In this discussion, James Rowe and Nanci McKenzie from Affirmative Technologies share their expertise in ACH processing and risk management. They dive into the importance of ACH risk monitoring and the need for predictive models to evaluate originator risks. The duo also introduces their innovative ACH risk scoring tool, akin to a FICO score, to help financial institutions manage unauthorized transaction risks effectively. Key insights revolve around regulatory expectations and the evolution of risk management in the fast-paced payments landscape.