Business &
Risk Consulting

ERP-centric, data-driven risk consulting across treasury, compliance, operations, HR and wealth — combining Risk & Controls Matrix with Functional Scorecards, from planning through reporting.

Who we work with
Axis Bank
BCG
Benetton
EXL
Fidelity
HCL
ICICI Bank
LIC
Mitsubishi Motors
Oracle
Samsung
Schneider Downs
The World Bank
United Nations
Axis Bank
BCG
Benetton
EXL
Fidelity
HCL
ICICI Bank
LIC
Mitsubishi Motors
Oracle
Samsung
Schneider Downs
The World Bank
United Nations

What We Offer

At SPNX we perform — ERP Centric (Paperless) + Data Driven (Min. Samples) + Risk & Controls Matrix + Functional Scorecard based Risk Consulting

Key Service Areas

01
Risk Management Audit
  • Risk framework & regulatory adherence
  • Market exposure & liquidity policy review
  • Operational risk management assessment
02
Treasury & Cash Management
  • Liquidity & cash flow monitoring
  • Foreign exchange management
  • Capital adequacy compliance
03
Compliance & Regulatory Audit
  • Regulatory reporting accuracy & completeness
  • Customer onboarding & due diligence
  • AML/CTF policy & reporting review
04
Operation Audit
  • Deposit management process review
  • Payment systems & reconciliations
  • Claims & investment operations
05
Human Resource & Payroll Audit
  • Payroll management process review
  • Performance management evaluation
  • Hiring & termination practices
06
Wealth & Asset Management
  • Investment mandate & risk limit adherence
  • Portfolio valuation & reporting accuracy
  • Diversification requirement compliance
07
Internal Control Audit
  • Control environment effectiveness review
  • Segregation of duties assessment
  • Fraud & error prevention controls
08
Product and Service Audit
  • New product approval & risk compliance
  • Sales & pricing practice review
  • Claim management & regulatory adherence

End-to-End Approach

Planning
Protocol setting & risk assessment
Step 2
Understand as-is focus areas
Step 3
What can go wrong analysis
Step 4
Executing audits
Step 5
Root cause analysis
Step 6
Process improvements
Reporting
Reporting audit results

Risk Rating Methodology

1
Unit Rating (A)
High
Process breakdown causing severe disruption or adversely affecting objectives. Requires immediate management action.
Medium
Process weakness which could have or is having some effect on the ability to achieve objectives. Requires near-term management action.
Low
Minor process weakness with minimal but reportable impact. Management should consider action within a reasonable time period.
2
Effectiveness Rating (B)
Grid I — Up to 4 issues per Category
RatingHighMedLow
SatisfactoryNil≤ 2
Moderate≤ 1≤ 1
Req. Improvement≤ 2> 1
Unsatisfactory≥ 3
Grid II — More than 4 issues per Category
RatingHighMedLow
SatisfactoryNil≤ 50%
Moderate≤ 30%≤ 50%
Req. Improvement30–60%≤ 50%
Unsatisfactory> 60%
3
Overall Rating
Unit Rating (A)
Classifies each issue by severity — High, Medium, or Low — based on its impact on process objectives.
Effectiveness Rating (B)
Maps the count of issues against severity thresholds to determine overall control effectiveness.
Composite Score
Combines A + B to derive the final risk posture for each audit area under review.
SPC Rating Scale
Maps the composite score to a standardised category — from Unsatisfactory to Satisfactory.

Risk Rating Scale

<25%
25–39%
40–69%
70–85%
>85%
Unsatisfactory
Req. Immediate Attention
Req. Improvement
Moderate
Satisfactory
0%100%

Agentic Swarm Intelligence
for Transaction Risk, Anomaly Detection,
Risk Score-carded Compliance

SPNX ORM is a proprietary agentic swarm intelligence architecture for transaction risk, anomaly detection, and compliance scoring — one that ingests your enterprise data and deploys thousands of autonomous agents, each with persistent memory, to detect fraud and operational risk before it surfaces.

Enterprise Inputs
01
ERP Transactions
SAP · Oracle · NetSuite
02
Audit Reports & RCMs
Findings · Work Programs
03
Regulatory & Sanctions Feeds
Live intelligence
04
Financial Signals & KRIs
Thresholds · Baselines
05
Whistleblower & Incidents
Narratives · Evidence
Processing Engine
SPNX ORM
GraphRAG Extraction · LLM Agent Generation
Swarm Orchestration · Consensus Intelligence
1M+ Agents
Enterprise Network
Risk Intelligence Outputs
01
Live Risk Ratings & Proposals
Evidence-backed · Owner-routed
02
Anomaly & Fraud Alerts
Real-time · Classified · Cited
03
Consensus-backed Decisions
Multi-agent agreement · Log
04
Board & CRO Dashboard Roll-up
Automated · Threshold alerts
05
CAPA Tracking & Audit Trail
Issue resolution · Full log
Swarm active
Multi-agent simulation · local cluster · 1M+ agents global
2,949Agents Active
4Live Clusters
12Decisions Today
Agent Intelligence Feed
Agent #9464 — Swarm node initialised · 50 agents active
22:59:29
Agent #5178 ↔ #6894 — Knowledge graph sync: 932 nodes loaded
22:59:30
Cluster #10 · 11 analyst agents · Establishing patrol patterns
22:59:31
Agent #1573 — ERP baseline profiled: 2749 transactions
22:59:32
Agent #4387 — Payroll baseline: 1626 employees · no deviation detected
22:59:32
Cluster #4 formed · 13 agents · Monitoring post-close window
22:59:34
Agent #3261 — TXN-79674 cleared · no anomaly · moving on
22:59:37
⚡ Agent #2211 [alert] — SIGNAL: Duplicate Vendor Payment · initiating swarm
22:59:38
Agent #2211 → #8634 — Cross-verify request · PRIORITY HIGH
22:59:39
Agent #8634 — Confirmed: ₹2.4Cr · Vendor #8841
22:59:39
Agent #8634 → #6706 → #3157 — Cluster formation · code RED
22:59:40
Cluster #3 forming · 19 agents responding
22:59:41
Concluded Risk Intelligence
Real-Time Intelligence
Transactional Signaling

Agents patrol every ERP transaction, journal entry and payment against behavioral baselines and COSO-aligned control frameworks — continuously, in real time.

Swarm Consensus
Anomaly & Fraud Detection

Ghost employees, duplicate payments, privileged access abuse, unauthorised journal entries — swarms converge and build consensus before a risk event is logged to the register.

Evidence-Backed Routing
Agentic Resolution

Swarm assembles evidence, scores signal strength, and routes a complete risk proposal to the named Risk Owner. Accept, Modify or Reject — every decision immutably logged.

Enterprise Use Cases

From concurrent credit audits at scale to pan-India stock verification — here’s how we’ve turned risk into resilience across industries.

Banking & Financial Services
Credit Concurrent Audit for India’s Largest Private Bank
Monthly audit of 1,000 BBG credit cases across 288 CPCs, PAN India — with 63 skilled auditors, automated reporting, and custom macro-based tools driving 70% operational efficiency and 80% improved accuracy.
Automotive
Dealership Audit for India’s Largest Car Manufacturer
Monthly audit of 8,000–10,000+ cases across 230+ outlets in 140+ cities — covering claim verification, compliance checks, and risk flagging with 30% faster reporting and early risk mitigation.
Quick Commerce · FMCG
Internal Audit for India’s Top FMCG
Pan-India audit across 13 hubs delivering to 8,000+ societies — covering sales, inventory, 3PL invoicing, and hub-level controls. Achieved 5% billing recovery from vendors and 2% improved cash realisation.
Fashion & Apparel Retail
Stock Audit for a Fortune 500 Company
Comprehensive stock audit across 80+ retail outlets PAN India — physical verification, inventory reconciliation, barcode validation, and process compliance. 25% faster reconciliation and 15% improved inventory accuracy.

Risk doesn’t wait for the next audit cycle. Neither should you.

Whether it's tightening controls, strengthening compliance, or building a risk framework that actually holds — let's start the conversation.