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Maverick Spend Detection

Risk & compliance
Primary · Finance
Secondary · Procurement

Maverick spend is the metric Procurement Ops is measured against, and it hides in the long tail: the card charge, the off-contract invoice, the renewal nobody routed.

Flo reads spend across cards, AP, and contracts, compares each charge to approved process and contract terms, and flags the spend that went around the rails. It groups the patterns by category and routes the findings for review.

Flo flags patterns. Finance and procurement act. The leakage becomes visible and the trend is something you can show the CFO moving down, not just count. Final action rests with finance and procurement.

Intake and Approvals flow
AGENT CAPABILITIES
TOOLS
Read spend
Spendflo
Reporting
Reads spend across cards, AP, and contracts.
Compare process
Flo
Context Library
Compares spend to contracts and approved process.
Flag maverick
Spendflo
Context Library
Flags off-process and off-contract spend.
Route review
Slack
API
Routes the grouped patterns for review.
CONTEXT USED
  • Use Read spend to confirm the request has budget before routing.
  • Use Compare process to validate the request and flag any exception.
  • Use Flag maverick to route the chain to the right approvers, in order.
  • Once approved, use Route review to raise the PO. Never raise a PO before approval.
  • Escalate anything over threshold or outside policy to a named human owner.
HOW IT WORKS
1
System
Reporting
Monthly spend data refreshes
2
Flo
Reporting
Read card, AP, and contract spend
3
Flo
Spendflo
Compare each charge to approved process
4
Flo
Spendflo
Flag recurring off-contract charges
5
Flo
Spendflo
Group the patterns by category
6
Team
Slack
✓ Route the findings to finance
7
Flo
Slack
Finance and procurement close the gaps
Intake and Approvals flow
GUARDRAILS
⛉
Flo flags maverick spend. It never claws back charges on its own.
⛉
Flo surfaces patterns; humans decide the response.
⛉
Flagged spend is grouped with evidence for review.
⛉
Final action always rests with finance and procurement.
Intake and Approvals flow
See Flo work
Watch the agent take a live request from intake to PO.
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Testimonials
“Finance queries Flo AI and surfaces exactly what they need for reforecast: 
which renewals are approaching, what savings are in play, when contracts are closing. Live insights, on demand
no back-and-forth, no delays”
Toral Patel, 

VP Accounting
“With Spendflo, we finally have unified visibility. We can look in one portal and see all our spend, upcoming renewals, and how we’re actually using the licenses we’re paying for.“
Josh Rappoport, 

VP Finance
“Spendflo AI triages intake and guides them through the right workflows. Centralize contracts, approvals, vendor data, and docs in one place. AI tracks usage, sentiment, and timelines automatically.”
Scott Stibich, 

Senior Accountant.
AI-driven procurement that adds value every moment.
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