CogniLedger

Financial Audit Intelligence for CFOs and Finance Teams

CogniLedger provides the forensic layer your accounting software doesn't have. It is built for CFOs, Controllers, and Portfolio Partners who want to know exactly where the money is going and how long it lasts. By processing transaction data with statistical consistency, CogniLedger finds what experienced finance teams miss in under 60 seconds.

Forensic Anomaly Detection

Our forensic layer detects patterns that standard ledger reviews often overlook. The platform runs Benford's Law, z-score analysis, and velocity detection on every single line of your transaction history without exception.

• Split Invoices: Automatically flags invoices systematically split below approval thresholds.
• Circular Transactions: Identifies circular vendor relationships invisible to standard reviews.
• Window Dressing: Detects month-end timing anomalies and other forensic risks.
• 99.7% Capture Rate: High-precision pattern matching across all transactions simultaneously.

Runway Optimizer & Stress Scenarios

Move beyond rough averages. CogniLedger uses Ordinary Least Squares (OLS) regression on your actual transaction history to derive a precise burn rate and provide three distinct runway scenarios:

• Optimistic: A best-case scenario projection.
• **Baseline:** A realistic, data-driven forecast based on current trends.
• **Crisis:** A high-risk stress test for extreme conditions.

Each analysis concludes with a CFO War Room Action Plan—three prioritized, non-generic, quantified action steps formatted for direct board presentation.

How it Works

1. Upload CSV: Drop in any transaction export from QuickBooks, Xero, or your bank.
2. Forensic Report: Receive a structured forensic report with anomaly flags and runway projections in under 60 seconds.
3. AI Consultant: Use the Virtual CFO Chat Interface to ask strategic questions about your data using pre-computed summaries for maximum privacy.

Security & Privacy Architecture

p>CogniLedger is built with a security-first architecture where your data does not leave our servers in its raw form. All financial arithmetic executes locally in Ruby before any data reaches an external LLM API.

• Zero Data Retention: Your CSV file is never written to permanent storage and can be deleted at any time.
• TLS 1.3 Enforced: Forced SSL configuration with HSTS headers for secure transmission.
• Local Arithmetic Only: The AI model only receives pre-computed summaries, ensuring no raw transaction rows or PII are ever shared.