EXPENSE MANAGEMENT WITH BUILT-IN LEAKAGE REDUCTION
Find every dollar leaking.
Block it live.
Shrink the leak.
REME's expense platform combines frictionless submission, six AI fraud detection agents, and measurable leakage reduction. Find your baseline in 90 days. Cut it by more than half in the next nine months.
ISO 27001:2022 · Six AI agents · Three submission channels · 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.
THE THREE-COMPONENT MECHANISM
How REME actually works
Find
Baseline your leakage in 90 days
Every submitted claim gets screened and logged, including blocked ones. After 90 days of active team submission, you get your Leakage Report: your exact baseline rate, expressed per $100k of spend. This is the moment you see your true exposure for the first time.
See how the 90-day baseline works →Block
Six AI agents screen every claim in real time
Duplicates. Currency mismatches. Out-of-country claims. Handwritten irregularities. Data mismatches. Disallowed multi-currency. Six specialized AI agents check every claim at submission in under 200 milliseconds. Fraud never becomes a paid loss.
See the six AI agents →Shrink
Cut your leakage rate by more than 50% in 9 months
Once your team knows every claim is checked, attempts drop. Detection catches what does happen. Deterrence prevents most of it from happening at all. Your dashboard tracks the reduction curve from baseline to 12-month target.
See the 9-month reduction curve →Adoption caveat: baseline accuracy depends on your team's active submission during the 90 days. Our onboarding drives full team adoption typically within 4-6 weeks.
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 90-DAY BASELINE + 9-MONTH REDUCTION
Watch your leakage rate drop, quarter by quarter
The measurable outcome isn't 'we caught X fraud last month.' It's your leakage rate at day 90 versus your leakage rate at day 365, on your own dashboard, in your own currency, on your own spend volume. Here's how the two windows work.
Baseline
Zero prep required
No data migration. No historical uploads. Your team submits claims through REME, and our six AI agents screen every one. Attempts are logged (including blocked ones). At day 90 you receive the Leakage Report: your baseline rate, your concentration areas, and your reduction target.
Reduction
Deterrence + AI at work
Once your team knows every claim is screened, attempts drop. Your finance team tightens configurable controls based on what the baseline surfaced. Our AI learns your specific vendor patterns and gets more precise. Your leakage rate falls quarter by quarter.
Sustained
The new normal
By month 12, most REME customers see leakage rates that are less than half of their day-90 baseline. Detection keeps working. Deterrence has changed employee behavior. The leakage rate stays at a stable low level from here.
THE DAY-90 RITUAL: The Leakage Report is REME's signature moment. A generated PDF you can forward to your board or audit committee. Your baseline number, category concentration, and 12-month reduction target, on one page. Available at day 90 of every REME deployment.
What makes REME different from every other expense platform
Most expense platforms are receipt scanners with approval workflows. REME adds two things nobody else does: a measurable 90-day leakage baseline, and a tracked reduction over the 12 months that follow. Detection is the feature. Deterrence is the ROI.
We measure your baseline. Nobody else does.
AppZen, Oversight, SAP Concur, Ramp, Brex, Navan, and every other expense platform publishes static claims. 'Up to 5% saved.' 'Prevents fraud.' None measures your specific company's leakage rate. None tracks it over time. REME does both, on your own data, visible on your dashboard from day 90 forward.
We track reduction. Nobody else does that either.
The dashboard shows your leakage rate falling quarter by quarter. Baseline in 90 days. Target: cut it by more than 50% in the next 9 months. This is the outcome you can prove to your board, not just show your team caught some fraud last month.
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
REME is the only expense platform that measures your leakage baseline and tracks reduction over time. Others give you receipt processing. We give you an outcome curve.
| Feature | REME | Traditional expense tools |
|---|---|---|
| Measure your leakage baseline (90 days) | ✓ | — |
| Track reduction over 12 months | ✓ | — |
| WhatsApp submission | ✓ | — |
| AI fraud detection (6 agents) | ✓ | — |
| Real-time processing (<200ms) | ✓ | — |
| Zero training required | ✓ | — |
| Multi-channel submission | ✓ | Limited |
| Automated OCR | ✓ | ✓ |
| Approval workflows | ✓ | ✓ |
| Reporting & analytics | ✓ | ✓ |
Estimate your leakage exposure in 10 seconds
Industry benchmarks show most companies leak 3 to 5% of their expense spend. Estimate your annual leakage below. Then in your first 90 days of REME, you'll get your actual number, measured on your own data.
Estimated annual leakage exposure (industry benchmark, 3-5% of expense spend)
$18,720
This is an estimate based on industry benchmarks. Your actual leakage rate is likely different. In your first 90 days with REME, our six AI agents will measure your exact rate on your own spend. Book a demo to see how the 90-day baseline works.
Estimate based on industry benchmarks (3-5% of expense spend). Your actual leakage rate varies by industry, review process, and employee tenure. In your first 90 days with REME, you'll get your exact number on your own data. Book a demo for a walk-through.
Questions CFOs ask before buying
For your first 90 days, every claim your team submits gets screened and logged. Blocked ones count too. That gives us your true leakage rate, measured as attempts per $100k of submitted spend. Adoption caveat: baseline accuracy depends on your team actively submitting during those 90 days. Our onboarding drives full team adoption within 4-6 weeks so the baseline reflects your whole company.
Two mechanisms working together. First, our six AI agents keep catching attempts at submission. Second, and this is where the real reduction comes from: once your team knows every claim is checked, most stop trying. Detection catches what happens. Deterrence prevents most of it from happening at all. Target: cut your leakage rate by more than 50% in the 9 months after your baseline.
No formal legal guarantee. What we tell you is what our AI can do (catch it) and what our design intends (drive deterrence). Actual reduction depends on how your team responds to knowing every claim is screened, which varies by company culture. We've built the platform to make this outcome achievable and the dashboard tracks your reduction curve live. If your team is engaged, 50%+ reduction in 9 months is what we design for.
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.