Salary payments look legitimate by design. That's what makes them effective for laundering.
EOR and global payroll platforms move salary, contractor and benefits payments across dozens of jurisdictions for employers and workers they may never meet. Monitoring built for card flows doesn't understand payroll risk. Fortify closes that gap.
Payroll risk sits where most monitoring isn't looking
As your product evolves, risk changes faster than your controls.
Every bad actor on payroll looks like a real hire
Payroll fraud hides inside the most legitimate-looking flow in finance. Mule networks, state-sponsored operatives placed via deepfake interviews, labour exploitation structures where control over worker accounts sits with a third party – none look wrong on a payroll file.
Three populations. Three different risk profiles
Contractors carry the highest risk – self-declared identities, changing receiving details, accounts that route through virtual IBANs to foreign PSPs. Payroll funding can also come from shell businesses where volumes don't match the client's profile.
Every new hiring country is a new compliance regime
FCA, HMRC, FinCEN, OFAC and EU member-state FIUs sit simultaneously across your book. A new hiring country changes your monitoring obligations, your SAR reporting framework and your sanctions exposure – often before the first pay cycle.
Transaction monitoring, risk rating and fraud detection in one place.
Mule activity in salary rails is a fraud loss and a SAR obligation at the same time. Fortify brings both into one system, running on the data warehouse you already have. No data movement, no new security review.
Insight
Test
deploy
investigate
evidence
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Write rules in the language of payroll risk, backtest on your own data
Mule patterns in salary rails, rapid movement after payday and structuring across contractor invoices don't appear in card rule libraries. Write rules in plain language, test them on historical pay runs and deploy without engineering.
Write and amend rules without SQL or engineering dependency
Backtest on real historical pay runs before anything goes live
Every alert maps to the red flag and regulation it serves
Jurisdiction-specific controls across every hiring country
Simulate alert volume and false positive impact before deployment
Rate clients, workers and contractors dynamically
Your risk picture changes between pay cycles. Fortify recalculates continuously across all populations as bank details, corridors and worker locations shift. Client risk includes source of funds and expected payroll activity, so mismatches between business profile and payment flows surface automatically.
Separate models for clients, employees and contractors
Ratings update when bank details, corridors or activity change
Every rating factor explainable to your team and your regulators
EDD and reviews triggered by live risk, not the calendar
Ongoing screening as bank details, location and ownership change
Score every pay run before funds leave
Payroll is scheduled and funds move predictably. Fortify runs models and rules before each pay run, covering fake employees, diversion via bank-detail changes and mule networks across clients. No real-time integration required.
Fake employees detected before the first pay run clears
Payroll diversion flagged before payday
Mule networks surfaced across client accounts
Threshold sweeps show precision and customer impact before deployment
Contractor payouts routed through virtual IBANs flagged where IBAN country code and master account jurisdiction diverge
A regulation-to-rule audit trail your supervisors can follow end-to-end
Your obligations multiply with every hiring country. FinCEN's June 2026 advisory identifies 18 red flags for payroll-linked suspicious activity – your banking partners are now expected to monitor against them. Fortify ties every rule to the regulation and red flags it addresses, so you can show the logic from obligation to alert, with evidence built as you work.
Rules linked to the regulation and red flags they serve
Full version history of every control change
Decision traceability from alert to outcome
Jurisdiction-specific audit trail, generated continuously
Evidence aligned to SAR and reporting expectations
React to new payroll attack patterns without a full model cycle
When a new fraud pattern surfaces in a pay run, describe what your team has observed. A retrained model is ready in minutes.
Surface cross-corridor patterns before they backlog
Flag agent behaviour shifts early
Link recipients to senders for faster investigations
Keep all actions visible and reviewable
For teams operating under regulatory scrutiny.
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Step 1
Describe the attack. For example: a cluster of bank-detail changes hits your contractor population 48 hours before payday.
Step 2
Get a retrained model in minutes, built from your input and Fortify's detection logic.
Step 3
Test before deploying. Human judgement stays in the loop.
3 minutes. Not months.
Why choose Fortify
- 01
Built around how payroll actually moves money
Fraud and AML experts encode your typologies – mule activity, contractor risk, state-sponsored workforce infiltration, sanctions exposure by corridor – into rules and models that reflect your payroll reality.
- 02
Up and running fast
Your data stays where it belongs. No pipeline to build, no security review, no rip-and-replace – your team can be live without an engineering project.
- 03
Explainable to every regulator you answer to
Every rule, model and alert carries its reasoning and evidence, ready for any supervisor in any jurisdiction.
3 customer types clients, workers and contractors rated in one system
Ho< 3 hours from insight to live controls
Audit trail across every hiring jurisdiction, generated continuously
"Every new hiring country adds a new regulatory obligation. We used to manage that with spreadsheets and manual reviews. Now every rule is tied to the regulation it serves and the audit trail builds as we work. When a banking partner asks a question, the answer is already there."
Your business is built to move fast. Your controls need to keep up.
Fortify is built for the people accountable when things go wrong inside organisations optimised for speed – Heads of Financial Crime, compliance leads, fraud operations teams at fintechs. The platform is designed by practitioners who've run these functions, and backed by a team that works alongside yours in the day-to-day.
Built by practitioners
Every feature was designed by people who've sat in your seat – running fraud and compliance teams at fintechs. The product works the way your team already thinks.
Your team + our team
Decision-making software backed by embedded expertise. Your fraud, risk and compliance teams get both the platform and the people to run it with.
One modular system for fraud and AML, built around how teams actually work
Related articles
Regulatory guidance and industry context for financial crime professionals.
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Built for compliance teams managing payroll risk across dozens of jurisdictions
Detection calibrated to payroll risk. Risk ratings that move with your book. Evidence that holds up when any regulator asks
