LiveHow do we stop fraudulent supplier bank-detail changes?

Vendor bank-detail change

The change itself is the consequential action. Verify the person making it before the new account is saved, not when the first payment fails.

Verify the change, not the payment

Bank-detail fraud succeeds because the change is low-friction and the loss appears later, on a payment that looks entirely legitimate.

Presence sits on the change: your vendor-master flow calls it with the supplier and the new account as action context, and receives a verdict before the record is written.

Because the digest covers the new account details, the sealed record shows exactly which account was approved by whom.

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