Defensive Layer

Financial Immune System™

Most businesses don't get taken out by one big obvious event. They bleed out slowly — through duplicate invoices, vendor creep, payroll irregularities, processing overcharges, and small anomalies no one has time to trace.

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What the Immune System™ catches:

$12,420 in recoverable errors · $2,170/mo in waste

Hidden in a "clean" set of books

Threat Status

3 Anomalies Detected

Review Required

Duplicate Payment

$2,400

Vendor Overbilling

+34%

Processing Rate

3.1% vs 2.5%

Payroll

Normal

Duplicate Detected

Invoice #3847 appears to match a payment from Oct 3. Amount: $2,400. Recommend: hold before release.

The Hidden Threat

Your Books Look Clean. They're Not.

Industry data shows 1-3% of business spend is lost to fraud, errors, and waste. For a company spending $160K/month, that's $19K-$58K per year bleeding out through cracks no one is watching.

Continuous Monitoring

What the Financial Immune System™ Watches

Vendor & Subscription Drift

Slow creep and sudden jumps

Vendors quietly raising prices over time
New line items added to existing subscriptions
Stacked tools doing the same job
"Trial" tools that became permanent

Example: "Vendor B billing increased from $1,250 → $1,980 over 90 days. No corresponding usage increase. Review for unapproved add-ons."

Duplicate Invoices & Overpayments

What slips past busy humans

Same invoice paid twice
Modified duplicates (date/reference changed)
Refunds or credits not applied
Double-billing across departments

Example: "Invoice #7842 and #7842-A share the same vendor, period, and amount ($6,400). Confirm before paying."

Suspicious Transaction Patterns

Activity outside your normal rhythm

Unusual timing (weekends, off-hours)
Amounts outside prior ranges
New vendors similar to existing ones
Sudden category spikes

Example: "11 charges from a new vendor in 7 days — 7 outside your normal amount range. Review for legitimacy."

Payroll Irregularities

Subtle shifts that get expensive

Unusual overtime surges
New payees added unexpectedly
Classification changes (contractor ↔ employee)
Repeated "one-time" bonuses

Example: "Payroll variance +$2,880 this cycle. Overtime hours +72 compared to prior period. Confirm before next run."

Payment Processing Overcharges

Hidden fees and rate creep

Effective rates higher than contracted
Interchange padding and hidden markups
Non-qualified transaction downgrades
PCI fees, batch fees, gateway fees not in agreement

Example: "Effective rate this month: 3.1%. Contracted rate: 2.5%. On $65,000 volume, you overpaid $390. 6-month total: $2,340."

Burn-Rate & Runway Threats

Cost-side runway compression

Expense categories growing faster than revenue
Vendor expansions misaligned with strategy
Fixed costs rising faster than top-line
Spending patterns accelerating burn

Example: "Non-revenue expenses up 14% this month. At this rate, runway shortens by ~32 days next quarter."

Under the Hood

How the Financial Immune System™ Works

Continuous monitoring. Pattern detection. Plain-English alerts.

Ingest

Read-only connection to your bookkeeping system. Invoices, bills, bank feeds, payroll.

Pattern Map

We model your normal: spend ranges, timing patterns, payroll behavior, variance.

Detect

When something breaks pattern, we identify what changed, how much, and why it matters.

Alert

Plain-English summary, financial impact, and recommended action. Delivered to your inbox.

Threat Levels

Immune System™ Thresholds

Healthy

30 days No anomalies in

Vendor billing within ±10%

No duplicate payments detected

Payroll variance < 5%

Processing rate within 0.1%

Elevated Risk

anomalies per month 1-2

Vendor billing 10-25%

New vendors receiving >$5K

Payroll variance 5-15%

Processing rate 0.1-0.5%

High Alert

anomalies per month 3+

Confirmed duplicate or unauthorized payment

Vendor billing >25%

Payroll variance >15%

Processing rate >0.5%

Real Results

$38,460 Found in a "Clean" Set of Books

A professional services firm with $160K/month in expenses assumed everything was under control. Their bookkeeper was diligent. Their accountant reviewed quarterly. The Financial Immune System™ found what manual review missed.

What Helcyon Found

Duplicate payments: $7,200 over 90 days (3 invoices at $2,400 each paid twice)
Subscription creep: +$1,140/mo across 3 tools (unapproved tier upgrades)
Unused software licenses: $640/mo (12 seats licensed, 12 unused)
Payroll variance: $2,880 (72 hours unauthorized overtime at $40/hr)
Processing overcharges: $2,340 over 6 months (3.1% vs contracted 2.5% on $65K/mo)

Prescriptions Delivered

Recover duplicate payments and request vendor credit
Downgrade 3 tools to contracted tier levels
Cancel 12 unused software seats
Implement overtime approval workflow
Request processor rate audit and credit for overcharges

$12,420

One-Time Recoveries

$2,170/mo

Ongoing Savings

$38,460

First-Year Value

Integrated Defense

How It Protects Your Vital Signs

The Financial Immune System™ is the defensive layer that protects every metric your Business Vital Signs™ report on.

When waste or fraud compresses runway

→

Cash Pulse™ weakens

When vendor drift creates revenue volatility

→

Revenue Blood Pressure™ elevates

When a key client's billing pattern shifts

→

Customer Heartbeat™ flags it

When cost creep erodes profitability

→

Margin Temperature™ rises

When growth introduces unhealthy spend

→

Growth Oxygen™ drops

See What Your Books Are Hiding

Fraud, waste, and silent cash leaks — without doing a manual audit.