HomeTrust LifecycleFraud Detection
STAGE 03 · FRAUD DETECTION

Catch the duplicate before it costs you.

Most vendor fraud is not exotic. It is the same bank account under two names, a recycled PAN, or a document that has been quietly edited. CHEMALOT looks for exactly those patterns.

What we look for

Signals, stated honestly.

Here is what each signal actually catches, and where it needs a human to make the final call.

Duplicate identity

The same PAN or GSTIN appearing across multiple vendor records is highly reliable and rarely a false alarm. It almost always warrants a look.

Shared bank account

One bank account reused across unrelated names is a strong signal. Genuine shared entities exist, so it is raised for review rather than auto-blocked.

Tampered document

Edited fields and inconsistent metadata are flagged as suspicion, not proof. The honest answer is that this is a prompt to verify, not a verdict.

Where a person still decides

Detection narrows thousands of records down to the handful worth a second look. Whether a flagged match is fraud or a legitimate shared entity is a judgment call, and CHEMALOT is built to inform that call, not replace it.

A worked example

One duplicate bank account, end to end.

How a shared account moves from a routine onboarding to a caught flag, before a single payout is set up.

A new vendor is onboarded

"Sunrise Traders" submits a PAN, GST and bank account through the onboarding link.

The bank account is matched across the book

That same account number is already on file under a different, unrelated vendor name.

The reuse is flagged, not approved

The profile is held with a duplicate-account flag instead of moving straight to approved.

Duplicate account flagged
4

A reviewer sees both records side by side

Procurement decides whether this is a genuine shared entity or a payout being redirected.

Find the duplicates already in your book.

Book a demo and we will walk a flagged case through, end to end.