For fintechs
The annual audit your sponsor bank asks for, without the annual scramble.
If you originate ACH entries, or send them on behalf of others, the Nacha Operating Rules require an annual audit of your compliance. Eviqly drafts it from the systems you already run, routes the gaps to your team, and delivers a report signed by an accredited professional.
Built for lean compliance teams
Most fintechs have one or two people who own compliance alongside everything else. Eviqly is designed so the audit does not become their only job for six weeks.
- Draft responses generated from your ledger, payment processor exports, vendor logs, and policy documents
- Gaps turned into a punch list and routed to engineering, treasury, or risk — whoever actually owns the fix
- A single, sponsor-ready report your ODFI can accept without re-work
- Evidence that persists year over year, so next cycle starts from a confirmed baseline
Typical timeline
Week 1 — scoping, access or uploads.
Week 2 — draft delivered, punch list opened.
Weeks 2–3 — your team clears gaps.
Week 4 — AAP review and signed report.
Timelines vary with the number of open gaps and how quickly evidence is provided.
Who this is for
Participant types we serve on the fintech side.
Originators
Companies that originate ACH debits or credits under an agreement with an ODFI — payroll, lending, billing, marketplaces, and embedded-finance products.
Third-Party Senders
Platforms that originate entries on behalf of their own customers. Includes the added obligations for customer due diligence, Nested TPS oversight, and registration.
Third-Party Service Providers
Processors and technology providers performing ACH functions for Originators or banks, audited for the functions they perform.
Common gaps we see
Where fintech audits usually stall.
Incomplete vendor logs
Account-validation or fraud-screening vendors whose exports don’t cover the full review period. Eviqly flags the exact missing window rather than accepting a partial file.
Policies without thresholds
Return-rate or exposure policies that describe monitoring but never state the limits. The gap is routed to Risk with a note on what the policy needs to say.
Authorization retention
Electronic authorizations stored, but no documented retention period or retrieval procedure for the two-year requirement.
Undocumented change history
Controls that exist in code but have no dated policy or approval behind them, leaving the auditor unable to show when they took effect.
Start your next cycle early.
Send us your participant type, SEC codes, and audit due date. We’ll come back with a scope and a first-draft preview.