SpendGuard AI
Policy reality check and spend intelligence for business card programs.
Ask your spend data
Plain-English questions. Every number is computed from the statement, never invented.
Policy reality check
Brim's written expense policy against what the statement actually shows.
Policy: expenses over $50 require manager pre-authorization
65.5%of charges (2,736 of 4,180 debits) exceed $50
Applied literally, the rule would require manager pre-authorization on roughly two-thirds of every transaction this fleet makes. That gap between the written control and operational reality is what a finance team needs to see and decide on.
Other stated policy rules
- Receipts are required before any expense is reimbursed.Not measurable: the statement has no receipt records.
- Corporate cards may not be used for personal expenses.Not measurable: no personal-vs-business label in the data.
- Alcohol is not reimbursable unless dining with a customer.Not measurable: no line-item or attendee detail in the data.
- Tips may be expensed up to 15% for services and 20% for meals.Not measurable: tips are not itemized in the data.
- Traffic and parking tickets and personal-use rentals are never reimbursed.Not measurable: no infraction or rental-purpose detail in the data.
Rules sourced from the Brim expense policy document provided with the challenge. Only the $50 threshold is measurable from the transaction data; the others are stated for completeness and marked as not measurable from this dataset alone.
Policy simulation: documentation threshold
2,736charges would require documentation at a $50 threshold
$50$500
At the policy's $50 threshold, 2,736 charges need documentation. Raise the threshold to see the tradeoff: fewer items to review, but smaller charges pass unchecked.
Review queue
Most spend clears automatically; only genuine outliers reach a person.
Cleared
1,444
At or under $50; auto-cleared.
Documentation required
2,736
Over $50; policy wants a receipt or pre-auth.
High-risk review
745 groups
Duplicate and same-day repeat candidates.
Cleared and Documentation required split the 4,180 debits by the $50 rule. High-risk review is a separate lens: repeat-pattern groups flagged for a look, many of them already counted in the tiers above.
These are candidates surfaced for review, not findings. The statement has no employee, card, or timestamp data, so SpendGuard cannot tell whether same-day repeats are one card used several times or several cards at once. A person decides; the tool only surfaces and explains.
High-risk review: top 25 candidates
720 more high-risk candidates not shown. The top of the queue is what a reviewer works first; operational permit and toll repeats are ranked to the bottom.