AI Expense Reimbursement Fraud Pattern Analysis Playbook

A regional bank's ethics hotline received a complaint that a senior VP in commercial lending is submitting duplicate and inflated expense reports. The VP manages a $420M loan portfolio and travels frequently. You have 28 months of expense submissions totaling $194,000.

When to use this playbook

• Use this playbook when the decision looks like the situation above: A regional bank's ethics hotline received a complaint that a senior VP in commercial lending is submitting duplicate and inflated expense reports.
• It is a fit when you have source files in hand and need a structured, reviewable analysis — not a generic chat answer about "Expense Reimbursement Fraud Pattern Analysis".
• Do not use it as a substitute for licensed, legal, clinical, or authorized official judgment in the domain.

What you'll need

• 28 months of expense reports (all submissions, all categories)
• Receipts archive (scanned PDF)
• Corporate card statement for the same period
• Approved vendor/restaurant list for the bank's entertainment policy

Attachments: Multiple attachments (PDFs, Documents)

You are a forensic accountant investigating expense reimbursement fraud by a senior VP at a regional bank. I am attaching:

Work only from the attached source files. If a conclusion is not supported, say so.

Produce:
1. Identify all duplicate submissions: same amount, same date, same vendor across different expense reports or report periods.
2. Flag receipt amounts that differ from submitted amounts by more than $10, and identify the pattern (systematic rounding up vs. isolated incidents).
3. Identify entertainment expenses submitted on weekends or holidays and cross-reference against the VP's calendar for those dates.
4. Calculate the total estimated overpayment if the pattern holds across all 28 months.
5. Tell me whether the evidence supports termination for cause, criminal referral, or both—and what additional documentation I need to close each path.

Call out where independent models are likely to disagree, and list follow-up documents a reviewer should request.

What to expect

• Duplicate transaction register with dollar totals
• Receipt variance analysis
• Timeline of suspicious submissions
• Employer action decision framework with evidentiary thresholds

Review before you act

• Validate this output against source files before relying on it: Identify all duplicate submissions: same amount, same date, same vendor across different expense reports or report periods.
• Validate this output against source files before relying on it: Flag receipt amounts that differ from submitted amounts by more than $10, and identify the pattern (systematic rounding up vs. isolated incidents).
• Validate this output against source files before relying on it: Identify entertainment expenses submitted on weekends or holidays and cross-reference against the VP's calendar for those dates.
• Validate this output against source files before relying on it: Calculate the total estimated overpayment if the pattern holds across all 28 months.
• Confirm every cited figure, date, counterparty, or requirement against the attached originals — models compress and can drop a qualifier.
• Treat disagreement between models as a review item, especially on classification, materiality, and recommended next action.
• Do not authorize an operational, clinical, legal, credit, or enforcement action solely because the models agree.