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:

Block this payment request in the ERP system immediately.
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.
If confirmed as fraudulent, initiate the company's internal security incident response protocol.