THE FRAUD-FIRST EXPENSE MANAGEMENT PLATFORM
Stop expense fraud at the door.
Not after the money is out.
REME's AI runs six fraud detection agents on every claim before approval. Duplicates, currency mismatches, handwritten irregularities, data mismatches — all caught at submission. Employees submit via WhatsApp, email, or web. Your fraud losses drop systematically over your first twelve months.
ISO 27001:2022 · GDPR · PDPA · Deployed in 1 to 2 weeks
REME Expense Bot
Online · Always ready
Hi! Send me your receipt photo and I'll process your expense claim instantly 📸
✅ Receipt processed!
💰 Reimbursement queued for next payroll cycle.
Used by finance teams across Singapore, Indonesia, India, and Australia
SUBMISSION
Employees submit however works for them
Every submission runs through the same fraud detection engine. The channel doesn't affect what gets caught.
Employees send a receipt photo to your company's ReimburseMe WhatsApp number. No app download, no account, no password. Works on any phone with WhatsApp.
Employees forward the receipt to your company's ReimburseMe email address. Works from any inbox on any device. Ideal for forwarding vendor receipts that arrive in the inbox.
Web upload
For employees who prefer a desktop interface or need to upload multiple receipts at once. Drag and drop, or click to upload.
Need a custom channel? Slack, Teams, SMS, or your own internal system can be added typically in two to four weeks. Contact our team during your demo.
THE ROI STORY
Watch your fraud losses drop, quarter by quarter
The measurable outcome isn't 'we caught X in fraud last month.' It's 'we had X fraud losses in Q1 and we have Y in Q4, and Y is much smaller than X.' Here's how it works.
Baseline
Our engine catches fraud and duplication that was previously undetected. You see your real exposure for the first time. Most finance teams discover their fraud problem is bigger than they thought.
Systematic reduction
Employees learn what gets caught. Fraud attempts drop. You tighten custom controls based on what our engine surfaces. Our AI learns your specific vendor patterns and gets more precise. Fraud losses drop quarter by quarter.
Sustained low fraud
Behavioral change (employees stop trying) and detection capability (our engine catches remaining attempts) work together. Fraud losses stay at a stable low level.
Two reasons REME is different from every other expense tool
DIFFERENTIATOR ONE
The enterprise-grade expense platform built on WhatsApp
Every other expense tool needs an app, a login, and training. Half your team never bothers. REME runs on WhatsApp — the app already on every phone. Submission is one tap.
The result: 90%+ typical submission rate. Three minutes to first claim.
See how WhatsApp submission works →DIFFERENTIATOR TWO
AI catches fraud before claims get approved — not during the audit
Most expense tools flag fraud during audit — months after the money's gone. REME's six AI agents check every claim in 200ms — duplicates, currency mismatches, altered receipts, collusion. Caught before approval, not after.
The result: 8–12 fraud cases caught monthly. 70–85% reduction vs. manual review.
See the AI fraud engine →The numbers CFOs actually care about
Measured across companies onboarded over the last twelve months. Real customer data, not projections.
95%
Faster processing
vs. manual or spreadsheet workflows
Submission to approval
90%+
Submission rate
WhatsApp is already on every phone
No app download or login required
8–12
Fraud cases caught
per month per company
Across all customer accounts
60%
Admin time saved
for finance teams
During month-end close
Four steps. Zero adoption risk.
The biggest reason expense tools fail isn't the tool — it's that nobody uses it. REME is built on the one app your team already has open.
Employee submits a receipt
Sends a receipt via WhatsApp, email, or web upload. Nothing to download.
AI reads, checks, and classifies
Six AI agents in parallel under 200ms — OCR, duplicates, currency, image forensics.
Manager approves in one tap
Manager sees a clean AI summary. One tap to approve.
Finance closes the loop
Claim flows to your accounting system. Reconciliation automated. Reports real-time.
What month-end actually looks like
The promise is "close month-end faster." Here's what that means in practice.
Three days of chaos
- 3 days reconciling expense reports across departments
- 47 emails chasing employees for missing receipts
- 12 spreadsheets, 3 versions of the truth
- 2 fraudulent claims paid (you find out next quarter)
- Approval queue stretches into the weekend
Two hours of review
- 2 hours reviewing pre-approved claims in one dashboard
- Zero emails — AI nudges employees on WhatsApp directly
- One source of truth, real-time, every department
- 8 fraudulent claims caught and quarantined this month
- Month-end closes on time, every time
Six AI agents. Every claim. Under 200 milliseconds.
REME's AI fraud detection runs six specialized agents in parallel on every claim. Each agent checks a different vector. The combined system catches patterns no single rule engine can find — and gets more accurate on your specific employees and vendors over time.
Customer outcomes
What finance teams say
after month one
Our staff actually enjoy submitting expenses now. The AI eliminated almost all manual entry errors — and we closed last month-end in two hours instead of three days. I didn't expect it to be this smooth.
3 days
shaved off every single close
Dimas Ismail
Finance Manager · NS2 · Indonesia
90%+
WhatsApp submission rate
across all seniority levels — including staff who'd never used an expense tool before
"I've never used an expense app in my life. With REME I just send a photo on WhatsApp and it's done. Took me 30 seconds the first time."
Ravi Menon
Sales Lead · India
8–12
fraud claims caught every month
"We caught three duplicate claims in the first week alone. The AI flagged things our manual review had been missing for months. It paid for itself immediately."
Sarah Tan
CFO · Singapore
"We cut month-end close from four days to six hours. The fraud catches alone paid for REME in the first quarter. I wish we'd switched two years earlier."
4 days
→ 6 hours at close
Ahmad Fauzi
Group CFO · SmartGen · Malaysia
Works with what you already run on
REST API available for custom integrations.
REME vs traditional expense tools
If you've been burned by Concur, Expensify, or a spreadsheet-and-email workflow, here's what's different.
| Feature | REME | Traditional expense tools |
|---|---|---|
| WhatsApp submission | ✓ | — |
| AI fraud detection (6 agents) | ✓ | — |
| Real-time processing (<200ms) | ✓ | — |
| Zero training required | ✓ | — |
| Multi-channel submission | ✓ | Limited |
| Automated OCR | ✓ | ✓ |
| Approval workflows | ✓ | ✓ |
| Reporting & analytics | ✓ | ✓ |
Calculate your fraud exposure in 10 seconds
The ACFE 2024 Report found the median company loses 5% of revenue to occupational fraud. Here's how that translates to your numbers.
Estimated annual fraud loss
$18,720
REME catches 70–85% of this — typically $14,508/year recovered.
Estimate based on ACFE 2024 industry data. Your actual fraud rate depends on review process, employee tenure, and industry. REME's audit during onboarding gives you the exact number.
Questions CFOs ask before buying
Six categories, all at submission before approval. Duplicate receipts submitted twice from different angles. Handwritten claims where amounts may have been inflated. Currency mismatches between receipt and claim. Out-of-country claims from unauthorized locations. Disallowed multi-currency claims against your policy. Data mismatches between what the receipt shows and what the employee submitted. All six checks run in parallel in under 200 milliseconds.
Three channels, whichever is easiest for them on the day. WhatsApp (send a photo to your company number), email (forward the receipt to your company address), or web upload (for desktop users). All three feed the same fraud detection engine. Custom channels like Slack, Teams, or SMS can be added on request, typically in two to four weeks.
Measured in your own data. Baseline your fraud exposure over months one through three. Watch losses drop quarter by quarter as employees learn what gets caught and our AI learns your patterns. By month twelve, fraud losses are systematically lower and stay there. The measurable outcome is your month one fraud caught versus your month twelve fraud caught, in your own currency, on your own volume.
Yes. Beyond AI pattern detection, REME has a configurable controls layer. Today you can set high-risk vendor lists, category blocklists, thresholds, and pre-approved vendor and amount rules for auto-approval. The controls layer is extensible: new custom controls are added quarterly based on customer requests. Recent examples include category ratio rules and location-aware rules. If your finance team runs specific policy checks manually today, mention them during the demo.
Not directly. REME is an expense management and fraud detection platform, not a tax compliance platform. We capture and validate expense data cleanly. Your finance team uses that clean data for your own tax reporting workflow. We offer several free tax calculators as utilities at our tools section, which many finance teams find useful. Actual tax rule application is your finance team's decision, not ours.
Typically one to two weeks of active work for mid-market customers. Faster for smaller teams, sometimes longer for complex integration requirements. Full details are covered in the demo.
REME is ISO 27001:2022 certified. Data is encrypted in transit and at rest. We align with GDPR and PDPA (Singapore Personal Data Protection Act) standards. Our security documentation is available on request during procurement.
Two options. Start a free one-month trial at app.reimburseme.ai to explore the platform yourself. Or book a twenty-minute demo where our team walks through fraud detection and configurable controls tailored to your workflow. Whichever fits.
Most finance teams know what they want to fix. Few find time before next month-end.
Close the month on time. Starting this month.
Set up in 60 seconds. First receipt processed in 3 minutes. No app downloads, no logins — WhatsApp works on every phone your team already carries.