Deal & contract office · Fraud guard
No bank-detail change moves money until a human verified it the right way.
$1,997/mo+ $1,997 one-time setup · Bank-Change Guard included · more automations +$500/mo each, never above $4,997/mo total
The most expensive email a business receives says "we've updated our bank account." The FBI logged $3.05 billion in reported business-email-compromise losses in 2025 — the #2 fraud category, 86% moving by wire or ACH, which usually means gone. The defense is procedural, and this module makes it unskippable: every payment-instruction change is frozen until it's verified by calling the number already on file and approved by a named person.
What this module does
What shows up in week one.
01
Every change request logged
However it arrives — email, phone, portal — the request goes on the ledger with who asked, how, and what changed, before anything else happens.
02
The out-of-band gate
Verification means a call to the number already ON FILE — never the contact info inside the request, which is exactly what the fraudster controls. That is the FBI-recommended protocol, enforced as a required step.
03
Approval that refuses to be rushed
The system will not accept an approval on an unverified change — the refusal is built into the code, not the training deck. Verified, then approved by name, then and only then cleared.
04
Stale requests alarm
A change sitting unverified past 48 hours is either fraud in progress or a vendor about to have a payment bounce — both alarm on the daily scan.
How it works
Set the rule once: payment-instruction changes go through the guard, full stop. Each request is logged, then verified out-of-band by your team against contact details already on file, then approved by a named person. The ledger stores only last-4 hints of account numbers — it gates the change; it never becomes a database of your vendors' banking details.
Integrates with
Compliance + guardrails
Approvals on unverified changes are refused in code. Account numbers are stored as last-4 hints only — full numbers are stripped on entry. The verification note records who answered the call, so the audit trail shows not just that the step happened but what it consisted of.
The price
$1,997/mo + $1,997 one-time setup — Bank-Change Guard is your included first automation.
Each additional automation is +$500/mo, and the total never passes $4,997/mo — past that point, everything we run is included. Included with any plan. No long-term contract.
FAQ
Common questions about Bank-Change Guard.
Does this connect to my bank?
No, and that's deliberate. It gates the DECISION, which is where the fraud happens — the change doesn't reach your payment system until it clears the gate. Nothing here touches or stores your full account details.
Isn't this just a checklist?
It's a checklist that refuses. The difference between policy and product is that the approve button does not work on an unverified change — under deadline pressure, that's the difference that matters.
The rest of the deal & contract office
📈
Price-Escalation Enforcement
🧾
Warranty Claim Recovery
🗓
Regulator Filing Calendar
⏳
Deadlines & Renewals
⚖
Commission Reconciliation
✎
Proposals & RFPs
🛡
Security Questionnaires
⊘
Bid / No-Bid Qualification
◎
Marketplace Account Health
Module 13 of 22 in the Morthn operating layer · See all 22