Organizational Memory
Connect agreements, policies and transaction history so every decision is made with context.
Whitepaper
Real-Time Margin Leakage Prevention for the Office of the CFO
Finance is moving from retrospective control to real-time governance. Discover how AI can help finance teams identify risk, enforce policy and protect value before money moves.
Developed in partnership with Mastercard
- Why retrospective control leaves finance teams exposed to fast-moving risk
- How pre-transactional intelligence stops leakage before approval or settlement
- A practical model for AI-driven monitoring with clear human accountability
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Realtime Governance for the Office of the CFO argues that finance governance is still retrospective: controls are applied after money has moved, decisions rely on stale data, and context is lost as transactions pass between people and systems. The paper describes three layers of the problem: continuous volatility in regulation, costs and technology; latency in decision cycles caused by manual handoffs and system silos; and governance gaps across compliance, fraud prevention, auditability and fragmented processes.
It cites Coupa’s Strategic CFO Report (via Forbes): 44% of CFOs cannot make informed decisions because of data challenges, and 25% still rely on manual processes. It explains why automation alone does not close these gaps: it speeds up processing but strips away the context that governance needs.
The paper then proposes a new category, real-time governance and control, built on three ideas: organisational memory that connects agreements, policies and transaction history; pre-transactional intelligence that checks every transaction before approval or payment; and human-in-the-loop oversight that keeps people accountable and captures their judgement for reuse. RedOwl is presented as a layer that works alongside the existing finance stack rather than replacing it. It includes forewords from RedOwl CEO and co-founder Jitto Arulampalam and from Gareth Lewis, Director of Account Management at Mastercard.
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What you’ll learn
Pre-Transactional Intelligence
Identify leakage, compliance gaps and financial risk before approval or settlement.
Human-in-the-loop Governance
Combine AI-driven monitoring with clear accountability and informed human oversight.
Traditional governance is reactive. Delayed insights and manual processes leave finance teams exposed to fast-moving risk. This whitepaper introduces a proactive model that turns the Office of the CFO into a context-aware command centre for financial integrity and operational agility.