Checking "rules" in Java without lots of if statements

I'm creating a springboot banking API and in order to create a transaction a bunch of "rules" have to be checked.

e.g:

• Current logged in user can't withdraw money from another user's savings account

• Amount can't be higher/lower than certain number

• etc.

This causes my createTransaction method to contain a lot of if statements (12!). This is what my code looks like in pseudo:

public ResponseEntity<String> createTransaction(Transaction body) {
    if (check rule 1) {
        return ResponseEntity.status(HttpStatus.BAD_REQUEST).body("...");
    }
    if (check rule 2) {
        return ResponseEntity.status(HttpStatus.BAD_REQUEST).body("...");
    }
    // etc...

    // Transaction complies to set rules
    return ResponseEntity.status(HttpStatus.CREATED).body("Transaction successful!");
}

I can post my actual code if necessary but I think this paints the picture without having anyone to read 100 lines of code.

Because I have around 12 if statements checking these rules, my function is quite lengthy and difficult to read/maintain. Googling for a solution didn't bring up results I was looking for. I've tried implementing exceptions but this didn't remove the amount of if statements. Maybe a switch could improve a bit, but I'm wondering if there's a clean OOP solution.

My question is: How can I clean this code up (OOP style)?

Thanks in advance.