ArielIQ scores every ACH transaction before submission — six dimensions of ML-powered risk intelligence, NACHA-grounded decisions, and actual delivery estimates. Built for the institutions that can't afford a miss.
Large banks spent $10M+ building internal ML systems that score ACH risk in real time. Community institutions are left with static rules written a decade ago — and the NACHA penalties are the same regardless of size.
Per-item costs range from $25 to $75 in direct processing expense — before investigation time, customer friction, or the legal exposure on unauthorized returns begins.
Exceed it and your institution faces enforcement action. NACHA fines reach $500,000 per violation — and most institutions don't know their real-time unauthorized return rate until it's too late.
The published threshold every ODFI must stay below. The industry average is 8–12%. Without pre-submission scoring, you are managing this number reactively — with returns you could have blocked.
Submit a transaction payload before it enters the ACH network. Get back everything your operations team needs to make a confident, defensible decision.
SEC code, amount, timing, account history, originator relationship, balance signal, velocity. Standard fields your core system already has.
ML ensemble model plus five rule-based dimensions — each calibrated to published NACHA return data. Response in under 50ms.
Flag tier with recommended action, NACHA rule citation, delivery estimate with an actual date and time, cost estimate, and escalation path.
Every score maps to an actionable tier. Every tier cites a specific NACHA rule. Your team gets a defensible recommendation — not a number to interpret.
Results reported as mean performance with worst-case floor — the number we guarantee. Not cherry-picked. Every metric is reproducible on your data during the pilot.
Institutions large enough to face real NACHA threshold exposure. Small enough that a $10M ML build isn't on the roadmap. That gap is exactly where ArielIQ operates.
Your return rates are visible to regulators. Pre-submission scoring gives you control over the number — not just visibility into it after the fact.
One unauthorized return cluster can push you past the 0.5% threshold. ArielIQ flags the exposure before submission — with the specific NACHA rule citation your examiners will ask for.
ArielIQ is priced at 10% of demonstrated gross savings. If we don't show positive net savings on your actual data during the pilot — you never pay. The ROI is the contract.
We backtest ArielIQ against your anonymized historical ACH transactions. You see the exact returns we would have caught, the savings, and the ROI — before you spend a dollar.
5 pilot slots remaining · Responses within 48 hours
No flat SaaS fee. No seats. No enterprise negotiation. ArielIQ costs 10% of gross savings demonstrated on your data — with a floor and ceiling. If you don't save, you don't pay.
| Institution Size | ArielIQ / mo | Net Savings / mo | ROI |
|---|---|---|---|
| $300M assets | $1,500 | $12,500 | 9.3x |
| $500M assets | $2,600 | $23,400 | 10x |
| $1B assets | $5,600 | $50,400 | 10x |
| $2B assets | $11,200 | $100,800 | 10x |
Kathryn Perry, PhD Candidate
PhD Candidate in Machine Learning · University of Texas at San Antonio
Tell us about your institution. We'll set up a 30-minute call to scope the pilot and confirm fit — no sales process, no deck. Just your data and ours.
Within one business day
San Antonio, TX · Remote pilot delivery nationwide
We'll follow up within one business day to schedule a scoping call. Check your inbox — it will come from kathrynperry@arieliq.com.