Plaid has introduced Signal as a comprehensive payment risk platform designed to enhance the management of ACH payment risks using machine learning (ML) and no-code solutions. Signal, which has already facilitated decision-making for over $185 billion in payments, now offers businesses advanced tools such as intuitive rule templates, real-time balance checks, and explainable risk scores to better control and adapt to evolving fraud risks. Significant improvements have been made to Signal's ML models, increasing recall by over 140% and incorporating features specific to financial institutions and industry-specific transaction patterns. Signal has demonstrated its effectiveness by reducing ACH return losses by up to 80% for clients and unlocking substantial funds for others, all within Plaid's consumer-permissioned network that provides deep insights into account activity. The platform's integration with Plaid's Transfer solution further simplifies its implementation, offering businesses a no-code interface to manage payments with greater control and visibility. As payment risks become more sophisticated, Plaid is committed to making enterprise-grade risk management accessible and scalable for businesses of all sizes.