The document and the transfer agree on every element checked.
Checks
The checks behind every case.
Justilio matches the document against the payment and the information available. Checks take into account the type of supporting document, the direction of the transfer and the role of each party.
The four statuses
A piece of information or a check needed to continue the review is missing.
Something in the document does not match the transfer.
A serious signal, or several indicators taken together, justify a suspicion that the case explains.
watch point
The status guides the review. It is neither a transfer authorisation nor a certificate of authenticity. Watch points remain visible, even in a consistent case.
What we examine
The document and its file
Format, legibility, calculations, expected mentions and detectable signs of editing. Any trace of tampering is shown with the evidence behind it.
The payment
Amount, date, reference, currency and beneficiary account, depending on the data actually available.
The parties
The payer and the beneficiary are matched against the roles shown on the document. Being named on a document is not enough to explain a payment.
Companies and external sources
Company identity, register status and screening information, depending on the country and the sources available.
Past payments
A new account for a known counterparty, payments already linked to the invoice, or a running total that exceeds the expected amount.
Information still needed
An unreadable amount, an unclear role or an additional document: the case sets out what prevents a conclusion.
Amounts compared according to their role
- For a payslip: the net pay after income tax withheld at source.
- For a payment schedule: the instalment concerned and the payments already linked.
- For a notary’s statement: the amount due to the beneficiary, where it can be identified.
Invoices, payslips, contracts, leases, tax notices, loans or deeds: the scope to evaluate is set with you, based on the documents your institution receives.
Formats
PDFs, photos, scans and usable Factur-X data.
Currencies
When the document and the transfer use different currencies, the amounts are compared if a usable exchange rate is available. Otherwise, the case states that the comparison remains to be done.
Watch points and limits
- A change of account calls for confirmation. On its own, it does not prove fraud.
- The absence of editing traces does not prove that a document is genuine. Some edits leave none.
- An opinion on whether a purchase is unusual may be shown to the analyst. It is labelled as the model’s opinion. It is for information only and does not change the case status.
- Checks depend on the information shared and the sources available. The result shows what is missing.
Frequently asked questions
Does Justilio choose which transfers to review?
Your institution decides which transfers need justifying. Justilio prepares the review of the documents collected for those cases.
Is a bank details document or a proof of transfer enough?
These documents can complement the case. On their own, they do not describe the economic purpose of the payment.
What happens if a register does not respond?
The case shows which check is unavailable. A register outage never triggers a document request to the customer.
Does this replace our sanctions screening?
Justilio’s checks support the document review. Your institution’s screening and monitoring system remains separate.