Stop Out-of-Policy Spend Instantly

Intelligent T&E Compliance Platform Pre-Trip Policy Check Before travel is booked, AI validates: Is this trip within policy? Is hotel rate within city-specific per diem? Is air travel in the correct cabin class for the distance and seniority level? Does the destination require travel approval (restricted countries)? Pre-approval prevents post-trip rejection. Receipt Intelligence AI analyzes receipt images beyond OCR extraction: Merchant Category Code (MCC) cross-check (is this really a 'restaurant' or a nightclub?), date/time logic (dinner receipt at 2

AM on a Tuesday?), attendee verification (business meals require attendee names), and duplicate receipt detection (same receipt number submitted twice). Per Diem & Reasonableness Testing AI compares expenses against: GSA per diem rates by city, company policy limits, peer benchmarks (what do similar-role employees typically spend?), and historical personal patterns (sudden doubling of monthly expenses). Flags statistical outliers for review. Automated Policy Enforcement Based on violation severity: Level 1 (minor — notify employee, auto-approve), Level 2

(moderate — require manager approval + explanation), Level 3 (policy violation — reject with policy citation and resubmission instructions), Level 4 (potential fraud — escalate to Internal Audit). T&E Analytics Dashboard AI generates program-level analytics: total T&E spend by department/project, policy compliance rate (%), average cost-per-trip by destination, top spenders (benchmark against business justification), and trend analysis. Identifies structural savings opportunities (e.g., corporate rate negotiation with the hotel chain where 60% of stays

occur). Implement 'Smart Per Diems' — instead of flat rates, AI calculates city-specific limits based on real-time hotel and meal prices. A $200/night hotel policy makes sense in Kansas City but not in Manhattan. Run quarterly 'Top 50 Spender' reviews — AI generates a report of the 50 highest T&E spenders with business justification and policy compliance scores. Offer 'Virtual Cards' for travel — AI can generate single-use virtual credit cards with the exact approved amount and merchant restrictions, preventing overspend at the point of purchase. Don't

rely on managers to catch expense fraud — studies show managers approve 97% of expense reports without detailed review. AI catches what managers can't. Don't make the T&E policy 50 pages — AI should generate a 1-page visual summary for employees and enforce the detailed rules automatically. Don't penalize employees for AI-system false positives — if a legitimate expense is flagged, the resolution process should be fast and frictionless. The 'Behavioral Nudge' Approach Instead of rejecting expenses after the fact, use AI to 'nudge' employees at the time

of booking: 'You selected a $450/night hotel. Here are 3 policy-compliant options within 0.5 miles that save the company $200/night.' Behavioral nudges reduce out-of-policy spend by 35% without creating the adversarial relationship that post-trip rejections cause.