Abrigo has expanded its AI-powered Fraud Detection platform with a new real-time ACH fraud detection solution, enabling financial institutions to analyze ACH files upon arrival, prevent fraudulent transactions, and align with evolving Nacha risk management requirements.
Quick Intel
Abrigo, a leading provider of compliance, credit risk, and lending solutions for financial institutions, announced the launch of Abrigo Fraud Detection for ACH. This new module extends the AI-powered Abrigo Fraud Detection platform to deliver real-time, data-driven protection across both ACH origination and receipt channels.
"With this new solution, we’re giving financial institutions greater intelligence and automation so they can stop fraudulent transactions before they impact customers,” said Ravi Nemalikanti, Chief Product & Technology Officer at Abrigo.
The solution strengthens institutions’ ability to prevent fraud losses, protect customer accounts, and comply with the 2026 Nacha risk management framework for ACH fraud. It analyzes incoming ACH files in real time to detect suspicious patterns—such as mule accounts, fan-out distributions, and anomalous timing—before transactions settle.
ACH Network activity continues to surge, creating greater exposure to fraud. In the third quarter of 2025, the network processed 8.8 billion payments valued at $23.2 trillion, reflecting year-over-year increases of 5.2% in volume and 8.2% in value. Same Day ACH showed even stronger growth through the first three quarters of 2025, with volume up 9.2% and value up 16.7%, according to Nacha.
“ACH activity continues to grow in volume, value, and complexity, and that expansion brings increased fraud exposure,” said Ravi Nemalikanti, Chief Product & Technology Officer at Abrigo. “With this new solution, we’re giving financial institutions greater intelligence and automation so they can stop fraudulent transactions before they impact customers.”
The ACH fraud detection release broadens platform scope significantly. Abrigo Fraud Detection now covers in-clearing and deposit check transactions, wire payments, and both ACH origination and receipt, with plans to support additional payment types in 2026.
Existing customers using the platform for check fraud prevention have reported strong outcomes, including detection rates exceeding 90% for fraudulent check values and return on investment achieved in under six months.
The new ACH capabilities unify data flows, apply real-time behavioral analytics, and support self-service rule configuration to speed detection. Features such as transaction-level case consolidation, optional account verification and customer confirmation, and comprehensive monitoring of origination and receipt activity help streamline reviews, minimize false positives, and meet rising Nacha fraud-detection standards.
Abrigo Fraud Detection forms a core component of Abrigo’s Financial Crime suite, which combines fraud detection, anti-money laundering, and sanctions/watchlist screening. The suite provides shared case management, integrated data sources, centralized reporting, and explainable AI to enable more effective risk management.
“Abrigo’s mission is to help financial institutions protect their customers and communities,” said Jay Blandford, Chief Executive Officer at Abrigo. “ACH fraud is accelerating, and financial institutions need fast, automated defenses. We are proud to deliver that protection to reduce fraud losses and support customer trust.”
Supported by Abrigo’s advisory services, implementation expertise, customer support, and a community of over 90,000 financial professionals, these solutions empower institutions to identify and mitigate suspicious activity with greater confidence.
About Abrigo
Abrigo is a leading provider of risk management, financial crime prevention, and lending software and services that help more than 2,400 financial institutions manage risk and drive growth in a rapidly changing world. We deliver transformational technology, product innovation, world-class support, and unparalleled expertise so our customers can face complex challenges and make big things happen.
TechIntelPro empowers B2B technology decision-makers with the latest industry trends, deep insights, leadership perspectives and actionable intelligence to drive both organizational and professional milestones—and thrive on the tech pulse.