Six Fraud Engines.
One Unified Shield.
420ms to Block a $49,500 Fraud.
Real-time fraud detection that runs inside your SAP S/4HANA — analyzing every transaction across 6 parallel AI engines before it posts. No GPU. No training. No data leaves your system.
The 6 Fraud Detection Engines
Each engine specializes in a different fraud vector. All six run in parallel on every transaction, completing their analysis in under 500 milliseconds — on CPU alone.
Duplicate Payment Detection
Detects duplicate, near-duplicate, and intentionally-disguised invoices across millions of transactions. Catches character substitution, transposition, and OCR-induced duplicates that rule-based systems miss.
Invoice INV-2026-1234 from "Acme Industrial" for $47,200 flagged as near-duplicate of INV-2026-I234 (letter I swapped for digit 1) from "Acme lndustrial" (lowercase L for uppercase I). Same amount, same date, different bank account. Levenshtein distance: 2. TF-IDF cosine similarity: 0.97. Verdict: BLOCK.
Contract Leakage Detection
Compares every invoice line item against contracted prices, volumes, and terms. Catches pricing overcharges, volume discount failures, and contract term violations that silently erode margins.
Vendor "GlobalParts Inc." invoiced $12.50/unit for Part #GP-4422. Contract specifies $10.00/unit for orders over 500 units (this order: 2,400 units). Leakage: 25% overcharge = $6,000 on this single PO. Annualized leakage from this vendor alone: $72,000. Verdict: FLAG + auto-generate credit memo request.
Pricing & Discount Fraud
Monitors discount patterns, price overrides, and manual adjustments in real time. Detects unauthorized discounts, after-hours changes, and statistically impossible pricing patterns using Benford's Law digit analysis.
Sales rep changed discount from 2% to 18% on a $340,000 order at 11:45 PM Saturday. Benford's Law analysis: first-digit distribution of this rep's discounts deviates 4.2 standard deviations from expected. Historical average discount for this customer tier: 3.1%. Z-Score: 4.8. Verdict: BLOCK + escalate to Sales VP.
Three-Way Match Automation
Automatically matches Purchase Orders, Goods Receipts, and Invoices with intelligent fuzzy matching. Catches quantity discrepancies, unit price variances, and partial delivery fraud that manual matching misses.
PO #4500012345: 1,000 units at $25.00. GR #5000067890: 980 units received (2% shortage). Invoice #VND-2026-8901: 1,000 units at $25.50. Two anomalies caught: (1) Invoice quantity exceeds received quantity by 20 units = $510 overcharge. (2) Unit price $0.50 above PO price = $500 overcharge. Total prevented: $1,010. Verdict: PARTIAL BLOCK.
Transfer Pricing Optimization
Validates intercompany transfer prices against OECD arm's length principles in real time. Detects non-compliant pricing that creates tax audit risk and potential penalties before transactions post.
Intercompany invoice: German subsidiary charging Irish entity EUR 450/unit for component #IC-7700. OECD CUP benchmark range: EUR 280-360. Market comparable: EUR 320. Deviation: +40.6% above market. Tax risk: potential EUR 2.1M adjustment across annual volume. OECD non-compliance flag. Verdict: FLAG + generate transfer pricing documentation.
Tare Weight Fraud Detection
Monitors vehicle and container tare weights at receiving docks. Detects inflated tare weights used to under-report delivered quantities — a common fraud in bulk commodities, chemicals, and agriculture.
Delivery truck #TRK-4422 reports tare weight of 9,500 kg. Historical average for this vehicle: 7,800 kg. Anomaly detection score: 0.89 (threshold: 0.65). Gradient Booster confirms: 94% probability of inflated tare. Net weight discrepancy: 1,700 kg of raw material = $8,500 in undelivered goods. Verdict: BLOCK + require re-weigh.
The $49,500 Invoice:
9 Checks. 420 Milliseconds. Blocked.
An AP Clerk posts a $49,500 invoice — exactly $500 below the $50,000 approval limit. Here is exactly what happens inside FraudGuard in the next 420 milliseconds.
$49,500 is exactly $500 below the $50,000 approval threshold
$49,500 ends in multiple zeros — Benford's Law violation on first two digits
Vendor bank account changed 3 days before invoice submission
Invoice approver shares home address with vendor contact (public records match)
"Acme lndustrial" (lowercase L) vs legitimate "Acme Industrial" (uppercase I) — Levenshtein: 1
Invoice submitted at 11:52 PM Saturday — outside normal business hours
Referenced PO #4500099887 has remaining balance of only $12,300 — invoice exceeds by $37,200
This vendor has never invoiced above $15,000 in 3 years of transaction history
AP Clerk has processed 340% more invoices this week than 52-week average
9 checks completed in 420ms. 7 of 9 flagged anomalies. Cross-correlation boost: +12 points. Decision: BLOCK. Transaction prevented from posting to SAP.
The Cost of Missing Fraud
Most organizations discover fraud 18 months too late. By then, the damage is done — and the money is gone.
For a $1B Revenue Company
At the industry average of 5% revenue loss, that is $50 million per year in fraud exposure. Even catching 1% of that with FraudGuard pays for the platform 37,000 times over.
From Transaction to Decision
in Under 500 Milliseconds
Every transaction flows through this pipeline. No exceptions. No batch processing. No overnight reports. Real-time, pre-commit fraud prevention.
Transaction Posted
AP Clerk posts invoice in SAP S/4HANA
SAP Event Mesh
Real-time event triggers FraudGuard via SAP BTP Event Mesh
FraudGuard Receives
Transaction payload received and parsed in <10ms
6 Engines in Parallel
All 6 fraud engines analyze simultaneously on CPU
Score Aggregation
Weighted ensemble score computed across all engines
BLOCK or ALLOW
Score > 80 = BLOCK. Score 60-80 = REVIEW. Score < 60 = ALLOW
Audit Trail
SHA-256 hash-chained, tamper-proof log with full reasoning
Alert to CFO
Real-time notification via SAP Fiori, email, and Microsoft Teams
FraudGuard vs. SAP GRC vs. SAS
SAP GRC Process Control is rule-based and post-commit. SAS requires months of training and GPU clusters. FraudGuard is AI-powered, pre-commit, and deploys in 12 minutes.
| Feature | Zynoviq FraudGuard | SAP GRC Process Control | SAS Fraud Detection |
|---|---|---|---|
| Detection Timing | Pre-commit (blocks before posting) | Post-commit (detects after payment) | Batch (detects hours/days later) |
| AI-Powered Detection | 6 ML engines + LLM reasoning | Rule-based only | Statistical models (requires training) |
| Deployment Time | 12 minutes (one MTA file) | 6-18 months | 12-24 months |
| Cross-Module Analysis | FI, MM, SD, HR, TR — unified | FI/CO focused | Requires separate integration |
| Detection Accuracy | 99.1% (Day 1, zero training) | 60-75% (rule dependent) | 85-92% (after 6mo training) |
| Total Cost (Year 1) | Contact Sales | $150K-500K + consultants | $500K-2M + infrastructure |
| GPU Requirement | None — CPU only | N/A (no AI) | GPU cluster required |
| Data Sovereignty | 100% — never leaves SAP BTP | On-premise or SAP cloud | Data sent to SAS cloud |
The Key Difference: Pre-Commit vs. Post-Commit
SAP GRC and SAS detect fraud after the payment has been made — you are chasing money that is already gone. FraudGuard blocks fraudulent transactions before they post to SAP. The money never leaves your account. That is not an incremental improvement — that is a fundamentally different approach to fraud prevention.
What FraudGuard Means for Your CFO
FraudGuard is not a security tool — it is a financial performance tool. Every blocked fraud is recovered margin. Every automated audit is time back for your finance team.
Direct P&L Protection
$2.3M saved in first 90 days
FraudGuard catches duplicate payments, contract leakage, and pricing fraud that directly flows to your bottom line. Every blocked fraudulent payment is pure margin recovery.
Audit Readiness
From 6-week audit prep to 1 click
Every transaction decision is logged with SHA-256 hash-chained audit trails. Full reasoning, confidence scores, and engine verdicts — exportable in seconds for any auditor.
SOX Compliance
Sections 302, 404, 409 — automated
Continuous monitoring of all financial controls. Segregation of duties enforcement, approval threshold compliance, and real-time material weakness detection — all automated.
Board Confidence
Certify with confidence every quarter
When you sign the SOX 302 certification, you know every transaction has been analyzed by 6 AI engines. No more "hope nothing slipped through" — you have mathematical proof.
Stop Losing Money
You Don't Know You're Losing
90-day free trial. All 6 fraud engines included. No credit card. No commitment. Your data never leaves your system. Deploy in 12 minutes.