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Agents Supplier Details Assurance Agent
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Supplier Details Assurance Agent

Automatically validates supplier banking information and payment terms using internal records to prevent errors, delays, and fraud.

About the Agent

Ensuring the accuracy of supplier banking details and payment terms is a critical challenge in accounts payable. Errors or fraudulent entries can lead to lost funds, compliance violations, and reputational damage, while late payments disrupt supplier relationships and business operations.

The Supplier Payment Verification Agent proactively addresses these risks by automatically cross-checking flagged or high-risk payment requests against internal data. It analyzes supplier records, historical payments, and transaction patterns, and even examines unstructured data such as free-text instructions and supplier communications to detect inconsistencies or anomalies before any payment is released.

By integrating this verification step early in the payment workflow, organizations can significantly reduce payment errors, prevent fraud, ensure regulatory compliance, and improve operational efficiency. Finance teams benefit from fewer exceptions, lower administrative burden, and more time to focus on strategic, value-added activities—turning a traditionally reactive process into a proactive safeguard for the business.

Accuracy
TBD

Speed
TBD

Input Data Set

Sample of data set required for Supplier Details Assurance Agent:

High-Risk Payment Request Flagged for Verification


Request ID: PR-2023-9512
Date Flagged: 2023-10-26
Reason for Flagging: Unrecognized banking details provided in free-text instructions. Potential Business Email Compromise (BEC) risk.




Payment Details


    

  • Supplier Name: Apex Solutions
    • 

  • Supplier ID: VEN_58209
    • 

  • Invoice Number: APX-8872
    • 

  • Invoice Amount: $152,430.00 USD
    • 

  • Payment Due Date: 2023-11-15
    • 





Source Information


Source System: ERP_Procurify
Data from Supplier Master File:


    

  • Bank Name: Global Financial Services
    • 

  • Account Number: **1098
    • 

  • Routing Number: 021000021
    • 

  • Standard Payment Terms: Net 45
    • 



Unstructured Data from Payment Request Notes:


    

  • AP Clerk Note: "Received an email from 'accounts@apex-solutions-finance.com' requesting payment for INV-APX-8872 go to a new temporary account due to an 'internal audit' on their primary account. Please see details below. They have requested Net 15 terms for this payment due to project urgency."
    • 

  • Supplier-Provided Details from Email:
      

    • Bank Name: Digital Trust Bank
      • 

    • Account Number: 4598712365
      • 

    • Routing Number: 099000018
      • 

    • Requested Payment Terms: Net 15
      • 

    

    •

Deliverable Example

Sample output delivered by the Supplier Details Assurance Agent:

Supplier Details Assurance Report


Report ID: SDA-VER-2023-9512
Generated On: 2023-10-26 11:34 UTC
Status: CRITICAL WARNING - MANUAL INTERVENTION REQUIRED




1. Summary of Verification


The agent has analyzed Payment Request PR-2023-9512 for Apex Solutions (Invoice APX-8872, Amount $152,430.00). The request was flagged due to a deviation from the supplier master file for both banking details and payment terms, based on unstructured notes from an external email.






Attribute
Master File Record
Requested Change
Mismatch?






Bank Name
Global Financial Services
Digital Trust Bank
Yes




Account Number
**1098
**2365
Yes




Routing Number
021000021
099000018
Yes




Payment Terms
Net 45
Net 15
Yes






2. Validation Checks


Internal Data Validation


    

  • Supplier History: PASS. Apex Solutions is an established vendor with a 5-year payment history. No previous instances of payment detail changes via email were found.
    • 

  • Master File Comparison: FAIL. The requested banking details do not match any primary or auxiliary accounts on file for Supplier ID VEN_58209.
    • 

  • Contractual Terms: FAIL. The requested payment term of Net 15 contradicts the master agreement term of Net 45.
    • 



External Data Validation


    

  • Third-Party Payment Failure Data: WARNING. Routing number 099000018 for Digital Trust Bank shows a low trust score and has been associated with a 12% increase in payment failure alerts in the last 60 days.
    • 

  • External Compliance Lists: PASS. The supplier entity "Apex Solutions" and its principals are not found on any monitored sanctions or OFAC lists. The new bank details are not directly flagged, but the institution has a neutral compliance rating.
    • 



3. Recommendation


ACTION: DO NOT PROCESS PAYMENT.


Reasoning: Multiple critical discrepancies have been identified between the payment request and the verified supplier master file. The combination of an un-notified bank account change, altered payment terms, and a low-trust score on the new routing number indicates a high probability of attempted payment fraud (Business Email Compromise).


Next Steps:


    

  1. Block this payment request in the ERP system immediately.
    2. 

  2. Contact your established point of contact at Apex Solutions using a trusted phone number (do not reply to the originating email) to verbally confirm the validity of this change request.
    3. 

  3. If confirmed as fraudulent, initiate the company's internal security incident response protocol.
    4.

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