Built for SACCO continuous audit

Every transaction. Audited. Risk-flagged. Reported. In real time.

Continuous assurance for SACCOs. Every exception detected. Every audit evidenced.

AuditPulse · Core Banking

A new technology infrastructure for SACCO enterprise risk management: automated, continuous evidence-based audit intelligence that monitors every transaction, detects every anomaly, predicts emerging risk, and gives auditors the tools to act before losses occur.

Isometric illustration of stacked ledger plates with a lock

Immutable Ledger

Every transaction sealed into tamper-proof snapshots. Timestamped, hashed, and permanently preserved.

Isometric cube with radar rings illustrating continuous monitoring

Continuous Monitoring

Rules scan every snapshot the moment it lands. Anomalies surface in real time, not at year-end.

Isometric fanned document layers with a checkmark illustrating audit evidence

Audit Evidence

Exceptions arrive pre-packaged with evidence attached. Workpapers drafted, signed off — not written from scratch.

Mobile Banking Intelligence

Every fraud signal.
One inbox.

AuditPulse monitors every mobile banking transaction the moment it lands — flagging high-value transfers, velocity patterns, suspicious payments, and access anomalies in real time. Auditors work from a live, prioritised alert queue, not a monthly report. Every alert is traceable, every finding is evidenced, and every rule is fully configurable to your SACCO's risk appetite.

auditpulse.io / mobile-banking / alerts
MOBILE BANKING

Alert Summary

Real-time fraud and compliance signals across mobile channels.

12
TOTAL ALERTS
12
OPEN ALERTS
7
HIGH SEVERITY OPEN
0
CLOSED TODAY
Fraud Detection Status
Rules: 10 rules active
Last detection: 30 May, 15:40
Alerts this session: 12
Reconciliation Status
No reconciliation run today
AML fraud tripping
0
Open alerts
Compliance view — separate from mobile fraud alerts.
Revenue Assurance Status
No revenue check today
Open Alerts12
High Value Transfer
HV-70d05-00... · 30 May, 15:40
Suspicious Utility / Till / Payroll Pattern
SUF-154031-1 · 30 May, 15:40
Rapid Transfer Velocity
RTB-154031-... · 30 May, 15:40
Excessive Statement Downloads
EXC-17th 9ad... · 30 May, 15:40
Multiple Failed Login Attempts
EXC-14d31l-... · 30 May, 15:40
View all alerts →
Recent Activity
FRAUD EXCEPTION CREATED5/30/2026, 3:40:02 PM
MOBILE EVENT INGESTED5/30/2026, 3:40:01 PM
FRAUD EXCEPTION CREATED5/30/2026, 3:40:01 PM
MOBILE EVENT INGESTED5/30/2026, 3:40:01 PM
MOBILE EVENT INGESTED5/30/2026, 3:40:00 PM
Recent Reports
REPORT TYPEDATERECORDSSTATUSGENERATED AT
SECURITY_INCIDENT28 May 20265COMPLETED5/28/2026, 8:54:20 PM
FRAUD_ALERT28 May 202612COMPLETED5/28/2026, 6:52:37 PM
SECURITY_INCIDENT20 May 20264COMPLETED5/28/2026, 6:25:19 PM
REVENUE_LEAKAGE20 May 202614COMPLETED5/28/2026, 6:25:19 PM
RECONCILIATION_EXCEPTION20 May 202616COMPLETED5/28/2026, 6:25:19 PM
Alert Management

From signal to decision.
In one click.

Every fraud signal lands in a structured, prioritised alert queue — open, acknowledged, and closed. Each alert carries a recommended action, full transaction evidence, and a complete actions history. Auditors investigate and close alerts directly from the platform, with every decision permanently recorded. No spreadsheets. No chasing.

auditpulse.io / mobile-banking / alerts
MOBILE BANKING

Alerts Management

Review and action fraud and security alerts

High Value TransferOPEN
Txn: HV-154001-001 · Member: MEM-154001 · Account: ACC-154001 · 30 May 2026, 15:40
Ensure secondary approval and limits compliance before release.
Suspicious Utility / Till / Paybill PatternOPEN
Txn: SUF-154031-001 · Member: MEM-154031 · Account: ACC-154031 · 30 May 2026, 15:40
Review paybill and till activity for structuring patterns.
Rapid Transfer VelocityOPEN
Txn: RTB-154031-002 · Member: MEM-154031 · Account: ACC-154031 · 30 May 2026, 15:40
Multiple transfers within velocity window — verify member intent.
Excessive Statement DownloadsOPEN
Txn: EXC-154031-003 · Member: MEM-154031 · Account: ACC-154031 · 30 May 2026, 15:40
Unusual download frequency — check for data exfiltration risk.
Multiple Failed Login AttemptsOPEN
Txn: EXC-154031-004 · Member: MEM-154031 · Account: ACC-154031 · 30 May 2026, 15:40
Account lockout threshold reached — confirm credential compromise.
auditpulse.io / mobile-banking / alerts / HV-154001-001
MOBILE BANKING

Alert Detail

HIGHOPENFRAUD

Alert ID: HV-154001-001

Recommended action

Ensure secondary approval and limits compliance before releasing this transfer. Escalate to branch manager if amount exceeds tier threshold.

Transaction
Amount
KES 485,000.00
Date & time
30 May 2026, 15:40
From account
ACC-154001 · Savings
Destination
MPESA · 2547XX · Jane W.
Actions history
Alert created
System
30 May 2026, 15:40
Assigned to auditor
J. Mwangi
30 May 2026, 15:42
Evidence attached
System
30 May 2026, 15:42
Reconciliation

Every mobile transaction.
Matched to the cent.

AuditPulse automatically reconciles every mobile banking transaction against the core banking system — identifying unmatched items, variance amounts, and mismatch reasons in real time. Auditors no longer spend days manually cross-referencing reports. Every discrepancy is surfaced instantly, with the exact transaction IDs, amounts, and accounts involved.

auditpulse.io / mobile-banking / transaction-monitor
MOBILE BANKING

Transaction Monitor

Mobile banking transaction activity and reconciliation status

DATE05/30/2026
Reconciliation started for 2026-05-30. Refreshing data…
Total Mobile Transactions
53
Matched with Core Banking
0
Unmatched Mobile
53
Reconciliation Status
FAIL
Reconciliation Items
Mobile TXN IDCore TXN IDAccountMobile AmtCore AmtVarianceStatusReason
RTV-151653-2—ACC-15165215,000.000.0015,000.00UNMATCHED_MOBILENO_CORE_MATCH
RTV-151653-3—ACC-1516538,500.000.008,500.00UNMATCHED_MOBILENO_CORE_MATCH
RTV-151654-1—ACC-15165422,000.000.0022,000.00UNMATCHED_MOBILENO_CORE_MATCH
RTV-151654-2—ACC-1516553,200.000.003,200.00UNMATCHED_MOBILENO_CORE_MATCH
RTV-151655-1—ACC-15165641,750.000.0041,750.00UNMATCHED_MOBILENO_CORE_MATCH
Revenue Assurance

Not a single shilling
lost to leakage.

AuditPulse verifies every charge, commission, and tariff applied across mobile transactions — detecting zero-charge transactions, commission variances, and tariff deviations automatically. Expected versus applied charges are compared line by line. Every discrepancy is flagged with the exact transaction, amount, and reason. Your SACCO keeps every shilling it is owed.

AuditPulse · revenue-engine→ Initialising revenue assurance scan…→ Loading tariff rules (3 active)…→ Analysing TXN-RA-051629-001…⚠ TARIFF DEVIATION detectedExpected KES 100.00 → Applied KES 50.00COMMISSION VARIANCE: KES -50.00✓ Evidence attached · Alert queuedScan complete · 1 discrepancy flagged→ Opening tariff editor · rules configurableCHARGE COMPARISONExpectedApplied█Monitoring…
MOBILE BANKINGRevenue AssuranceVerify charges, commissions, and tariff compliance05/29/2026Load✓Revenue assurance completed for 2026-05-29. Reloading…Total Txn Analysed1Zero Charge0Tariff Deviations1Commission Variances1Revenue VarianceKES -50Run Revenue AssuranceRun for 2026-05-29Commission Variance RecordsTXN IDEXPECTEDAPPLIEDVENDOR EXP / ACTVARIANCE REASONTXN-RA-051629-00129 May 2026, 16:29KES 100.00KES 50.00KES 40 / 0TARIFF DEVIATION, COMMISSION VARIANCETariff configurations+ Add tariff
Add tariff×TRANSACTION TYPETRANSFERMIN AMOUNT (KES)0MAX AMOUNT (KES)999CHARGE TYPEFIXED ▾CHARGE (KES)100VENDOR SHARE %40SACCO SHARE %60EXCISE %0EFFECTIVE FROM2026-01-01EFFECTIVE TO—Vendor 40%SACCO 60%CancelSave
Security Monitoring

Insider threats don't
hide here.

AuditPulse monitors every login, access attempt, and system activity — flagging excessive statement downloads, multiple failed login attempts, and admin access outside working hours the moment they occur. Security events are fully configurable, severity-scored, and permanently recorded. The threats most likely to go unnoticed are the ones AuditPulse watches most closely.

AuditPulseContinuous assurance. Every transaction.AUDITMobile BankingDashboardAlertsTransaction MonitorSecurity EventsRevenue AssuranceMOBILE BANKINGSecurity EventsFailed logins, after-hours access, and suspicious security activity24H MONITORTotal Security Alerts3Open Security Alerts3High Severity0Closed0Security AlertsAllOpenAcknowledgedRefresh ↻SEVRULETXN IDMEMBERACCOUNTOCCURRED ATSTATUSACTIONExcessive Statement DownloadsSTATEMENT_DOWNLOAD_ABUSEEXC-154031-003MEM-154031—30 May 2026, 15:40OPENView →Multiple Failed Login AttemptsFAILED_LOGIN_ATTEMPTSEXC-154031-004MEM-154031—30 May 2026, 15:40OPENView →Admin Access Outside Working HoursAFTER_HOURS_ADMIN_ACCESSADM-154031-001—ACC-000130 May 2026, 22:15OPENView →
Core Banking Audit

Evidence-first.
Every exception, every time.

Every control weakness detected by AuditPulse arrives pre-packaged with immutable system evidence — locked, hashed, and impossible to alter. Auditors review findings, attach supporting documents, generate workpapers, and close exceptions with a full decision trail. When regulators ask how you reached a conclusion, the answer is already assembled.

evidence-vault · sealedIMMUTABLEa3f8c2e91b047d6…7e2b9f04c8a1d3…f1d0e8a62c9b5f7…4c91b0e7a3f862d…9d2e6f1a8b4c037…b8e3f0c5d2a7914…2a7f9e1c4b806d3…e6c1d8f3a092b57…SEALEDSEALEDSEALEDa3f8c2e91b047d6…7e2b9f04c8a1d3…f1d0e8a62c9b5f7…SNAPSHOT HASH178513be-df65-4a5d-a107-f42b323e5c1fSHA-256 · WRITE-PROTECTED · 3 EVIDENCE BLOCKS

Suspicious Utility / Till / Paybill Pattern

OPENHIGH

Suspicious utility/till/paybill velocity in snapshot (> 3 payments in 30 minutes to same destination).

DATE DETECTED 30 May 2026, 15:40LAST UPDATED 30 May 2026, 15:40
System EvidenceREAD-ONLY · IMMUTABLE
IDACCOUNTAMOUNTTIME
TXN-001ACC-154031KES 4,20015:38
TXN-002ACC-154031KES 1,80015:39
TXN-003ACC-154031KES 2,40015:40

Immutable audit fields. Cannot be edited.

SNAPSHOT ID
178513be-df65-4a5d-a107-f42b323e5c1f
SOURCE SYSTEM
Core Banking · Mobile Banking
BATCH ID
BATCH-20260530-1540
Finding Item Audit Trail
FI-156877-001Data Hash: e4b7…9a2fCreated At: 30 May 2026, 15:40
FI-156877-002Data Hash: c1d3…4e8bCreated At: 30 May 2026, 15:40
Auditor Decision

Notes and one action only: Mark as Closed. No reopen. No transaction or rule editing.

Add notes before closing…Velocity pattern confirmed. Supporting docs attached.
Open — Pending reviewer actionClosed — Decision trail complete
WORKPAPER

This workpaper will include both data-based findings and any findings from document checks you have run.

SUPPORTING DOCUMENTS

Upload and view documents that support this exception investigation. Documents are linked to this exception.

Choose a file or drag and drop here. PDF, Word, or images.

How AuditPulse Compares to the Old Way.

Traditional Periodic AuditArchived
  • Coverage

    Sample-based

  • Frequency

    Monthly or quarterly

  • Detection speed

    Weeks to months after incident

  • Mobile banking

    Not monitored

  • Evidence

    Manually assembled

  • Regulatory exports

    Ad hoc, editable files

  • Fraud prediction

    None

  • Auditor time

    Spent generating reports

AuditPulse Continuous Audit
  • Coverage

    Every transaction

  • Frequency

    Real time

  • Detection speed

    Immediate

  • Mobile banking

    Fully monitored

  • Evidence

    Automatically preserved

  • Regulatory exports

    Tamper-proof, timestamped

  • Fraud prediction

    Machine learning risk scoring

  • Auditor time

    Spent reviewing real findings

Why forward-thinking SACCOs choose AuditPulse

Continuous audit intelligence built for Kenya's SACCO sector.

Continuous ingestion

Transactions are pulled from your core banking and mobile banking systems on a scheduled basis and locked into immutable audit snapshots: timestamped, hashed, and permanently preserved.

HOW IT WORKS

Four steps from connection to continuous audit

01

Connect

Establish secure read-only links to core banking and mobile banking. Your systems stay unchanged; AuditPulse connects on your terms.

02

Ingest

Transactions are pulled on the schedule you define and sealed into immutable snapshots: timestamped, hashed, and permanently preserved.

03

Detect

Configurable rules scan every snapshot. Duplicates, missing references, approval violations, and fraud patterns surface as structured exceptions with evidence attached.

04

Act

Exceptions flow into AI-drafted workpapers and, once approved, a complete management letter. Your auditors review and sign off, not rewrite from scratch.

THE NUMBERS

The numbers behind the urgency

KES 0B+

Estimated annual fraud and insider-loss exposure across Kenya's SACCO sector

0+

Registered SACCOs, most still relying on periodic manual audit cycles

0%

Of high-severity exceptions still open when the annual audit closes

Your audit team should be reviewing findings, not generating reports.

AuditPulse automates the evidence. Your auditors deliver the judgement.