ScopeFlow

Scenario 2 · Proof of funds

A statement that looks right and adds up wrong

The bank header, IBAN and totals are all there. The figures contradict each other and the payslips. Run the agents to see how far apart the story and the evidence are.

BANCO SPECIMEN, S.A.

Avenida dos Exemplos 1, 0000-000 Lisboa

ACCOUNT STATEMENT

2026/03 · No. 0000417

Issued 02.10.2026

Account holderM. SPECIMEN

IBANPT50 0000 0000 0000 0000 0000 0

Period01.07.2026 - 30.09.2026

DateDescriptionDebitCreditBalance
Opening balance1,240.55
01.07.2026SEPA DD RENT HOUSING SPECIMEN650.00590.55
03.07.2026CARD SUPERMARKET 041284.37506.18
07.07.2026SEPA DD ELECTRICITY SPECIMEN ENERGIA46.20459.98
10.07.2026SEPA DD MOBILE SPECIMEN TEL19.99439.99
14.07.2026CARD SUPERMARKET 041261.45378.54
18.07.2026CARD METRO MONTHLY PASS40.00338.54
22.07.2026CARD PHARMACY CENTRAL12.80325.74
28.07.2026SEPA CT SPECIMEN LOGISTICS LDA SALARY 071,842.172,167.91
30.07.2026ATM WITHDRAWAL 003160.002,107.91
01.08.2026SEPA DD RENT HOUSING SPECIMEN650.001,457.91
04.08.2026CARD SUPERMARKET 041292.101,365.81
07.08.2026SEPA DD ELECTRICITY SPECIMEN ENERGIA44.851,320.96
10.08.2026SEPA DD MOBILE SPECIMEN TEL19.991,300.97
16.08.2026CARD SUPERMARKET 041258.301,242.67
18.08.2026CARD METRO MONTHLY PASS40.001,202.67
25.08.2026CARD RESTAURANT O PORTO23.501,179.17
30.08.2026SEPA CT SPECIMEN LOGISTICS LDA SALARY 083,842.175,021.34
31.08.2026ATM WITHDRAWAL 003160.004,961.34
01.09.2026SEPA DD RENT HOUSING SPECIMEN650.004,311.34
03.09.2026CARD SUPERMARKET 041277.644,233.70
07.09.2026SEPA DD ELECTRICITY SPECIMEN ENERGIA41.104,192.60
10.09.2026SEPA DD MOBILE SPECIMEN TEL19.994,172.61
15.09.2026CARD SUPERMARKET 041266.254,106.36
18.09.2026CARD METRO MONTHLY PASS40.004,066.36
28.09.2026SEPA CT SPECIMEN LOG UNIPESSOAL SALARY 093,842.175,908.53
31.09.2026CASH DEPOSIT BRANCH 04129,500.0015,408.53
29.09.2026CARD ONLINE SPECIMEN STORE35.9015,372.63
Total debits / credits2,894.435,526.51
Closing balance15,372.63

Synthetic specimen. Banco Specimen and Specimen Logistics are fictional; the IBAN is not a real account.

At first glance

A convincing proof of funds

Closing balance
EUR 15,372.63
Latest salary credit
EUR 3,842.17
Matches declared savings
yes
Bank header, IBAN, totals
present

A busy officer would accept this. Run the agents to see what the numbers say.

Agent log

  1. Intake Open statement.pdf and extract the transaction table from the PDF itself

  2. Verify Recalculate opening balance, credits, debits, every running balance and the closing balance

  3. Verify Validate every transaction date against the calendar, the period and banking days

  4. Link Compare salary credits with 3 payslips, the employment contract and the application form

  5. Verify Inspect the PDF structure and recover earlier revisions of the file

  6. Sentinel Separate what is proven from what only the bank can confirm

How it works

Arithmetic, cross-checks, file history

Read the numbers, not the picture

Transactions are extracted from the PDF itself and every balance is recalculated. Forgers edit the figure they care about and forget the ones that depend on it.

Check against the rest of the file

Salary credits are matched to payslips, the employment contract and what the applicant declared. A statement can be internally perfect and still contradict the application.

Know where proof ends

Some questions only the bank can answer. ScopeFlow separates what the documents prove from what needs confirmation, and drafts that request.

Test it on statements you already know are fake

A pilot runs these checks on a sample of your past proof-of-funds files and reports what was missed, side by side with your existing decisions.

Request a pilotBook a briefing