01
Bank-to-books reconciliation
Data clean-up, unmatched items, timing gaps
AI-native forensic accounting
Finaley verifies a company’s books and issues a signed report anyone can rely on:
- The founderraising money
- The investorwriting the cheque
- The boardwatching for leakage
- The banklending against it
Companies we work with
Who it's for
Built for investorsacquirersCFOsaudit committeeslendersfounders raising
who need to trust the numbers.
Pre-investment diligenceVendor fraud checksMonthly books monitoringPre-IPO clean-upLender covenant reviewsM&A target screeningRelated-party flow tracingPayroll ghost-employee checks
Investors
Know the numbers are real before the wire goes out.
Acquirers
Find what the data room doesn't show you.
CFOs
See it before your auditor, lender or board does.
Lenders
Check the borrower's books, not just their deck.
See Finaley at work
From your books to a signed answer.
Diligence report · FIN/2026/0142
Target Co. Pvt. Ltd.
Now
Accredited review
Signed report due
17 Oct
Fixed price
$9,800
- 01Books connected · Tally Prime · read-onlyDone
- 02Data measured · 186,420 transactionsDone
- 03Quote approved · $9,800 fixedDone
- 04Engine tests · 6 tests on every entryDone
- 05Accredited review · Flags, documents, interviewsIn progress
- 06Signed report · On partner letterheadUp next
Know where your review is, without asking.
Every engagement has a six-step tracker, a due date and a fixed price on one screen.
- No status-update calls or email chases
- The date the signed report is due, from day one
- Every change logged in the activity feed
The work of a forensic team.
The price of a fixed quote.
Finaley reads a company's ledgers, bank statements, vendor and payroll records, finds what doesn't add up, and hands you signed findings you can act on. You buy a finished report, not a login.
See how it works- of the work done by the engine
- 80%
- of the work done by the engine
- turnaround on a light diligence
- 3-day
- turnaround on a light diligence
- of flags traced to source transactions
- 100%
- of flags traced to source transactions
- price, agreed before work starts
- Fixed
- price, agreed before work starts
How the work splits
80% engine. 20% the signature.
80% Engine20% Accredited professional
- Data clean-upEvery ledger normalised
- Bank-to-books reconciliationEach bank line matched
- Journal entry testingRound, weekend and late entries
- Vendor and employee matchingShared accounts and addresses
- AML pattern screeningStructuring, round-tripping, PEPs
- Benford's law and outliersDigit tests on every account
- Draft findings memoEach flag tied to its source
- Judge every flagFalse positives dismissed
- Documents and interviewsEvidence and management Q&A
- Sign the reportA credentialed name on it
Keep scrolling to see every step
Fraud hides in volume. Our engine reads every transaction; a credentialed person takes responsibility for the conclusion.
How it works
What happens to your books, step by step.
- 1
Share your books
Connect Tally, Zoho Books, QuickBooks or Xero with read-only access, or send ledger exports, bank statements, vendor and employee masters and payroll. Pick a scope: diligence, a health check, or monitoring.
Connect your books
Tally PrimeConnectZoho BooksConnectQuickBooksConnectXeroConnect⇪GL_FY24.xlsx⇪Bank_HDFC_0412.pdf⇪Vendor_master.csv⇪Payroll_Q4.xlsx - 2
Fixed price, up front
The engine measures the data: entities, months, transactions, bank accounts and jurisdictions. You get one USD price before any work starts. It is set by the size of the data, never by hours, and it does not move.
Measuring your data
0%Entities0Months covered0Transactions0Bank accounts0Jurisdictions—ApproveFixed price · Diligence report
$0
- 3
The engine does 80%
It reconciles bank to books, tests every journal entry, matches vendors against employees, screens for AML patterns and runs Benford's law. Every flag is tied to the transactions behind it.
Engine running · 6 tests
0 flags0 / 1,204 checks
03 MarApex Traders₹4,99,00004 MarOffice rent₹2,10,00009 MarS. Kumar Supplies₹3,40,00010 MarAWS India₹88,450Sun 12 MarManual JE #4471₹10,00,00015 MarPayroll₹18,22,30017 MarApex Traders Pvt₹1,20,00021 MarGST payment₹2,93,12002 AprManual JE #4502₹6,75,00005 AprBlue Ocean LLC$40,000 - 4
A forensic accountant signs
A credentialed reviewer works through the flags, discards false positives, requests supporting documents and interviews management where needed. Then they sign. That signature is what you pay for.
Forensic review findings
Target Co. Pvt. Ltd. · FY23–FY24
- Vendor shares bank a/c with employeeFinding
- Weekend posting, routine payrollDismissed
- 38 manual entries after period closeFinding
- Round amount, approved rent depositDismissed
- Circular flow with related partyFinding
- Duplicate vendor, merged in FY23Dismissed
A. Mehta
Licensed professional · Partner, signing firm
- 5
Field verification, on request
Need proof a flagged vendor really exists? On request, Finaley's on-ground verifiers visit the registered address and check there's a real business operating there. Photos, location and notes go into the report.
Vendor V-2291 · Field check
On requestUnit 4B, Andheri East · 19.1136° N- ✓Address visited
- ✓Photos and GPS recorded
- ✓Signage or staff on site
- ✓Notes added to report
What the engine tests
Six tests. Every transaction. No sampling.
02
Journal entry testing
Round amounts, weekend postings, late manual entries
03
Vendor and employee matching
Shared bank accounts, addresses and phone numbers
04
Revenue and earnings red flags
Early revenue, pushed expenses, inflated cash flow
05
AML pattern screening
Structuring, round-tripping, sanctions and PEP lists
06
Benford's law and outliers
Digit tests, statistical outliers, trend breaks
Want these six tests run on your books?
Where single-country tools stop
Built for books that cross borders.
Most forensic software is built for one market. Finaley checks the books against each country's regulatory records, and follows the money when it leaves.
01 · India and UAE
Regulatory data cross-checks
What the company filed with the government, tested against what its books say.
- INGST returns vs the sales and purchase books
- INMCA director and shareholder records vs related-party payments
- INTDS returns vs payroll and contractor payments
- AETrade licence status and activities vs what the company actually trades
- AECorporate tax registration and filings vs reported profit in the books
Every mismatch is traced to the entries behind it and reviewed before it becomes a finding.
02 · India, UAE and US
Cross-border AML tracing
Related-party money followed across jurisdictions, where single-country checks lose the trail.
- INIndiaParent pays a 'consultancy' invoice
- AEUAEFree-zone entity, same director
- USUnited StatesReturns as a shareholder loanLoop closed
Led by Vaanii Joshi, AML and forensic accounting specialist. Example flow, for illustration.
Evidence, not opinions
Every flag comes with the numbers behind it.
Statistical tests like Benford's law show where a ledger stops behaving like real business activity. Each spike links back to the exact entries, users and dates, so your signer, your board or an investor can check it line by line.
Benford's law · first digit
ExpectedThis ledger
1
2
3
4
+6.3 pts
5
6
7
8
9
Illustrative output. Amounts starting with 5 appear far more often than expected, a pattern that often points to entries kept just under a ₹5L approval limit.
Who signs your report
Every report names the people who worked on it. Our associates prepare the findings, a specialist reviews them, and a licensed partner firm in your jurisdiction signs on its own letterhead.
| Jurisdiction | Signed by |
|---|---|
| India | Chartered AccountantICAI Forensic Accounting and Investigation Standards |
| United Arab Emirates | Registered auditorUAE auditor registration rules and AML/CFT law |
| United States | CFE or forensic CPAAICPA Statement on Standards for Forensic Services; ACFE Code of Professional Standards |
| United Kingdom and EU | Chartered or certified accountantThe signer's professional body (for example ICAEW, ICAS or ACCA) and local AML rules |
Vendor site visits are available on request. Ask about your jurisdiction.
Finaley.
Forensic review findings
Ref. FIN/2026/0142
Sign-off page
- Prepared for
- Target Co. Pvt. Ltd.
- Scope
- FY23–FY24 · 2 entities · 186,420 transactions
- Result
- 5 findings, each linked to source entries
Prepared by
Darshni Gala · US Compliance Specialist
Reviewed by
Vaanii Joshi · AML and forensic accounting specialist
Signed by
Signing Partner
Partner, Chartered Accountants (ICAI member firm)
Membership no. ●●●●●● · 14 Oct 2026
Forensic review findings within the stated scope. Not an audit opinion.
Finaley.
Health check findings
Ref. FIN/2026/0157
Sign-off page
- Prepared for
- Northwind Foods FZ-LLC
- Scope
- FY25 · 1 entity · 41,800 transactions
- Result
- 3 findings, 11 flags dismissed
Prepared by
Darshni Gala · US Compliance Specialist
Reviewed by
Vaanii Joshi · AML and forensic accounting specialist
Signed by
Signing Partner
Registered auditor, United Arab Emirates
Membership no. ●●●●●● · 21 Oct 2026
Forensic review findings within the stated scope. Not an audit opinion.
Finaley.
Monthly monitoring note
Ref. FIN/2026/0163
Sign-off page
- Prepared for
- Kestrel Holdings Inc.
- Scope
- Sep 2026 · 3 entities · 12,940 transactions
- Result
- 1 new finding, 2 closed
Prepared by
Darshni Gala · US Compliance Specialist
Reviewed by
Vaanii Joshi · AML and forensic accounting specialist
Signed by
Signing Partner
CFE or forensic CPA, United States
Membership no. ●●●●●● · 1 Nov 2026
Forensic review findings within the stated scope. Not an audit opinion.
Know your associates
Every engagement is handled by people who know this work.
Accountants, lawyers and forensic specialists across AML, forensic accounting, finance law, technology and US compliance. More signing partner profiles are coming soon.
Vaanii Joshi
Founder & CEO
AML and forensic accounting legal specialist.
Forensic accountingFormer ICAI President
Forensic Accountant
Former President, Institute of Chartered Accountants of India (ICAI), 2009–10.
Kapil Chandwani
CTO
Tech lawyer leading the engine and the read-only connections into your books.
Finance law
Senior Associate
Finance law consultant.
Darshni Gala
US Compliance Specialist
Dual-qualified lawyer specialising in US compliance.
UAEAudit
Registered Auditor, UAE
Signs findings on UAE engagements.
CFEUnited States
Certified Fraud Examiner, US
Signs findings on US engagements.
UK and EUForensic accounting
Chartered Accountant, UK
Reviews and signs UK and EU engagements.
AMLCross-border
AML Analyst
Traces related-party money across India, the UAE and the US.
DataEngine
Forensic Data Engineer
Builds the engine's ledger tests and read-only connections.
Pricing
One price, agreed before work starts.
Set by the size and complexity of your data. No retainer, no hourly billing, no surprise invoice at the end.
Health check
A first look at one entity's books
From$1,500
USD · Up to $5,000, set by data size
- One entity, up to 24 months
- All six engine tests
- Signed findings memo
- Signed in about 3 days once data is in
Most requested
Diligence report
For investors, lenders and acquirers
From$5,000
USD · Up to $25,000, set by complexity
- Multiple entities and jurisdictions
- Management interviews where needed
- Signed report you can share with third parties
- 3 days for a light diligence; a fixed date for larger scopes
Monitoring
The engine runs on your books every month
From$500/mo
USD · Up to $2,500 a month
- Continuous testing as entries post
- Alerts when something new is flagged
- Short signed note on a fixed day each month
- Cancel any month
Every plan includes
- Every flag tied to the source transactions
- A named, credentialed signer on every report
- Scope and limitations stated in writing
- Field verification available on request, quoted separately
Security and structure
Built for confidential
financial data.
Our reports present forensic review findings, or the results of agreed-upon procedures, with scope and limitations stated in writing. They are not an audit opinion.
Read-only connections
Tally, Zoho Books, QuickBooks and Xero connect with read-only access. We never post, edit or delete an entry in your books.
Separated by design
Finaley's technology company runs the engine. A licensed partner firm in each country reviews and signs. The regulated work stays with the licensed party.
Traceable findings
Every flag in the report links back to the exact ledger lines and bank transactions behind it, so anyone can check our work.
Confidential by default
An NDA is in place before data arrives. Data is used only for your engagement and deleted on request when it ends.
Questions
Finaley handles your books under an NDA, with read-only access and a named reviewer accountable for every finding.
Traditional firms bill by the hour and start with weeks of manual data work. Our engine does that work in hours, so a credentialed reviewer spends their time on the findings that matter. You get a fixed price up front and a signed report in days.
No. Our reports present forensic review findings, or the results of agreed-upon procedures, with the scope and limitations stated clearly. They are not an audit opinion and they do not replace your statutory auditor.
A licensed forensic professional where the company is registered: a Chartered Accountant firm in India, a registered auditor in the UAE, a CFE or forensic CPA in the US, and a chartered or certified accountant in the UK and EU. Their name is on every report.
A light diligence is signed in about 3 days once we have the data. Larger scopes come with a delivery date in the quote. Monitoring clients get a signed note on a fixed day each month. The main variable is how fast supporting documents arrive.
Yes, on request. Finaley's on-ground verifiers can visit a flagged vendor's registered address and record whether a real business is operating there. It's quoted separately, only for the vendors you want checked.
Yes. Most clients start with a health check on one entity. If it's useful, move to monitoring and the engine keeps running on your books every month.