Flagright Joins Nacha as Preferred Partner to Bolster ACH Compliance and Fraud Prevention

Nacha has designated Flagright as a Nacha Preferred Partner for ACH Compliance, Fraud Monitoring, and Risk and Fraud Prevention. For fintech professionals, this partnership signals a deepening integration of AI-driven anomaly detection within the ACH Network, addressing the critical need for real-time risk mitigation as transaction volumes and sophisticated fraud tactics continue to escalate.

What was announced

Flagright has joined the Nacha Preferred Partner program, a group of organizations recognized for providing innovative products and services that support the ACH Network. The partnership focuses on Flagright’s transaction monitoring engine, which allows financial institutions and fintechs to oversee both incoming and outgoing payment activity. The system is designed to identify deviations from expected behavior and prioritize alerts based on an organization’s specific risk policies.

The technology evaluates ACH payments by analyzing multiple data points, including transaction and account behavior, payment amounts, and the history of both customers and counterparties. By utilizing machine-learning anomaly detection alongside customer-configured rules, the platform can flag specific patterns indicative of financial crime. These include the rapid movement of funds, unusual payment behavior, indicators of account takeover, mule activity, and multi-account abuse.

Currently, Flagright supports more than 100 customers across the financial services and payments sector. Its platform serves as an operating system that combines real-time and post-transaction monitoring, dynamic risk scoring, case management, and AI-assisted investigations. This allows banks, credit unions, and payment companies to manage the entire compliance workflow—from initial detection through to regulatory reporting—within a single governed environment.

"ACH is one of the most important payment systems in the United States, and its continued growth depends on fraud and compliance controls that can keep pace with changing criminal behavior without creating unnecessary friction for legitimate payments. Becoming a Nacha Preferred Partner gives Flagright a stronger forum to engage the payments community, share practical approaches to real-time, risk-based monitoring, and help institutions connect ACH fraud detection, AML controls, investigations, and governance in one operating system. We look forward to supporting a safer, more resilient ACH ecosystem."

Baran Özkan, Flagright Co-founder and CEO.

The companies involved

Nacha is the governing body for the ACH Network, the foundational payment system in the United States that facilitates Direct Deposits and Direct Payments. The scale of this network is immense; in 2025, the ACH Network processed 35.2 billion payments with a total value of $93 trillion. Nacha is responsible for developing the rules and standards that ensure interoperability and safety across all U.S. bank and credit union accounts, while also providing industry solutions, accreditation, and advisory services to a diverse range of stakeholders.

Flagright is a provider of AI-driven operating systems for financial crime compliance. The company specializes in merging fraud prevention and Anti-Money Laundering (AML) compliance across various payment rails, including ACH. Its platform is designed to be audit-ready, providing financial institutions with the tools to manage investigations and regulatory obligations. By focusing on the intersection of AI and compliance, Flagright aims to reduce the friction often associated with traditional fraud monitoring while maintaining rigorous security standards for the global payments ecosystem.

What FF News has reported before

FF News has previously covered Nacha’s efforts to modernize the perception and reach of the ACH Network, including reports on how Nacha Targets Gen Z with New ACH Campaign Highlighting Direct Deposit and Payment Benefits. Flagright has also been active in the compliance space, recently forming partnerships to enhance security for various financial models. This includes a collaboration where Payhawk Partners with Flagright to Bolster Global Spend Management with AI-Driven AML Compliance. Additionally, the company’s technology has been adopted within the digital asset sector, as seen when BTSE Selects Flagright to Power AI-Driven AML Compliance for Global Digital Asset Ecosystem. Other industry movements in account verification include when MassPay Launches MassPay Validate to Eliminate Payout Failures via Real-Time Account Verification.

What this means

This partnership highlights a significant shift in the ACH landscape toward proactive, AI-led defense mechanisms. As the ACH Network handles trillions of dollars annually, the pressure is mounting on legacy monitoring systems that often struggle with high false-positive rates and slow detection times. By endorsing AI-centric providers, Nacha is acknowledging that traditional rule-based systems may no longer be sufficient to combat modern mule activity and account takeovers. This move puts pressure on traditional compliance vendors to integrate more sophisticated machine learning or risk losing relevance. The central question for the industry remains whether these advanced tools can truly balance the need for rigorous AML oversight with the market's demand for frictionless, high-speed payments.