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ACH Audits, Risk Assessments, & Advisory Services

Full-Service Engagements

Each engagement is customized to your ACH role, business model, risk profile, and processing activities to ensure compliance with the Nacha Operating Rules. Whether you are an Originator, Third-Party Sender, Nested Third-Party Sender, or Third-Party Service Provider, our review is tailored to your specific requirements. We identify control gaps, provide meaningful insights, and deliver practical recommendations and risk management guidance to strengthen your ACH compliance and risk management program.

ACH Consulting & Strategic Advisory Services

Leverage OAS consulting services for ACH compliance, risk management, and payment initiatives. Our team provides practical expertise to help you navigate ACH Rules, implement new processes, and strengthen internal controls.

Whether you need a trusted advisor for a specific project or ongoing compliance support, OAS can serve as an extension of your team.

Collaborative Risk Assessments

Our consultants work directly with internal stakeholders to facilitate risk assessment sessions, evaluate controls, and lead “what-if” scenario discussions that uncover potential vulnerabilities before they become costly issues. Through a collaborative approach, we help organizations better understand risk exposure, validate mitigation strategies, and build stronger governance frameworks.

 

Interested in receiving a quote?  

Complete our Request for Proposal Form below and provide details about your ACH audit, risk assessment, or consulting needs. Once submitted, an OAS expert will review your information, contact you to discuss your requirements, and provide a tailored proposal.

Request for Proposal (RFP)

Have Questions? Let’s Talk.

Want to discuss your ACH audit, risk assessment, or consulting needs with an expert?

Schedule a discovery call by completing our Contact Us form. One of our Accredited ACH Professionals (AAPs) will reach out to learn more about your organization, ACH payment activities, compliance requirements, and project objectives.

Our Client Experiences

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“Debbie is an outstanding ACH auditor. Professional, knowledgeable, and incredibly easy to work with. She provides clear guidance, responds quickly when questions arise, and genuinely cares about helping her clients succeed. Debbie's recommendations have strengthened our ACH program and helped our company continue to grow. I highly recommend her services.” 2026

Tom Sagi
Co-founder & CEO, Hourly, Inc.

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"5 STARS! Debbie and the team at Optim ACH Solutions turned what I thought would be a daunting, draining compliance requirement into an efficient, valuable learning experience. She helped us better understand NACHA rules and guided us through every step of the audit. Her systems are very detailed, yet easy to navigate. If you have never completed a NACHA audit, I highly recommend the full audit with Optim ACH!" 2026

Kelly Koester
CEO, Pay Day Payroll, Inc.

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Debbie has conducted our company's ACH Audit since 2023. I have worked with many different auditors on different subject matters, and Debbie is the best of the best. It is rare to find an expert who is not only a master of the material, but enjoyable to work with. The audit experience with Debbie is not simply going through and checking boxes, but a true discussion to help the company implement best practices and practical solutions.” 2026

Allison Daugherty
Compliance Officer, Hourly, Inc.

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"This was the most informed audit we've ever participated in. We learned more from this one audit than from all the other audits combined. Our goal is compliance and exceptional service for our clients, and this audit helped us achieve both." 2024

Carol Rogers
Owner, Millennium Payroll Solutions

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"Our experience with Optim ACH Solutions exceeded expectations. The audit process was efficient and low pressure, but the real value came from the advice and guidance we received. OAS genuinely wanted to help us grow as a company." 2024

Al Bothwell
CEO, Primepoint, LLC

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"Debbie is a talented, experienced, and dedicated auditor. She goes above and beyond to educate clients and has a true passion for her work." 2024

Asha Doshi
Senior Vice President, Finance, , Paymerang

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“OAS has performed our ACH Audit for the past four years. I appreciate that our relationship does not end when the service is performed - Debbie is always available to answer any questions we may have. We are grateful to have OAS as a resource, and it is a pleasure to work with Debbie.” 2024

Denis Diaz
Director of Treasury, United TranzActions

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"Optim ACH Solutions has been a valued partner to our organization. OAS is our go-to solution for all NACHA compliance requirements. Debbie is knowledgeable, professional, and thorough. She makes the audit process seamless and provides valuable feedback and guidance." 2024

David Longobardi
ACH Operations Manager, EFX

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"Beyond being seasoned NACHA subject-matter experts and ensuring our organization is compliant, OAS always strives to provide a stellar and seamless experience." 2024

Joseph Valdalez, CHC, CHPC, CCEP
Vice President, Compliance & Privacy, , PlanSource

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“OASNow, and in particular Debbie, has been wonderful to work with as our NACHA auditor. Since the inception of our ACH program, Debbie has not only done the basics of ensuring that our program is NACHA compliant but also provided us valuable guidance on upcoming requirements that we need to prepare for in the future. The entire audit process has been and continues to be very professional, and we view OASNow as a valuable resource in this process.” 2023

Frank Han
VP of Product, FastPay Payment Technologies, Inc.

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“Debbie from OAS has been fantastic to work with over the past two years. She has been instrumental in educating us about the ACH audit processes and procedures. Her wealth of knowledge has made the ACH audit process quick, easy, and painless.” 2023

Karen Douglas, CPA
Controller, Pro Star Energy Solutions, L.P.

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“Debbie has been an incredible partner for our payroll business. With her background, she has been able to provide a deeper level of knowledge on ACH risk management and NACHA compliance. I sleep better knowing I can always count on her to answer questions and provide insight on general best practices.” 2023

Diana Murray
Chief Executive Officer, Chief Executive Officer

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"OAS has conducted our ACH audits for several years. Debbie has provided outstanding advice and guidance with each review. The process has been professional and well-managed every time." 2023

Tim Scholten
Banking & Compliance, Spendr, Inc.

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"This was the most informed audit we've ever participated in. We learned more from this one audit than from all the other audits combined. Our goal is compliance and exceptional service for our clients, and this audit helped us achieve both." 2022

Carol Rogers
Owner, Millennium Payroll Solutions

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