Bank Detail Change Fraud Agent
The Bank Detail Change Fraud Agent reviews every request to change supplier banking details, whether it arrives by email, letter or a bank confirmation letter. It checks for spoofed email domains, account holder mismatches, altered documents and urgency red flags, then routes suspicious changes for independent call-back verification before any payment is released.
Ideal forAccounts payable teams
The difference
From 45-60 minutes per request to 5-10 minutes
Your team verifies changes quickly and consistently, without delaying legitimate suppliers or exposing payment runs to fraud.
Done by hand
45-60 minutes per request
With the Vanine agent
5-10 minutes
Time returned to your team
85%
Indicative figures. We measure your own baseline in the first fortnight so the numbers you see are yours.
Close a costly fraud route
Business email compromise and fake bank letters are a well-known way criminals divert supplier payments in SA. The agent checks every change request, not just the ones that look suspicious.
A consistent control under pressure
Month-end payment runs create pressure to process changes quickly. The agent applies the same checks every time and holds risky changes until they are verified.
Proof for auditors and insurers
Every request, check and call-back is logged. You can show exactly how each change was verified if a payment is ever questioned.
Capabilities
Stop fraudulent bank detail changes before a single rand leaves your account.
Built for AP, vendor master, treasury and finance teams at South African companies, SOEs, municipalities and financial institutions.
Request intake
Monitors the AP or vendor master inbox and captures every bank detail change request with its attachments.
Email and domain analysis
Detects lookalike or spoofed domains, changed reply-to addresses and senders that differ from the supplier's known contacts.
Document checks
Compares the bank confirmation letter to the company name and registration number, and flags signs of alteration or inconsistent formatting.
Account holder verification
Supports account verification through your bank's service where you have one, and flags mismatches between the account holder and supplier.
Red flag scoring
Scores urgency language, changes shortly before a large payment, new banks or regions, and repeated requests into a clear risk rating.
Call-back routing
Routes every change for call-back verification using contact details already on file, never those in the request, and holds payment until confirmed.
How it works
From your systems to a result you sign off
Your team performs the call-back, an authorised person approves the vendor master update, and payments are released through your bank's own approval flow.
Connect the places your supplier bank details already live.
Change requests and attachments from Outlook mailboxes, with supplier contacts and payment history from your ERP vendor master. Already use something else? We connect that too.
- OpenAI Frontier
- Your own AI platform or models
- Microsoft 365 (Teams, SharePoint, Outlook, Excel)
- SAP, Oracle, Sage, Syspro, Dynamics 365 vendor master
- AP and vendor master shared mailboxes in Outlook
- Bank account verification services via your bank
Runs continuously on the AP inbox, with alerts in Teams or OpenAI Frontier, using the models your organisation approves.
A risk-rated change register, call-back tasks for your team and a verification record against each vendor.
Step by step
- 01
A bank detail change request arrives in the AP or vendor master inbox.
- 02
The agent analyses the email, domain and supporting documents.
- 03
It checks the account holder and scores the red flags.
- 04
It creates a call-back task using contact details already on file.
- 05
Your team verifies the change by phone and an authorised person approves or rejects the update.
Deployment
Runs inside the tools your team already uses
The same agent and the same cited output, delivered three ways: through the AI assistant you have rolled out, on a model you host yourself, or inside your own software.
In the frontier assistant you already pay for
We publish the agent as an MCP server. Add it as a connector and your team calls it from the chat they use every day, with no new tool to learn.
"Is this the supplier’s usual email domain?"
- supplier
- Bothma Steel
- vendor_id
- V-100482
On a model you host yourself
Run the agent on open-weight models in your data centre or private cloud. Your supplier bank details never leave your network, which keeps POPIA and data residency straightforward.
- Llama
- Mistral
- Ollama
- or any OpenAI-compatible endpoint
Inside your own software
Trigger a run from your own workflows, and push the finished output into your ERP, GRC or reporting systems. We build the integration with your team.
- REST API
- Webhooks
- Batch jobs
- Embeddable review panel
Governed the same way, every route
Whichever way your team reaches the agent, identity, permissions and audit stay with your existing controls.
- Single sign-on through Entra ID, Okta or Google Workspace
- Reads only the documents each user is already allowed to open
- Every tool call written to an audit log you can export
How we deliver it
One agent, three ways to hold it
Start where your team already works, then take it as far into your systems as the value justifies.
DATA SECURITY & PRIVACY
Your supplier bank details stay yours.
The agent runs inside your tenancy, reads only what each task needs, and never trains on your supplier bank details. Every step is logged so your auditors can see exactly what it touched.
Built for regulated work.
+YOUR SUPPLIER BANK DETAILS NEVER LEAVE YOUR ENVIRONMENT
More agents
More agents we build for South African enterprises
Each one is built on the same foundation: your documents, your rules, and your people signing off.
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