Transaction Oversight Audit
A structured audit of payment rails, settlement cut-offs, and ledger evidence for licensed fintech teams.
Who this is for
Compliance, finance, and product operations teams at e-wallet operators, payment gateways, digital lenders, and remittance firms that need a clear view of how customer transactions become ledger entries.
Result you leave with
A bound findings pack that links sampled transactions to app events, settlement files, and general-ledger postings, plus an exception register ranked by financial and regulatory exposure.
Scope included
- Mapping of primary payment rails and cut-off calendars used in your Malaysian operations
- Sampling across successful, failed, reversed, and delayed transactions for an agreed window
- Cross-check of app analytics events against back-office settlement files
- Review of chargeback, refund, and manual adjustment paths
- Written findings memo, exception register, and remediation priority list
- One walkthrough session with your finance and risk stakeholders
Scope excluded
- Continuous monitoring software licences or hosted dashboards
- Legal opinions on BNM licence conditions
- Full statutory financial statement audit
- Source-code penetration testing
Provider and process
Senior auditors from CloudCogni Digital lead the engagement, supported by an analytics specialist who reads your event schemas. Work proceeds in four stages: intake and rail mapping, sample selection, evidence pairing, and findings delivery.
Duration and location
Most engagements run three to six weeks depending on rail count and data readiness. Kick-off and findings sessions are held at our Kuala Lumpur office or your premises; evidence review continues remotely under agreed access controls.
Preparation
Before week one we ask for settlement calendars, a read-only sample of transaction extracts, app event dictionaries, and a named contact for ledger questions. Incomplete cut-off definitions usually extend the timeline.
Constraints
We need lawful access to transaction extracts and app telemetry for the sample period. We do not accept engagements that require altering production payment flows during fieldwork.
Pricing basis
Fees are quoted as a fixed engagement amount by monthly transaction volume band. See the Rates page for indicative ranges. Travel within Klang Valley is included; outstation fieldwork is quoted separately.
Next step
Request a scoped estimate and attach a short note on the rails and settlement window you want examined.