2026 ACH Risk Assessment Workbook - For Depository Financial Institutions

A professional, risk‑based workbook designed to help financial institutions evaluate and strengthen ACH risk management across governance, origination, receipt, and operational resilience.

Built by ACH and payments risk practitioners, this workbook aligns with Nacha Rules, regulatory guidance, and industry best practices and uses a dual‑rating methodology to clearly distinguish between ACH risk exposure and control effectiveness.

The workbook supports management and Board‑ready reporting, promotes consistent and defensible risk assessments, and is suitable for all financial institutions.

Licensed for one institution and one risk assessment.

✔ Comprehensive checklist to help prepare

✔ Easy to use

✔ ODFI risks and RDFI risks are broken down into separate sections

✔ Results automatically generate into a Final Report

✔ Built by ACH experts for real-world use

🚨NEW - Includes an Attestation of Completion Letter that institutions may use to formally document completion of the risk assessment.

Whether you're performing your annual risk assessment or strengthening internal controls, this workbook provides a clear, efficient framework to support your ACH risk management process.

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