Payments are where leakage and risk become real cash loss.
Most organizations have some controls, but the gaps show up as:
- approvals that happen after the fact
- vendor bank changes handled informally (fraud risk)
- duplicate payments discovered too late
- unclear ownership between AP, treasury, procurement, and operations
- inconsistent audit evidence
This collection installs a beginner-safe operating system:
- approval matrices and payment controls that scale
- bank change verification that blocks fraud and reroutes
- duplicate payment prevention and recovery motion
- a simple estimator to quantify opportunity and payback
Who this collection is for
- Finance and AP teams managing approvals, payments, and audit readiness
- Treasury teams managing banking workflows and payment release controls
- Procurement teams supporting vendor master data and contract compliance
- Operators who want fewer exceptions and faster close
What you will install
By the end of this collection you should have:
- a clear payment approval matrix and evidence rules
- a bank change verification workflow that prevents fraud
- a duplicate payment prevention and recovery kit (process + checklist)
- a quantified recovery and run-rate savings estimate with a memo format
How to use this collection
Install in this order:
- Approval matrix and payment controls
- Vendor bank change verification
- Duplicate payment prevention and recovery
- Duplicate payment recovery estimator and 30 / 60 / 90 plan
Beginner-safe definitions
Vendor master data: the system record for a vendor (bank details, tax info, remit-to, contacts).
Bank change request: any request to update a vendor's payment details.
Positive pay: bank control that validates checks against an issued file.
Segregation of duties: separate people approve, change vendor data, and release payments.
Duplicate payment: paying the same obligation more than once (duplicate invoice, duplicate line, or duplicate remit).
What good looks like
- approvals happen before payment, with clear thresholds
- bank changes require independent verification
- duplicate payments are prevented and any that occur are recovered fast
- audit evidence is consistent and easy to produce
- fewer disputes and fewer payment exceptions over time