SkimGuard

Small finance teams often discover unusual vendor charges, price changes and duplicate transactions during month-end close. SkimGuard ingests supported transaction and accounting feeds, builds explainable baselines and links vendor charges to approved contract terms where available. The supplied research confirms a funded proactive finance product and card-bundled spend platforms with anomaly detection. The supported wedge is a card-neutral before-close workflow for finance teams, not an empty market. A statistical outlier is not fraud, an overcharge or a contract violation. New vendors, seasonality, annual renewals, currency, partial refunds and business growth can all make valid spend unusual. Contract extraction is fallible and a clause requires human interpretation. Feed transaction, accounting record, baseline, anomaly candidate, contract candidate, finance disposition, vendor dispute, provider acknowledgement, credit, close and realized saving remain separate. Savings attribution needs the exact disputed amount and settled credit, not an alert or avoided hypothetical. The product can shorten review latency and preserve evidence. It cannot guarantee recovery, prevent spend or replace accounting judgment.

A small or mid-sized finance team using multiple cards, bank accounts and accounting sources without a single card-linked spend platform.