The AI-native assurance firm for companies that move money
We complete the audits and independent testing fintechs and banks are required to perform every year.
Our experts make the calls. The software does the legwork.
The ACH Audit
Connect your systems, and the audit fills itself in
Every answer shows its source
The report it came from, the policy it cites, the date it was pulled. Nothing to dig up, and nothing to take on faith.
It tells you what it can't answer
Where your data doesn't answer a question, Clusia explains why. No silent guesses, and nothing you can't defend.
Reviewed by experts
An AAP-accredited professional checks every answer against its evidence and signs. Flat fee, quoted upfront.
Clusia reads from the systems your answers already live in. Don't want to connect? Upload documents instead, or answer the audit questions yourself.
How it works
Four steps to a signed audit
Connect the platforms you already use.
Authenticate once with read-only access you can revoke at any time. Prefer not to connect? Upload documents or answer directly.
Clusia drafts the audit.
It answers every question it can defend, source attached. Gaps come back as a punch list — what's missing, and what closes it.
Your team confirms.
Review the drafts, fill the gaps, and route questions to whoever owns them with just an email.
A U.S.-based AAP reviews and signs.
Accredited professionals check every answer against its evidence. You get a certificate and full report, on file for six years.
Built for the standard you're held to
Audit-ready is the resting state: every decision attributed, permissioned, and referenceable on-demand.
Your questions answered upfront
Yes. It covers the Nacha Operating Rules requirements for your participant type and SEC codes, produces findings and recommendations, and ends with a signed statement of completion — the proof of audit your sponsor bank asks for and you're required to retain for six years.