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ACH Reviews

Make your annual ACH audit easy, accurate, and insightful. We deliver more than a report—we deliver clarity, compliance, and lasting value.

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Trusted ACH Audit Services for a Complex Payments Landscape

Annual ACH reviews are a regulatory must, but they don’t have to be a headache. Whether you’re a bank, fintech, or third-party sender, we help you navigate ACH rules with precision, clarity, and speed.

Saltmarsh helps organizations meet their ACH audit obligations with confidence. Our team blends deep payments experience with a responsive, service-first approach that makes the process smooth and efficient. As the payments landscape evolves, we also support institutions exploring FedNow and real-time rails, ensuring your operational reviews keep pace with emerging platforms.


ACH Reviews Backed by Real-World Payments Insight

We approach ACH reviews the same way we approach all our work: practical, thorough, and informed by real-world experience. Our reviewers include seasoned professionals with extensive backgrounds in banking and payments and years of experience supporting financial institutions, fintechs, and third-party senders.

Clients turn to us not just because we know the rules, but because we know how to apply them in context. We don’t just check the boxes; we help you understand the why behind each requirement, identify risks early, and serve as an ongoing resource long after the report is delivered.

Whether you're preparing for your first audit or looking for a new review partner, Saltmarsh offers a better way to meet your obligations, with fast turnaround, clear communication, and experts who are easy to work with.

 

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Asset Liability Management Review
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Trust Operations & Fiduciary Responsibilities
Advisory, Training, and Coaching
 

 

Our ACH Review Services

We perform ACH reviews and risk assessments for a wide range of organizations, delivering audits that are timely, tailored, and regulator-ready. Our services include:

Annual ACH Audit (NACHA-Compliant)

Fulfill your yearly obligation under NACHA rules with a comprehensive, independent review of your ACH operations and controls.

ACH Risk Assessments

Evaluate your institution’s exposure across origination, receipt, processing, and settlement to ensure alignment with internal policies and NACHA expectations.

Third-Party Sender Reviews

Assess compliance for payroll companies, fintechs, and other non-bank entities acting as senders on behalf of clients.

Fintech ACH Reviews

Support for embedded finance platforms, payment processors, and neobanks operating in the ACH space.

Real-Time Payments & FedNow Readiness

Guidance and early-stage assessments for institutions exploring or launching faster payment options.

Fedwire Operational Reviews

Targeted reviews for institutions involved in wire transfers and high-value payments across the Federal Reserve’s network.

Follow-Up Consulting & Advisory Support

We don’t disappear after the audit. Our team is available year-round to answer questions, clarify expectations, and help you manage change.

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People and Practices. The team is well trained, knowledgeable, experienced, accessible, and demonstraates good communication skills. Fieldwork, deliverables and presentations are first class. Our team at the bank always has good dialogue with Saltmarsh, and we learn something with each engagement.
Piedmont Federal Savings Bank NC

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Get the Most Recent Updates at a Glance

Recent & Upcoming Regulatory Compliance Changes – Quarterly Update

This document includes concise summaries of the most material developments over the past quarter. It’s ideal for those who need a quick, focused view of what’s changed since the last report.

What’s inside:

  • Key updates from CFPB, OCC, FDIC, FRB, and HUD
  • Effective dates and impact levels
  • Hyperlinked citations to original rules
  • Summaries of rescinded, vacated, or delayed provisions

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More Than a Requirement—An Opportunity

An ACH audit may be mandatory, but it doesn’t have to feel like a chore. For many of our clients, it’s an entry point to a longer-term relationship: one built on responsiveness, trust, and deep institutional knowledge.

Because we specialize in compliance and risk across multiple domains, our ACH review clients often continue working with us for broader advisory support. And because ACH obligations apply to many who don’t realize it, especially in the fintech and third-party space, our goal is to make compliance approachable, understandable, and useful.

It’s this combination of technical precision, practical insight, and continuity that sets us apart, and it’s why clients trust us as a long-term partner in building and sustaining effective internal audit programs.

Meet the Team

Behind every ACH review is a specialist who understands the details. Our team combines technical depth, real-world payments experience, and a commitment to client service that goes beyond the audit itself.

Stogniew, Kristen-1

Kristen Stogniew, Esq., CFE

Shareholder

Kristen is a shareholder and leader of Saltmarsh’s Financial Institution Consulting practice, with over 25 years of experience advising banks, credit unions, and fintechs on legal, operational, and compliance matters. She also provides tailored training, mentorship, and facilitates user groups across key systems and risk areas.

Keith, Jason

Jason Keith, CIA, CISA

Senior Technology Risk Consultant

Jason is a senior technology risk consultant with 18 years of experience in financial institutions. He specializes in technology solutions and has served in roles spanning compliance, lending, operations, audit, and IT leadership.

OBrien, Sallie

Sallie O’Brien, AAP, APRP

Senior Consultant

Sallie is a senior consultant with over 19 years of experience in financial services. She specializes in risk-based Nacha compliance audits and ACH consulting, with additional expertise in payments education and third-party provider compliance.

Maricelli, Michael

Michael Maricelli, CIA, AAP, CISA

Senior Consultant

Michael is a senior consultant with over 14 years of experience in financial institutions. He specializes in information security, Nacha compliance audits, third-party risk, and online banking assessments, with a background in lending and internal audit.

Fyda, Charlene

Charlene Fyda, CISA

Senior Consultant

Charlene is a senior IT consultant with over 22 years of experience in financial services. She performs information security reviews and supports vulnerability assessments, drawing on her background as a former bank network administrator and her specialized certifications.

Let’s Talk

Need an ACH audit or some other form of payment review? We’re here to help. Reach out today to connect with our ACH specialists and get the clarity you need to move forward with confidence.

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