Find out where your payouts leak before your customers do.
A disbursement operations audit is a fixed-scope review of how your payouts and reconciliation actually run, where money leaks, breaks, or waits, ending in a prioritized plan you can act on the next day. From an operator who scaled money movement past $3B a year.
A fixed-scope read of your disbursement and reconciliation operations, where money breaks, waits, or quietly costs you, and a prioritized plan you can act on the next day. For fintechs and platforms moving real volume, from an operator who ran money movement past $3B a year.
You can feel the operation straining. You can’t yet point to where.
Breaks surface downstream
A discrepancy shows up days later, several steps from where it started, after the money has already gone out the door.
No one owns the whole flow
Partners, rails, and reconciliation each have a keeper, but nobody sees the payout end to end, so the gaps live in the seams.
Fixes are guesses
Without a clear read of where the money actually leaks, every improvement is a hunch, and the expensive problems stay hidden until they escalate.
One pass across the whole money path, from partner to payout to reconciliation.
The audit traces a real payout the way your money actually moves, not the way the diagram says it should, and marks every point where value leaks, breaks, or waits. It is the diagnostic I run as a disbursement operations consultant before any build work, and often the only engagement a team needs to get unstuck.
- Partner & rail integration, where handoffs drop data, stall, or double up
- The disbursement engine, where payout logic strains as volume and partners multiply
- Reconciliation & exceptions, how fast you would find out you are wrong
- Failure patterns, margin & float, where money clusters, leaks, or sits idle
A prioritized plan, not a deck.
The output is the shortest path to holding at the next level of scale. No forty-page report, no dependency created.
- An end-to-end map of your current disbursement flow
- The specific leak, break, and wait points, ranked by cost
- A fix list you can start on the next day, highest-leverage first
- An honest read on what to fix in-house vs. where outside help pays for itself
Disbursement operations proven at real volume.
More on payments from Field Notes.
Reconciliation is how fast you find out you’re wrong
Why moving money at scale demands reconciliation you can trust.
Your payout failures aren’t random. They cluster.
Line up your failed payouts and the pattern shows where the money breaks next.
Your payment stack is a P&L line, not plumbing
Where net-new margin hides in transaction processing.
A late payment isn’t an ops ticket. It’s a trust problem.
When money moves wrong, the damage isn’t operational. It’s the relationship.
The most expensive payout is the one you make twice
Everyone braces for the payout that fails. The costly one is the payout that succeeds twice.
When the money lands is a promise, not a default
Payout timing isn’t plumbing output. It’s a promise you make to your customer.
A simple way to start.
Scoping call
A short, focused conversation about where your payout operations stand today and where the strain is showing.
The audit
A fixed-scope pass across the flow, from partner to payout to reconciliation, with the findings mapped and ranked by cost.
Plan & handoff
A prioritized plan you can act on immediately, and a clear line on what, if anything, is worth building together next.
She’s an operator first. She doesn’t hand you a framework and leave, she stays in it until the work is actually done.
Worried your money movement won’t hold at the next level of scale?
A fixed-scope audit, no pitch, you leave knowing exactly where the money leaks and what to fix first. You get the plan, not a dependency. I take on only a small number of clients at a time.
Book a CallEvery engagement is led by Neta Pyasi, former VP of Operations at Benevity ($1B to $3B+ in volume) and an early operator at Solium (acquired by Morgan Stanley).
Disbursement audit questions, answered.
What is a disbursement operations audit?
A fixed-scope review of how your payouts and reconciliation actually run, where money leaks, breaks, or waits, that ends in a prioritized list of what to fix first. It is a diagnosis and a plan, not a long engagement.
How long does it take, and what do I get?
Usually two to three weeks: a scoping call, a focused review of your disbursement flow, partners, and reconciliation, then a written readout of the weak points, what each one is costing you, and the order to fix them in.
How is an audit different from hiring a fractional COO?
The audit is the diagnosis; a fractional engagement is the doing. Many teams start with the audit to see exactly where the strain is, then decide whether to fix it in-house or bring in hands-on help.
Who is the audit for?
Fintechs and platforms moving real payout volume whose operations were built for a smaller, simpler stage, more partners, currencies, and payout types than the original setup was meant to hold.