Research library

How the Money Gets Created… and How it Quietly Disappears.

Long-form writing on wire fraud, ACH risk, vendor onboarding, and the structural gap in how companies exchange bank details.

Finance operations desk with a laptop, invoice pages, a bank token, and a phone beside a keyboard

Architecture · Featured

The AI AML audit trail is what survives the override

A score can explain a pause. It cannot, by itself, defend the release, the callback, or the exception that came before settlement.

September 9, 2026 · 5 min read

A controller reviews a payment file beside a laptop showing a security dashboard.

Spend the fraud budget where it can still stop a payment, not after it's too late

Written by Coffr Research DeskPublished on August 14, 2026

Finance desk with wire transfer papers, a phone, bank contact notes, and an open laptop showing an email inbox.

Your BEC wire recovery evidence has a deadline. Ensure you meet it.

Written by Coffr Research DeskPublished on August 14, 2026

Accounts payable analyst comparing a vendor bank change request, an ERP vendor record and a bank payment approval screen

Even if a bank adds scam warnings, biometrics and extra friction, corporate BEC payment controls still have to prove the changed payee before release.

Written by Coffr Research DeskPublished on August 14, 2026

Conference room table with a laptop, phone, bank recall notes, incident contact sheet, and closed folder.

After a BEC wire loss, you risk a second incident while under investigation

Written by Coffr Research DeskPublished on August 14, 2026

Payments infrastructure

Your loyalty payment fraud control looked for the wrong file. Now what?

Written by Coffr Research DeskPublished on August 14, 2026

Two payment operations analysts at a bank desk reviewing payment queues and route choices on monitors

Payments infrastructure

Whoever gives the final "go" to release a payment needs to be approving the payment method that's actually being used

Written by Coffr Research DeskPublished on August 13, 2026

Treasury operations desk with wire approval screen, printed fund notices, payoff letter, and phone handset

The capital call was right. The bank account was not. Now what?

Written by Coffr Research DeskPublished on August 11, 2026

A desk with a payment approval file, bank confirmation, invoice, and ownership chart displayed on a monitor

You cleared the file. You did not prove the payee. Now what?

Written by Coffr Research DeskPublished on August 11, 2026

Desk with laptop, control documents, authentication token device, and sealed vendor notice envelope.

Payment vendor acquisition controls still trust outdated tools.

Written by Coffr Research DeskPublished on August 11, 2026

A finance workstation showing an invoice and payment confirmation with a hardware crypto wallet on the desk

Payments infrastructure

AI agent payment controls should require a close file that proves the named customer authorized the specific invoice before release

Written by Coffr Research DeskPublished on August 11, 2026

Architectural diagram-like view of data lines across a workspace.

You secured the rail. The instruction stayed open.

Written by The Coffr TeamPublished on July 2, 2026

A hand passing a document across a table, backlit by soft window light.

You approved the PDF. Nobody verified the bank account

Written by The Coffr TeamPublished on June 14, 2026

Printed vendor onboarding paperwork and a laptop on a wood desk, overhead view.

You approved the vendor. The bank account came with it

Written by The Coffr TeamPublished on May 28, 2026

A laptop screen displaying a financial dashboard with charts and data tables.

Payments infrastructure

The routine ACH file is carrying more fraud than the wire

Written by The Coffr TeamPublished on May 9, 2026

New to the terminology? The payment fraud glossary defines every term we use here, with primary sources.