Fraud & anomaly detection

Fraud and anomaly detection is an automation that watches your financial transactions, AP payments, expenses, payroll changes, refunds, and bank activity, learns what is normal for your business, and flags the odd ones for a person to review. It catches the specific shapes fraud and error take: a vendor bank-detail change, a duplicate payment, an out-of-pattern expense, a payment sized just under an approval threshold, an unexpected payroll edit. It is an extra set of eyes that never sleeps, watching every channel money moves through, so the odd transaction gets a second look before or right after it clears instead of surfacing weeks later at reconciliation, if at all.

Your bank and accounting tools send alerts on their own narrow view: your bank sees bank activity, your card tool sees card spend, your bill-pay tool sees bills. None of them see across all of it, and most fire on fixed rules like a dollar threshold rather than what is unusual for you. This sits across every channel at once and learns your actual patterns, so it catches the cross-channel odd ones a single tool misses: a vendor whose bank details changed right before a large payment, a duplicate that clears because it went out two different ways, a payment sized deliberately just under your approval line. It is not a replacement for your controls or your accountant. It is a layer that watches everything together and flags what does not fit.

No. It flags, it does not act. When something looks off, it routes the transaction to a named person with the reason attached and, where the timing allows, holds it for review before it clears. A human decides every time: release it, hold it, or investigate. It never blocks a payment, freezes an account, or reverses a transaction on its own. This is deliberate. The system's job is to make sure the odd transaction gets seen by the right person at the right moment, not to take money decisions out of human hands. You keep your existing approval flow and controls; this adds a watchful second look on top of them.

That balance is the whole game, and it is where the setup work goes. A system tuned too sensitive flags every slightly-unusual payment until people stop reading the alerts, which is worse than no system, and one tuned too loose misses the transaction that mattered. So it is tuned against your real transaction history during setup to learn your genuine normal, which keeps flags rare enough that people actually act on them and real enough to be worth acting on. It will still occasionally flag something that turns out fine on review, which is the safe direction to err, and no system catches everything. It is an extra set of eyes, not a guarantee, and a person always makes the final call.

On the accounting side, QuickBooks, Xero, and NetSuite. For payments and spend, bill-pay and card tools like Bill.com, Ramp, and Expensify, plus your bank feeds. For payroll, platforms like Gusto and Rippling, so payroll edits get watched too. Refunds can be read from Stripe and your support or e-commerce tools. Flags get routed to Slack or email so the right person sees them fast. Most tools with an API can be added. The audit maps your exact stack and confirms where money actually moves through your business before anything is built.

Usually two to three weeks. The first days go to connecting your channels and pulling in enough transaction history for the system to learn your normal: your usual vendors, amounts, approvers, and patterns. Then it runs against your live transactions with a person reviewing the flags, so the sensitivity gets tuned to your business before you rely on it. That tuning window is what keeps flags rare and real rather than a flood of noise. You are watching transactions early, and the weeks of tuning are what make the alerts worth reading.

Two parts. Tooling runs as a monthly cost for the monitoring and processing, usually a range that scales with how many transactions and channels you watch. Implementation is a fixed scope, quoted once the audit maps where your money moves and what your normal looks like, so you are pricing a defined build rather than an open-ended retainer. The audit itself is where the scope and price get set against every other opportunity in your business, so you are not guessing at the effort up front. Set against a single fraudulent payment that clears and cannot be recovered, the math usually makes itself.