The problem

Source-to-pay is labour-heavy and leaks 2–5% of spend to fraud, duplicate invoices and weak supplier controls; one bad payment can be a sanctions violation.

What you get

Suppliers onboarded and screened; invoices three-way-matched and paid straight-through under threshold; sanctions hits hard-blocked; large/flagged payments escalated.

The flow

Intake to outcome. 🤖 steps run automatically; 🧑‍⚖️ steps are where a named human signs off the judgment calls.

1

🤖 Onboard the supplier and capture beneficial ownership

agent intake · Vendor masterKYB / vendor verification
2

🤖 Screen the supplier + UBO against sanctions / PEP lists (continuous)

agent screening · Sanctions / PEP screening
3

🤖 Three-way match the invoice (PO ↔ receipt ↔ invoice); verify bank-detail changes out-of-band

agent matcher · E-invoicing / APERP
4

🧑‍⚖️ A finance approver releases payments above threshold or on any sanctions / ABAC red flag Human checkpoint

AP / finance approver
5

🤖 Release the payment under threshold straight-through ⚠ Irreversible · high blast

agent payer · Payment rails
6

🤖 Monitor spend for anomalies and duplicate / threshold-split patterns

agent monitor · ERP

Agents & tools

Vendor master stub → ERP vendor module
KYB / vendor verification stub → Middesk
Sanctions / PEP screening ● live · Dow Jones
E-invoicing / AP stub → Tipalti
ERP stub → SAP
Payment rails stub → ACH

1 of these run live on real data — keyless by default; the rest are sandbox stubs that flip to the real provider the moment you add credentials.

Human checkpoints

AP / finance approver — A finance approver releases payments above threshold or on any sanctions / ABAC red flag

The autopilot escalates the judgment calls to a qualified human — the rest is straight-through.

Why it's safe to let it run

Every autonomous decision is logged — who · what · confidence. Signed human checkpoints and a built-in compliance reviewer enforce the rails, so the outcome holds up to an audit, not just a demo. Every irreversible action runs only after a human signs — the autopilot does the volume, never the point of no return on its own.

🧑 Accountable owner: Head of Finance — one person answers for what this autopilot does.