As President and Founder of Optim, Debbie has held senior leadership positions throughout her career in audit, risk management, community banking, and payments. Her experience includes service with a payment association that, as a Direct Member of Nacha, helped shape the ACH Network and the Nacha Operating Rules.

Today, Optim is a member of Nacha’s Payments Innovation Alliance, a collaborative community of payments professionals, financial institutions, fintechs, and industry leaders dedicated to advancing innovation and addressing emerging trends in the payments industry.

Through this engagement—and decades of hands-on industry experience- we stay connected to evolving payments developments, regulatory changes, and ACH best practices, helping our clients strengthen compliance, manage risk, and navigate the payments landscape with confidence.

“At OAS, we believe compliance solutions should be accessible to every organization responsible for ACH audits and risk assessments, regardless of size or resources,” said Debbie Arai, Founder and Principal of OAS. “We developed our self-audit and risk assessment solutions to translate Nacha Rules into practical operational guidance, helping organizations understand not only what the Rules require, but how to apply them effectively within their business. Our modern, cloud-based platform delivers an interactive audit experience that guides users step-by-step through the process, eliminating the need to navigate complex Rule requirements on their own—we know the Rules, so our clients don’t have to. That’s what we mean when we say: Agile Audit & Risk Solutions, Simplified.”