)
36%+ improvement in fraud catch rates
90%+ reduction in false positives
Real-time alerts for emerging threat patterns
Cross-channel visibility (ACH, wire, RTP, card)
36%+ improvement in fraud catch rates
90%+ reduction in false positives
Real-time alerts for emerging threat patterns
Cross-channel visibility (ACH, wire, RTP, card)
36%+ improvement in fraud catch rates
90%+ reduction in false positives
Real-time alerts for emerging threat patterns
Cross-channel visibility (ACH, wire, RTP, card)
Business Growth
20%+ increase in approval rates for legitimate customers
Reduced customer friction through intelligent risk-based authentication
Faster time-to-market for new payment products
Unified platform eliminates vendor sprawl
20%+ increase in approval rates for legitimate customers
Reduced customer friction through intelligent risk-based authentication
Faster time-to-market for new payment products
Unified platform eliminates vendor sprawl
20%+ increase in approval rates for legitimate customers
Reduced customer friction through intelligent risk-based authentication
Faster time-to-market for new payment products
Unified platform eliminates vendor sprawl
20%+ increase in approval rates for legitimate customers
Reduced customer friction through intelligent risk-based authentication
Faster time-to-market for new payment products
Unified platform eliminates vendor sprawl
20%+ increase in approval rates for legitimate customers
Reduced customer friction through intelligent risk-based authentication
Faster time-to-market for new payment products
Unified platform eliminates vendor sprawl
Future-Ready Infrastructure
No-code agility allows same-day rule updates
Continuous AI learning adapts to new fraud tactics
Scalable architecture grows with your institution
Open API ecosystem integrates with your existing stack
No-code agility allows same-day rule updates
Continuous AI learning adapts to new fraud tactics
Scalable architecture grows with your institution
Open API ecosystem integrates with your existing stack
No-code agility allows same-day rule updates
Continuous AI learning adapts to new fraud tactics
Scalable architecture grows with your institution
Open API ecosystem integrates with your existing stack
No-code agility allows same-day rule updates
Continuous AI learning adapts to new fraud tactics
Scalable architecture grows with your institution
Open API ecosystem integrates with your existing stack
No-code agility allows same-day rule updates
Continuous AI learning adapts to new fraud tactics
Scalable architecture grows with your institution
Open API ecosystem integrates with your existing stack
"Oscilar supports SoFi's ability to make swift and accurate risk decisions and serve our members' needs. We can easily launch and iterate new policies and adapt with unprecedented speed."
Adam Colclasure
Sr. Director of Risk Data & Decisioning
"Oscilar supports SoFi's ability to make swift and accurate risk decisions and serve our members' needs. We can easily launch and iterate new policies and adapt with unprecedented speed."
Adam Colclasure
Sr. Director of Risk Data & Decisioning
"Oscilar supports SoFi's ability to make swift and accurate risk decisions and serve our members' needs. We can easily launch and iterate new policies and adapt with unprecedented speed."
Adam Colclasure
Sr. Director of Risk Data & Decisioning
"Oscilar supports SoFi's ability to make swift and accurate risk decisions and serve our members' needs. We can easily launch and iterate new policies and adapt with unprecedented speed."
Adam Colclasure
Sr. Director of Risk Data & Decisioning
"Oscilar supports SoFi's ability to make swift and accurate risk decisions and serve our members' needs. We can easily launch and iterate new policies and adapt with unprecedented speed."
Adam Colclasure
Sr. Director of Risk Data & Decisioning
"With Oscilar, we can update rules and implement changes faster than with any other platform we've seen. This responsiveness is invaluable, particularly when it comes to adapting to new regulations. Oscilar is a fintech company doing things the right way, giving us the tools we need to grow confidently in this rapidly changing space."
Michael Kozub
CEO
"With Oscilar, we can update rules and implement changes faster than with any other platform we've seen. This responsiveness is invaluable, particularly when it comes to adapting to new regulations. Oscilar is a fintech company doing things the right way, giving us the tools we need to grow confidently in this rapidly changing space."
Michael Kozub
CEO
"With Oscilar, we can update rules and implement changes faster than with any other platform we've seen. This responsiveness is invaluable, particularly when it comes to adapting to new regulations. Oscilar is a fintech company doing things the right way, giving us the tools we need to grow confidently in this rapidly changing space."
Michael Kozub
CEO
"With Oscilar, we can update rules and implement changes faster than with any other platform we've seen. This responsiveness is invaluable, particularly when it comes to adapting to new regulations. Oscilar is a fintech company doing things the right way, giving us the tools we need to grow confidently in this rapidly changing space."
Michael Kozub
CEO
"With Oscilar, we can update rules and implement changes faster than with any other platform we've seen. This responsiveness is invaluable, particularly when it comes to adapting to new regulations. Oscilar is a fintech company doing things the right way, giving us the tools we need to grow confidently in this rapidly changing space."
Michael Kozub
CEO
FAQ
Common questions
FAQ
Common questions
FAQ
Common questions
FAQ
Common questions
FAQ
Common questions
Do we need to block every suspicious transaction in real-time?
No. NACHA requires layered, risk-based monitoring—not 100% real-time blocking. Oscilar's approach combines automated detection with intelligent escalation, allowing you to apply proportional friction based on risk levels.
Do we need to block every suspicious transaction in real-time?
No. NACHA requires layered, risk-based monitoring—not 100% real-time blocking. Oscilar's approach combines automated detection with intelligent escalation, allowing you to apply proportional friction based on risk levels.
Do we need to block every suspicious transaction in real-time?
No. NACHA requires layered, risk-based monitoring—not 100% real-time blocking. Oscilar's approach combines automated detection with intelligent escalation, allowing you to apply proportional friction based on risk levels.
Do we need to block every suspicious transaction in real-time?
No. NACHA requires layered, risk-based monitoring—not 100% real-time blocking. Oscilar's approach combines automated detection with intelligent escalation, allowing you to apply proportional friction based on risk levels.
Do we need to block every suspicious transaction in real-time?
No. NACHA requires layered, risk-based monitoring—not 100% real-time blocking. Oscilar's approach combines automated detection with intelligent escalation, allowing you to apply proportional friction based on risk levels.
How does Oscilar handle both ODFI and RDFI requirements?
Our platform includes specific detection logic for both origination and receipt flows, including SEC code validation, velocity monitoring, beneficiary verification, and dormant account alerts.
How does Oscilar handle both ODFI and RDFI requirements?
Our platform includes specific detection logic for both origination and receipt flows, including SEC code validation, velocity monitoring, beneficiary verification, and dormant account alerts.
How does Oscilar handle both ODFI and RDFI requirements?
Our platform includes specific detection logic for both origination and receipt flows, including SEC code validation, velocity monitoring, beneficiary verification, and dormant account alerts.
How does Oscilar handle both ODFI and RDFI requirements?
Our platform includes specific detection logic for both origination and receipt flows, including SEC code validation, velocity monitoring, beneficiary verification, and dormant account alerts.
How does Oscilar handle both ODFI and RDFI requirements?
Our platform includes specific detection logic for both origination and receipt flows, including SEC code validation, velocity monitoring, beneficiary verification, and dormant account alerts.
What if we already have a fraud detection system?
Oscilar can complement existing systems or serve as a complete replacement. Our Fast Track assessment identifies the most efficient path for your institution, whether that's integration or modernization.
What if we already have a fraud detection system?
Oscilar can complement existing systems or serve as a complete replacement. Our Fast Track assessment identifies the most efficient path for your institution, whether that's integration or modernization.
What if we already have a fraud detection system?
Oscilar can complement existing systems or serve as a complete replacement. Our Fast Track assessment identifies the most efficient path for your institution, whether that's integration or modernization.
What if we already have a fraud detection system?
Oscilar can complement existing systems or serve as a complete replacement. Our Fast Track assessment identifies the most efficient path for your institution, whether that's integration or modernization.
What if we already have a fraud detection system?
Oscilar can complement existing systems or serve as a complete replacement. Our Fast Track assessment identifies the most efficient path for your institution, whether that's integration or modernization.
How quickly can we see ROI?
Most institutions see measurable fraud reduction and operational efficiency gains within the first month of production. Cost savings from reduced manual review and false positives typically deliver 3-5x ROI in year one.
How quickly can we see ROI?
Most institutions see measurable fraud reduction and operational efficiency gains within the first month of production. Cost savings from reduced manual review and false positives typically deliver 3-5x ROI in year one.
How quickly can we see ROI?
Most institutions see measurable fraud reduction and operational efficiency gains within the first month of production. Cost savings from reduced manual review and false positives typically deliver 3-5x ROI in year one.
How quickly can we see ROI?
Most institutions see measurable fraud reduction and operational efficiency gains within the first month of production. Cost savings from reduced manual review and false positives typically deliver 3-5x ROI in year one.
How quickly can we see ROI?
Most institutions see measurable fraud reduction and operational efficiency gains within the first month of production. Cost savings from reduced manual review and false positives typically deliver 3-5x ROI in year one.
What happens after we achieve compliance?
Compliance is the foundation. Oscilar's AI agents continuously learn and adapt, providing ongoing protection against evolving threats while giving your team no-code tools to refine rules as your risk profile changes.
What happens after we achieve compliance?
Compliance is the foundation. Oscilar's AI agents continuously learn and adapt, providing ongoing protection against evolving threats while giving your team no-code tools to refine rules as your risk profile changes.
What happens after we achieve compliance?
Compliance is the foundation. Oscilar's AI agents continuously learn and adapt, providing ongoing protection against evolving threats while giving your team no-code tools to refine rules as your risk profile changes.
What happens after we achieve compliance?
Compliance is the foundation. Oscilar's AI agents continuously learn and adapt, providing ongoing protection against evolving threats while giving your team no-code tools to refine rules as your risk profile changes.
What happens after we achieve compliance?
Compliance is the foundation. Oscilar's AI agents continuously learn and adapt, providing ongoing protection against evolving threats while giving your team no-code tools to refine rules as your risk profile changes.
How does pricing work? ROI can we expect from Oscilar AI?
Oscilar offers flexible pricing based on transaction volume and use cases. Contact us for a custom quote and ROI projection based on your institution's specific needs.
How does pricing work? ROI can we expect from Oscilar AI?
Oscilar offers flexible pricing based on transaction volume and use cases. Contact us for a custom quote and ROI projection based on your institution's specific needs.
How does pricing work? ROI can we expect from Oscilar AI?
Oscilar offers flexible pricing based on transaction volume and use cases. Contact us for a custom quote and ROI projection based on your institution's specific needs.
How does pricing work? ROI can we expect from Oscilar AI?
Oscilar offers flexible pricing based on transaction volume and use cases. Contact us for a custom quote and ROI projection based on your institution's specific needs.
How does pricing work? ROI can we expect from Oscilar AI?
Oscilar offers flexible pricing based on transaction volume and use cases. Contact us for a custom quote and ROI projection based on your institution's specific needs.
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Let's talk NACHA.
Let's talk NACHA.
Schedule a compliance assessment to evaluate your readiness and create a custom roadmap.
Schedule a compliance assessment to evaluate your readiness and create a custom roadmap.
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