Thresholds that fit the case
There’s no single number for “unusual”. Each check works it out from the case in front of it: the account, the counterparty, the family. Adjust any threshold, or switch a check off.
Irregularities
23 checks on every statement
Every page, every row, checked for signs of editing and for activity worth a second look. AI-Mond points it out and shows its working; you make the call.
A finding, up close
Every flag shows its working
- 01What firedThe check, the kind of evidence it belongs to, and how serious it looks.CriticalHighMediumLow
- 02What it was compared withThe case’s own history: here, 14 earlier payments to Asian Paints Ltd. Thresholds come from each case, not from a fixed number.
- 03Where it sitsPage 9, row 14 of HDFC ••5512, one click from the row itself.
- 04Your noteWrite down what you made of it, for the audit file or the credit memo.
The catalogue
Every check, by what it asks
Five kinds of evidence, each answering one question about the case.
- 01Statement integrity
Balance doesn’t follow from the row before
A running balance that isn’t the one before it plus the credit, minus the debit.
- 02Statement integrity
Statement period has a gap
Days missing between one statement and the next.
- 03Statement integrity
Transaction appears twice
The same date, amount and description entered more than once.
- 04Statement integrity
Payment reference is reused
One transfer reference showing up on two different transactions.
- 05Statement integrity
Number style changes partway through
Amounts set in a different style from the rest of the page, as if typed in later.
- 06Statement integrity
Balance jumps across a page break
A page that doesn’t open on the balance the page before it closed on.
- 07Statement integrity
Page count doesn’t match the file
A statement that says it has more or fewer pages than the file holds.
- 08Statement integrity
Date order reverses partway through
Dates that run backwards where the statement should run in order.
- 09Statement integrity
A credit lowers the balance
Money coming in while the printed balance goes down.
- 10Statement integrity
Debits reconcile but credits don’t
Withdrawals that add up to the printed totals while deposits don’t.
- 11Statement integrity
Watermarks or spliced statement periods
Signs a statement was stitched together from different documents or periods.
- 12Money movement
Amount is unusual for comparable payments
A payment far out of line with earlier ones to or from the same party.
- 13Money movement
Burst of activity in a short window
Many transactions packed into a few days, against the account’s usual pace.
- 14Money movement
Large cash withdrawal
Cash taken out well above what the account usually withdraws.
- 15Money movement
Cash deposit on a bank holiday
Cash paid in on a day the branch would have been closed.
- 16Money movement
Money passes straight through
Money that arrives and leaves again almost at once, for about the same amount.
- 17Money movement
Money returns through linked accounts
Money that leaves and comes back round through the case’s own accounts.
- 18Income
Regular income stops, arrives late or changes
A salary or other regular credit that misses a month, slips, or changes amount.
- 19Income
Large outflow right after income arrives
Most of an income credit leaving within days of it landing.
- 20Loans & obligations
Repayment missed or rising sharply
An EMI that doesn’t appear in a month, or jumps in size.
- 21Loans & obligations
Payment returned or charged back
A payment that comes straight back, unpaid or reversed.
- 22Cash position
Cash deposits high compared with income
Cash paid in that is large next to the account’s income.
- 23Cash position
Balance stays low for days
A balance that sits near empty for a stretch of days.
Yours to adjust
Tuned to the case, noted by you
A note on every finding
Record what you made of a flag where the next person will see it: beside the finding, on the case.
Your own rules
Have a check of your own?
A firm’s own checklist, written in words, run on every case alongside the standard checks.
- Write it as a sentenceWhat to look for, how much, and when, in words rather than formulas.
- Preview it on a caseSee which rows it would flag before you save it.
- Save itFrom then on it runs with the standard checks.
Who it’s for
Same checks, different questions
- Chartered accountantsDoes the bank turnover match the books?Leans onCash positionStatement integrityFor chartered accountants
- Audit firmsDid every engagement run the same checks?Leans onAll 23 checksYour own rulesFor audit firms
- Forensic firmsWas this statement edited, and where did the money go?Leans onStatement integrityMoney movementFor forensic firms
- Lenders & credit teamsIs the income real, and can they repay?Leans onIncomeLoans & obligationsCash positionFor lenders & credit teams
FAQ
Something we didn’t cover?Book a demo and ask us directly.Questions about flags
What people ask before they rely on a finding.
01Does a flag mean something is wrong?
No. A flag means something on the statement is worth a second look. AI-Mond shows why it fired and where it sits; you decide what it means.
02Where do the thresholds come from?
From the case in front of it. Each check compares a transaction with that account’s or counterparty’s own history, so what counts as unusual differs from one case to the next. You can adjust any threshold.
03Can I switch a check off?
Yes. Any check can be switched off, and back on again.
04What do the severity levels mean?
Every finding is marked Critical, High, Medium or Low, so you can see at a glance which to look at first.
05Can I record what I concluded?
Yes. Add a note to any finding.
06Can I add checks of my own?
Yes. Write a rule as a sentence, preview it on a case, and save it. It runs alongside the standard checks.