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: employees submit consistently because there is no app to install. Finance sees claims in real-time as they come in.
See how WhatsApp submission works →DIFFERENTIATOR TWO
AI catches six categories of fraud at submission, before approval
Most expense tools flag fraud during audit, weeks or months after payment. REME's six AI agents check every claim in 200 milliseconds, before the money moves. Duplicates, currency mismatches, handwritten irregularities, out-of-country claims, disallowed multi-currency, data mismatches — all caught at submission.
The measurable outcome: fraud losses drop systematically over your first twelve months of REME.
See the AI fraud engine →Why finance teams choose REME
Not because we promise specific numbers, but because we ship a platform that catches fraud at submission before it becomes a loss, and puts finance in control of policy without hand-review bottlenecks.
Fraud caught at submission, not audit
Six AI agents check every claim before approval, not after payment. Fraudulent claims never become paid claims.
Zero adoption friction
Employees submit via WhatsApp, email, or web upload, whichever works for them. No app to install, no account to create, no training required.
Your policy, extensible
Two configurable controls live today (high-risk rules, auto-approval). New controls added quarterly based on customer requests.
Systematic fraud reduction over 12 months
Baseline your exposure in the first three months. Watch losses drop quarter by quarter as employees learn what gets caught and our AI learns your patterns.
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 200 milliseconds — duplicates, handwritten claims, currency, out-of-country, disallowed multi-currency, data mismatches.
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 fraud detection engine runs six specialized AI agents in parallel on every claim. Each catches a different fraud pattern. The combined system catches what no single rule engine can find, and gets more accurate on your specific employees and vendors over time.
What REME does that other expense platforms don't
Every expense platform captures receipts and processes reimbursements. REME does that too. What REME adds is fraud detection at the submission gate. Six AI agents plus two configurable controls check every claim before approval. Nothing gets to the payment stage that shouldn't have.
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 (based on ACFE 2024 industry data)
$18,720
REME's six AI fraud agents catch this at submission, before approval. Book a demo to see how much you'd recover on your own specific claim volume.
Estimate based on ACFE 2024 industry data on median company fraud loss. Your actual fraud exposure varies by industry, review process, and employee tenure. Book a demo for a walk-through on your specific expense volume.
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.