We find the gap. Our intelligent banking-analysis algorithms ingest up to seven years of every bank, card and merchant account and reconcile it, line by line, against your accounting system — surfacing unrecorded income, skimming, ghost vendors, duplicate payments and embezzlement that a routine reconciliation never catches. Senior-reviewed, evidence-grade findings. Australia-wide and worldwide.
An accounting system records what someone chose to enter. The bank records what actually happened. When money goes missing, the truth is in the gap between the two — and that gap is exactly what we measure.
Most internal fraud and most costly accounting errors share one tell: the books and the bank stop agreeing. A skimmed deposit, a duplicate payment, a vendor that doesn't exist, a reimbursement that was never incurred — each one leaves a trace in the bank statements that the accounting system was quietly adjusted to hide. Over months and years, across multiple accounts, that trace is impossible to see by eye and tedious to chase by hand. So it usually isn't chased at all.
Our forensic accounting audit closes that gap at scale. We load the full transaction history of every account — up to seven years — into our banking-analysis algorithms alongside an export of your accounting system, reconcile the two across accounts and over time, and surface every entry that doesn't line up. A senior specialist reviews every flag, so what reaches you is findings, not noise. It is the fastest way to turn "something feels off" into a clear, documented answer.
Reconciling the bank against the books, across years and accounts, surfaces the patterns that hide in a single month's figures.
Deposits that hit the bank but never the books, takings diverted before they're recorded, and revenue quietly siphoned off the top.
Payments to suppliers that don't exist, shell accounts, and invoices created to move money out under a legitimate-looking line item.
The same invoice paid twice, amounts changed between approval and payment, and payees swapped after sign-off.
Ghost employees, inflated hours, and expense reimbursements for costs that were never incurred or were personal.
Money moved between accounts to obscure its source or destination — visible only when every account is analysed together, over time.
Honest errors that have compounded for years — and, just as valuable, documented assurance that everything reconciles and nothing is missing.
You hand us read-only data. We never need the ability to move money.
Full statement history for each bank, card and merchant account — up to seven years — plus an export of your accounting system. Read-only, under NDA.
Our banking-analysis algorithms clean, categorise and align every transaction across accounts and across time, building one reconciled picture of the money.
The algorithms surface what doesn't reconcile — missing, duplicated, round-tripped, altered or one-sided entries — and rank it by value and risk.
A senior specialist investigates every flag and documents the findings to an evidence standard that supports recovery, a claim, a dispute or a referral.
A note on scope: this is a forensic, investigative analysis — not a statutory financial-statement audit under the Corporations Act, and it does not produce an audit opinion. Its job is to find fraud, discrepancies and missing money, and to document what it finds.
Business owners bring us a suspicion, a gut feeling, or a number that won't reconcile. It rarely comes neatly labelled. These are the concerns we're brought in to settle — for private businesses, ASX-listed companies and government departments, across Australia and internationally.
Skimming, fake or duplicate suppliers, payroll and expense fraud, refunds and adjustments to accounts they control — the trusted staff member who handles the money, quietly taking it.
False or inflated claims, application and refund fraud, chargeback abuse, and customers colluding with staff — the money that leaves through people you're meant to be able to trust.
Finance staff or management diverting funds over months or years, hidden behind adjustments and a set of books that always seems to balance — until someone measures it against the bank.
False and inflated invoices, kickbacks, duplicate payments, ghost vendors and vendor collusion — leakage through accounts payable that looks entirely legitimate on the ledger.
When the numbers between business partners don't add up and trust has broken down, we reconstruct who took what, when, so a dispute is settled on evidence rather than accusation.
Verify a target's real cash position against its actual bank records before you buy the risk — not after you've signed.
Independent confirmation that the books match the bank and nothing is being siphoned off — the clean answer that lets you stop wondering.
When the records are scattered across bank feeds, accounting, payroll, point-of-sale and spreadsheets, we pull it together and make it comparable — the hard first step most reviews never finish.
What ties all of it together is method. We bring the data into one place and run machine-learning analysis and data-matching across every source — bank, card and merchant accounts, the accounting system, payroll, suppliers and more — so patterns that are invisible in any single system surface where they cross. A senior specialist reviews every finding. We do it on-site or entirely remotely, whichever suits — and always with discretion, so nothing signals to anyone that a review is underway.
A forensic accounting audit sits alongside our wider financial crime consulting, AI fraud detection and investigation, tracing and recovery work — so if we find something, the same senior team can investigate it, trace the funds and help you recover.
Insider theft is usually driven by pressure the business never sees — a gambling habit, a drug or alcohol problem, debt that's gotten out of control. It's almost always someone trusted, often the person who handles the money, taking amounts small enough to bury in the books. By the time it's obvious, a lot has already gone.
The hardest part isn't finding it — it's finding it without alerting them. Confront the wrong person, or let word get around, and the evidence disappears and the money stops moving. So we do it quietly. Working from read-only bank and accounting data, we can run the entire forensic examination remotely — no site visit, no questions to your staff, nothing that signals an investigation is underway. We tell you exactly what's been taken, how, and over what period, with evidence that stands up. If you'd rather we come on-site, we can — but we never need to in order to find it.
Nobody on your team needs to know. We work from data you hand us, so there's nothing on the floor to notice and no one tipped off before you're ready to act.
The whole examination runs off read-only bank, card and accounting exports — no office visit required. Fast to start, and invisible to the person you're worried about.
Documented findings to an evidence standard that supports a quiet exit, an insurance claim, a police referral or recovery — whatever you decide to do once you know.
It is an investigative analysis that compares what actually happened in your bank accounts against what your accounting system says happened. We ingest the real transaction history from every account — up to seven years — normalise it, and reconcile it line by line against your ledger using banking-analysis algorithms, so discrepancies, missing money and manipulation surface that a routine reconciliation or statutory audit would never catch.
We take the full statement history for each bank, card and merchant account — typically up to seven years — and load it into our banking-analysis algorithms alongside an export of your accounting system. The algorithms match, categorise and reconcile every transaction across accounts and over time, then flag the entries that don't reconcile, repeat, round-trip, or appear in one system but not the other. A senior specialist reviews every flag before anything reaches you.
Unrecorded income and cash skimming, ghost or duplicate vendors and fake invoices, duplicate and altered payments, payroll and reimbursement fraud, personal spending run through the business, missing or diverted deposits, round-tripping between accounts, and plain reconciliation errors that have been quietly compounding. It is equally useful for confirming that everything reconciles cleanly.
No. This is a forensic and investigative analysis, not a statutory financial-statement audit or assurance engagement under the Corporations Act, and it does not produce an audit opinion. Its purpose is to find fraud, discrepancies and money that has gone missing, and to document findings to an evidence standard that supports an investigation, a recovery, an insurance claim or a referral.
When you suspect internal fraud or bookkeeper or employee theft, before or after an acquisition, when figures never quite reconcile, during a partnership or shareholder dispute, in insolvency or administration, or simply when an owner wants independent assurance that the books match the bank. It is often the fastest way to turn a nagging suspicion into a clear, documented answer.
As a financial-security firm, data handling is our discipline. Statements and accounting exports are processed under NDA, in controlled, access-limited environments, used only for the analysis, and returned or destroyed on your instruction. We can work from read-only exports and never need the ability to move money.
Often, yes. If money is being siphoned off, skimmed or quietly moved out, it leaves a trail in the bank records that the accounting system was adjusted to hide. We examine the real bank data across every account, for up to seven years, and reconcile it against your books — so diverted deposits, unrecorded income, payments to parties that shouldn't exist and funds moved between accounts surface as documented, evidence-grade findings. If nothing is wrong, you get the clean confirmation instead.
A bank record examination is a forensic review of the actual transaction history in your bank, card and merchant accounts — the authoritative record of what really happened to the money — rather than the accounting entries that describe it. We examine the raw bank records with our banking-analysis algorithms and compare them, line by line, against the accounting system to expose discrepancies, missing money and manipulation.
Yes. We can run the entire forensic examination remotely, from read-only bank, card and accounting data you provide — no site visit, no questions to your staff, and nothing on the floor that signals an investigation is underway. That discretion matters: alert the wrong person and the evidence disappears and the money stops moving. We tell you quietly what was taken, how and over what period, with documented evidence, so you decide the next step from a position of knowledge.
Almost always hidden pressure — a gambling habit, a drug or alcohol problem, or debt that has gotten out of control — combined with the opportunity that comes from handling the money and the trust that stops anyone checking. The theft usually starts small and grows. Our job isn't to judge the person; it's to follow the money, establish exactly what's gone, and give you defensible evidence for recovery, an insurance claim, or a referral.
A wide range — employee and insider theft, embezzlement, customer and client fraud, supplier false-invoicing and kickbacks, partner and shareholder disputes, and due-diligence checks before an acquisition. It often starts as a vague suspicion or a number that won't reconcile. We bring the data together and run machine-learning analysis and data-matching across bank, accounting, payroll and other systems to find what's really happening — on-site or entirely remotely, and always with discretion.
Book a free 30-minute call with a senior specialist. Tell us how many accounts and how far back, and we'll scope a forensic accounting audit — and tell you what we'd expect to find.
Tell us what's going on — a senior specialist replies within one business day. Free, confidential, no obligation. Or email contact@financialcrimeadvisory.com.au.