The $32.1M Fraud
Your ERP
Cannot See.
The ACFE reports enterprises lose 5% of revenue to fraud annually. FraudGuard AI deploys 6 real-time detection engines inside your SAP S/4HANA that intercept fraud before it posts to your ledger — not 18 months later when auditors find it.
The Fraud Landscape
Six categories of financial leakage that exist in every SAP S/4HANA environment. Each one invisible to standard ERP controls. Each one compounding silently.
Duplicate Payments
Identical amounts split across vendors, dates shifted by 2-7 days, invoice numbers transposed by a single character. Your AP department processes them as legitimate. FraudGuard sees the pattern across 12M transactions in 312ms.
Contract Leakage
Unenforced contract terms compound silently. Vendors overcharge 2-4% on negotiated rates, apply outdated pricing tiers, and ignore volume discounts. Across 200+ vendor contracts, the bleed is invisible. Until it isn't.
Pricing & Discount Fraud
Unauthorized discounts applied retroactively, phantom rebates created post-approval, pricing master data manipulated after contract lock. Individual transactions look valid. The aggregate pattern is fraud.
Three-Way Match Bypass
PO-GR-IR matching overrides rubber-stamped at scale. Tolerance exploitation keeps exceptions just under review thresholds. $49,500 invoices bypass $50K dual-approval. 847 overrides per quarter. Nobody notices.
Transfer Pricing Anomalies
Intercompany mispricing across 14+ jurisdictions. Arm's-length violations that trigger OECD scrutiny. Tax authorities in 3 countries audit simultaneously. The penalties include interest, fines, and reputational damage.
Tare Weight Manipulation
Inflated vehicle tare weights, under-delivered raw materials, systematic short-shipping across commodities. 1.2% average deviation on 200+ daily weighbridge transactions. Scale calibration drift is rarely accidental.
What a typical Fortune 500 loses annually to these six fraud categories. The ACFE reports 5% of revenue. Your auditors found it 18 months late. FraudGuard finds it in 500 milliseconds.
The Pre-Commit Difference
Every competitor detects fraud after the money moves. FraudGuard blocks it before it posts to your ledger. That is the only difference that matters.
Transaction posts to SAP
Batch analysis runs overnight
Fraud discovered 24-72 hours later
Recovery attempt initiated
Legal proceedings (6-18 months)
60% recovery rate (if lucky)
After 6-18 months of legal proceedings
Transaction initiated in SAP
FraudGuard intercepts in <500ms
AI scores risk across 6 engines
BLOCKED before posting to ledger
$0 lost. No recovery needed.
Full audit trail written instantly
Fraud blocked before it exists in your ledger
| Capability | SAP GRC | SAS / KPMG | FraudGuard |
|---|---|---|---|
| Detection Timing | Post-Commit | Batch Overnight | Pre-Commit |
| Approach | Rules-Based | Statistical Models | 6-Engine AI |
| Deployment | 6-12 Months | 12-18 Months | 12 Minutes |
| Annual Cost | $200K-$500K/yr | $500K-$2M/yr | Contact Sales |
| Accuracy | ~65% | ~78% | 99.1% |
| Key Limitation | Detects known patterns only. No AI. No pre-commit interception. | Batch processing means fraud is discovered after the money moves. External data extraction required. | None. SAP-native, real-time, zero data egress. |
“Recovering stolen money costs 10x more than preventing it. Every dollar that never leaves your ledger is a dollar you never have to chase.”
ROI by Quarter
From 12-minute deployment to $14.8M+ in annual fraud prevention. Every milestone is measurable, auditable, and reportable to your board.
Deploy & Detect
Quarter savings: $340K
Cumulative
Key Milestones
- Deploy FraudGuard in 12 minutes via SAP BTP
- First anomalies detected within 4 hours of activation
- $340K in duplicate payments caught in week 1
- 23 previously invisible fraud patterns surfaced
"We found $340K in duplicates the auditors missed for two years."
— VP Finance, $420M Manufacturer
25% to full production maturity
Full-Scale Detection
Quarter savings: $1.76M
Cumulative
Key Milestones
- Contract leakage detection at full coverage across all vendors
- Pricing fraud patterns emerging across 200+ vendor master records
- Three-way match bypass detection reduces override rate by 94%
- Transfer pricing engine monitoring all intercompany transactions
"Contract leakage alone was bleeding us $180K per month. We had no idea."
— CFO, Fortune 500 Financial Services
50% to full production maturity
Cross-Engine Intelligence
Quarter savings: $6.3M
Cumulative
Key Milestones
- Cross-engine AI correlating fraud signals across all 6 detection domains
- Complex multi-vendor collusion schemes identified automatically
- Tare weight calibration drift flagged across 14 distribution centers
- Predictive models anticipating fraud vectors before they materialize
"The system caught a 3-vendor collusion ring we never would have found manually."
— Chief Audit Executive, $8.2B Automotive OEM
75% to full production maturity
Production Maturity
Quarter savings: $6.4M
Cumulative
Key Milestones
- All 6 engines at production maturity with continuous learning
- AI models trained on enterprise-specific fraud patterns
- Board-level dashboard reporting real-time protection metrics
- Continuous improvement cycle: accuracy increases 0.3% per quarter
"$14.8M protected in year one. The board asked why we waited."
— CFO, $4B Enterprise
100% to full production maturity
Three Industries. One Platform.
FraudGuard adapts to every industry because fraud patterns are universal. The amounts change. The methods are the same.
$420M Manufacturer
FraudGuard identified a systematic $49,500 invoice splitting scheme across 3 vendor accounts, engineered to stay just under the $50K dual-approval threshold. The scheme had been running for 18 months. Total exposure: $2.4M. Combined with 847 duplicate invoices and $1.8M in contract overcharges, total recovery reached $4.2M within 6 months.
$12B Financial Services
Three-way match bypass detection eliminated a pattern of tolerance exploitation across 4 business units. Transfer pricing engine corrected arm's-length violations in 9 jurisdictions before tax authority audits. Zero regulatory findings in the annual audit for the first time in company history. $8.5M in estimated avoided fines and remediation.
$8.2B Automotive OEM
Transfer pricing engine identified systematic mispricing across 14 countries in the intercompany supply chain. 2,847 transactions corrected to arm's-length standards before quarter-end close. OECD documentation generated automatically. When German tax authorities audited, the documentation package was ready in minutes, not weeks. $3.2M in corrections avoided estimated $12M+ in penalties.
Security & Data Sovereignty
Your CISO's first question will be about data. Here is every answer they need.
Zero Data Extraction
All AI inference runs inside your SAP system. No transaction data, vendor data, or financial data ever leaves your infrastructure. Period.
SAP-Native Identity
Inherits your existing SAP authorization model. Role-based access, SoD controls, and audit trails integrated with your identity provider.
SOC 2 Type II
Independently audited security controls. Annual recertification. Full audit report available under NDA for CISO review.
GDPR Article 22
Every automated fraud decision includes human-reviewable explanation. No black-box verdicts. Right to explanation fully supported.
ISO 27001 Certified
Information security management system certified to ISO 27001:2022. Controls mapped to NIST CSF and CIS benchmarks.
SHAP Explainability
Every fraud score decomposed into human-readable feature contributions. Auditors see exactly which signals triggered each decision.
Every fraud decision is explainable. Every audit trail is tamper-proof. Every byte stays in your SAP. No exceptions. No asterisks. No fine print.
Average CISO Approval Time
Investment & ROI Model
Three scenarios. One conclusion. The return is measured in multiples, not percentages.
Conservative
Annual Fraud Prevention
Based on duplicate payment and contract leakage detection only. Two engines, minimal cross-correlation.
Expected
Annual Fraud Prevention
All 6 engines at production maturity. Cross-engine intelligence active. Based on median Fortune 500 fraud exposure data (ACFE 2024).
Aggressive
Annual Fraud Prevention
Full 5% revenue exposure recovery. Includes transfer pricing corrections, regulatory fine avoidance, and multi-vendor collusion detection.
Your Investment
FraudGuard is one of four engines in the Zynoviq SAP S/4HANA Plugin Platform. Contact Sales for pricing.
“The investment is a rounding error. The return changes your P&L.”
Every Day Without FraudGuard
Is Another Day You
Pay Fraudsters.
$87,945 per day. That is what the average Fortune 500 loses to the six fraud categories FraudGuard detects. Every day you wait is another day the money moves.
Tailored perspectives for your leadership team: