ISO certification applies to all domestic and international ACH transactions processed through JPMorgan's state-of-the-art facility. The bank has a straight-through processing rate of 99 percent and maintains dual processing capabilities. Additionally, JPMorgan monitors the quality of transactions and customer satisfaction as a regular pattern of doing business. The firm also maintains dedicated remote contingency sites, which provide seamless operations and business continuity in the event of an emergency or disaster. The ACH system is the engine that is driving the new era of payments. As the ACH network has grown, safety and security have risen in importance. "The ACH network remains incredibly safe for all users, but the industry must stay vigilant and sustain the highest levels of safety and security to combat future threats to the network," added Vaream. "JPMorgan has taken a leadership role in maintaining the safety of the ACH network, and championing efforts to mitigate the risk of fraud within the system."