Service
Business Fraud Consulting
When a supplier's bank details are quietly changed, a compromised mailbox is used to redirect a payment, or a fraudster impersonates a director, the hours and days that follow are chaotic. Banks, insurers, and lawyers all need the same thing at once: a clear, evidenced account of what happened and where the money went.
Our role is to help you build exactly that. We assess the incident, map the payment flow, organise the evidence into a coherent case file, and note the process gaps the incident exposed — so the people who can act, such as your bank, the police, and your own advisers, have the best possible material to work with.
What you receive
- A confidential assessment of the incident, including how the fraud was executed and which parties were involved
- A payment-flow analysis documenting the transfers, accounts, and institutions in the chain, as far as available records allow
- An organised case file of correspondence, invoices, payment records, and internal approvals, prepared for banks, insurers, police, or lawyers
- A written summary of process-gap observations, such as weaknesses in supplier-detail verification or payment approval, to inform your own remediation
- Coordination support: help preparing the notifications, recall requests, and information packs your bank and advisers will ask for
Who it is for
- Companies that paid a genuine invoice to fraudulent bank details after a supplier impersonation or invoice-redirection attack
- Businesses affected by business email compromise, where a compromised or spoofed mailbox was used to divert a payment
- Finance teams that need an independent, organised record of an incident for their bank, insurer, board, or auditors
- Owners and directors who want a clear picture of what went wrong before deciding on legal or insurance steps
Process
How this service works
Initial assessment
You describe the incident and share what records you hold. We review the case at no cost and tell you honestly whether documented analysis can add value, or whether you should go straight to your bank, police, or a lawyer.
Scope and quote in writing
If paid work makes sense, we propose a defined scope with a fixed written quote before anything begins. We do not charge a percentage of any amount recovered, because recovery is never within our control.
Documentation and analysis
We reconstruct the timeline, map the payment flow from your records, organise the evidence, and record our observations on how the fraud bypassed your controls.
Delivery and coordination support
You receive the case file and written report, and we help you prepare the submissions your bank, insurer, police, or legal advisers request, working alongside — never instead of — those channels.
Honest limitations
- We cannot recover, freeze, or reverse payments. Recall requests, account freezes, and legal action sit with banks, law enforcement, and the courts, and no outcome can be promised.
- Our analysis is built from the records you and your counterparties can provide; where records are missing or institutions decline to share information, the picture will have gaps.
- We are not an insurer or an IT forensics provider. Where the incident calls for an insurance claim or a technical investigation of compromised systems, we say so and point you to the appropriate specialists.
In Canada
Where to report and complain in Canada
The official routes for someone who lives in Canada. Report quickly, and keep the file numbers you are given — every one of these bodies works from the evidence you hold.
Your local police
Report the fraud to your local police service — or to the RCMP where it polices your area — and ask for a file or occurrence number. Banks and exchanges often ask for it, and it belongs at the front of your evidence.
Canadian Anti-Fraud Centre
Report it to the Canadian Anti-Fraud Centre as well, online or by telephone on 1-888-495-8501. The CAFC asks for reports even from people who have already gone to the police, and from witnesses as well as victims, because it is how patterns across Canada are found.
Your bank or card issuer — straight away
Use the number on the back of your card or on your bank's own website, never one given to you by the person or site involved. Ask the bank to stop further payments and to try to recall or dispute the money, and make a formal complaint. Note the date you complained: it starts the clock for the next step.
If your bank says no: OBSI
The Ombudsman for Banking Services and Investments is the free, independent complaints body that every federally regulated bank in Canada must belong to. You can take your complaint to OBSI once 56 days have passed since you first complained to the bank, or sooner if the bank has already given you its final response. Once you have that final response in writing, you have 180 calendar days. Credit unions and caisses populaires are regulated by their province and have their own routes — ask yours which applies.
General information from each body's published guidance, not advice on Canadian law. Confirm deadlines with the body concerned.
FAQ
Questions about business fraud consulting
Related services
Start here
Start with a free, confidential consultation.
Tell us what happened. We will review the information and explain whether our services are relevant — and, if you choose to proceed, exactly what any investigation would involve and cost.