PayGuard
Open dashboard
Live · Squad Hackathon 3.0

Stop paying ghost workers before the wire leaves.

PayGuard scores every employee on every payroll cycle. Investigators approve the flags, Squad disburses the rest — so fraud never reaches production payments.

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Flagged for review

Cycle 2026-05 · 3 of 412 employees

Auto-refreshed
  • AO

    Adaeze Obi

    Critical

    Salary +480% vs peers, account shared w/ HR

    92
    Operations
  • MK

    Musa Kano

    High

    No biometric check-in for 28 days

    71
    Field
  • JE

    Joy Eze

    Medium

    BVN mismatch on Squad lookup

    64
    Finance

Cycle status

₦18.4Mheld pending review
409
Cleared
3
Held
0
Blocked

Composite score

Heuristics35%
Anomaly25%
ML model40%
412
Employees scored / cycle
3
Detection models stacked
<200ms
Squad BVN check
100%
Human-in-the-loop disbursement

How it works

From raw payroll to cleared payout, in three steps.

The pipeline is designed so AI never moves money on its own. A human signs off every disbursement.

01

Detect

Each employee record runs through Isolation Forest, XGBoost, and heuristic rules. The composite score routes to a tier in milliseconds.

02

Investigate

Flagged identities land in a queue with the evidence trail — Squad BVN response, peer-salary delta, attendance gaps, related-party graph.

03

Disburse

Investigator approves. PayGuard fires the Squad payout, writes the audit entry, and the wire leaves. Blocked records never get a chance.

Capabilities

Everything pre-payment review needs, in one operational view.

Built around the pre-disbursement workflow finance teams already run — no extra tabs, no extra spreadsheets.

Stacked risk scoring

Isolation Forest + XGBoost + handcrafted rules collapse into a single 0–100 score per employee per cycle.

BVN validation

Every payout request hits Squad's BVN endpoint first. Identity mismatch blocks the wire — no exceptions.

Investigation queue

Reviewers see the evidence trail beside the score. Approve, escalate, or block — every action is logged.

Audit timeline

Immutable record of every model decision and every human override. Export-ready for compliance review.

Treasury operations

Liquidity snapshot, queue depth, and Squad ledger reconciliation in a single operational view.

Relationship graph

Surfaces shared bank accounts, repeat referrers, and circular HR chains that single-record checks miss.

Risk model

Four tiers. One disbursement policy.

The composite score is opinionated on purpose: every record lands in exactly one tier and the workflow is defined ahead of time.

Low
< 30

Clear for auto-disbursement

Medium
30 – 60

Reviewer attention recommended

High
60 – 80

Held pending investigation

Critical
≥ 80

Blocked, escalated to fraud lead

Score = heuristics × 0.35 + anomaly × 0.25 + ML × 0.40

Built on Squad

Identity and payout, on the same rail.

PayGuard is a thin layer on top of Squad's BVN lookup and payout transfer APIs. We add the risk model and the human review — Squad handles the regulated identity and money movement.

  • BVN identity match before any payout leaves
  • Squad payout transfer fires only after sign-off
  • Ledger reconciliation surfaced in the dashboard
POST/virtual-account

BVN validation — 400 means identity mismatch, block the payment.

POST/payout/transfer

Disburse to validated account once human review clears the record.

Ready to see the next cycle before it disburses?

The sandbox dashboard ships with a seeded payroll cycle, three flagged identities, and a wired Squad sandbox. No commitment, no setup.

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