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We invest in understanding who our clients are and develop solutions that are right-sized, and written in a vernacular that they understand, leveraging technology, not paper, to deliver a better audit and risk management experience and outcomes. Experience the OAS Difference.
Not every Third-Party Sender is the same, and neither are the options for ACH Compliance Audits. Not sure which OAS solution or service aligns with your compliance needs?
Use the Find Your Perfect Audit Calculator to discover all your options.
OAS is proud to showcase our flagship solutions that have been designed and developed specifically for Payroll Service Bureaus, Accountants, and Payroll Professionals. Our solutions translate Nacha terms into a language that you will understand, and that’s because we understand you!
OAS is a premier ACH Audit firm offering, not one, two, or three but four ACH Audit options for Third-Party Senders. Agile Audit & Risk Solutions, Simplified.
Our specialty is working with Third-Party Senders that have an ACH Origination Agreement directly with a Financial Institution to process ACH Entries on behalf of and for their downstream customers.
Nested Third-Party Senders have an Agreement directly with another Third-Party Sender to act on behalf of an Originator. The NTPS does not have an agreement directly with a financial institution.
Third-Party Service Providers provide ACH processing services on behalf of the Originator, Third-Party Sender, or financial institution.
Corporate Originators have an Origination Agreement directly with a financial institution or Third-Party Sender to transmit ACH entries to consumers and businesses accounts.
We partner directly with financial institutions and Third-Party Senders with nested Third-Party Sender relationships to ensure that their customers have access to best-in-class ACH audit and Risk Management Solutions.
FinTechs are not banks but offer banking services to consumers and businesses through their Financial Institution Partner/Program Manager.
Our flagship interactive online solution is designed to walk you through each step of the ACH audit. It’s packed with great resources, testing spreadsheets, and videos to break down the Rules and make the audit a manageable task for your team.
The Hybrid Plus ACH Audit was developed based on feedback from our Third-Party Sender clients, that wanted all that the IAS offers without testing. OAS’s Accredited ACH Professional (AAP) will review your internal control responses and complete all required testing.
Coming Soon!
We’ve performed hundreds of Full-Service Audits for a variety of Third-Party Senders, and Third-Party Service Providers for a variety of business models. The audit program includes all SEC codes and is tailored to align the Rules with your ACH processing activities.
The FinTech IAS is specifically designed for Financial Technology Companies that are not banks but operate as Third-Party Service Providers for the Financial Institution Partner/Program Manager.
An ACH Risk Assessment is a requirement for all Third-Party Senders and certain Third-Party Service Providers. OAS offers an industry-specific version for Payroll Service Bureaus and a Third-Party Sender/Provider ACH Risk Assessment template and companion video that walks you through the entire process.
Our clients ask, and we publish answers to their commonly asked questions in layman’s terms.
Don’t start from scratch if you are looking for a form or resource! As industry experts, we offer free downloadable forms and resources, so you won’t have to Google for them.
Optim ACH Solutions (OAS) specializes in providing ACH Risk and Audit Services specifically to businesses that move money electronically utilizing the ACH Network.
Observations from OAS on how an ACH audit or Risk Assessment can help your business even beyond simple regulatory compliance.
OAS is an Affiliate Member of Nacha, and Payroll Associations. Check out our Client’s experiences and what they’re saying!