February 10, 2026

Flag contract financial terms that deviate from policy requirements with the Finance Review Agent

Apply financial policies consistently across contracts by automating checks on payment terms, pricing, and liability so finance reviews only exceptions.

Marie Nayaka

<span id="hs_cos_wrapper_name" class="hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_text" style="" data-hs-cos-general-type="meta_field" data-hs-cos-type="text" >Flag contract financial terms that deviate from policy requirements with the Finance Review Agent</span>

Finance Review Agent

Every contract needs a financial terms check, even though most contracts are ultimately acceptable. Payment terms, pricing structures, and liability caps must be reviewed against policy before finance can sign off. This creates a large volume of repetitive review work that consumes finance capacity without adding much value.

The LuminIQ Finance Review Agent executes this first-pass review automatically when contracts are uploaded. Terms that align with policy move forward, while exceptions are flagged for review. Finance teams focus on non-standard risk, not routine checks.

What it reviews

The agent automatically reviews contracts as soon as they are received, without backlog, so legal teams focus on negotiation and judgement.

Payment Terms: Compares contract payment terms against your policies. Net 30 when you require net 60? Flagged. Payment on delivery when you need payment on acceptance? Flagged. Terms that match your standards are approved automatically.
Pricing Structures: Identifies pricing models like fixed, time and materials, or milestone based, and flags structures that don’t fit your preferred terms or look unusual for the contract type.
Liability and indemnity: Checks liability caps against your thresholds. Unlimited liability on a $50K contract? Flagged. Appropriate caps for the risk level are approved.
Anomalies and inconsistencies: Spots things that don’t quite fit. A pricing schedule that doesn’t add up. Terms that contradict each other. Payment milestones that don’t match deliverables. The things a careful human would catch if they had time to review every contract closely.

Who this is for

This agent is for finance teams responsible for reviewing commercial terms across contracts. It is ideal where most contracts are policy-compliant, but every agreement still requires time-consuming manual confirmation.

It supports procurement and legal teams by reducing delays in contract flow, and finance leadership by ensuring policies are enforced consistently without tying up finance capacity on routine checks.

Manual vs automated agent execution

Before:

Before using the agent, finance teams manually review every contract for payment terms, pricing structures, and liability provisions. Even when most contracts comply with policy, each one still requires time to read and confirm, creating a steady drain on finance capacity.

Routine contracts consume the same review time as high-risk ones
Finance teams spend hours confirming compliant terms
Reviews queue behind availability, slowing deal flow
Attention is spread thin across low-value checks
Capacity for strategic analysis is reduced

After:

After the agent is in place, contracts are reviewed automatically against financial policies as soon as they are uploaded. Only deviations and anomalies require human attention.

Standard terms pass without manual review
Non-compliant clauses are flagged with context
Review effort is focused where financial risk exists
Deal cycles move forward without waiting on routine checks
Finance teams reclaim time for higher-value work

Configuration options

The Finance Review Agent is configurable to enforce your financial policies consistently while reducing manual review effort.

Payment term policies: Define acceptable payment terms by vendor type, contract value, or business unit.
Pricing structure preferences: Specify preferred pricing models and which alternatives should be flagged.
Liability thresholds: Configure acceptable liability caps relative to contract value or risk level.
Escalation rules: Define who reviews flagged financial issues based on severity or value.
Custom policy checks: Add organisation-specific financial rules that must be validated.

Security & Compliance

Contracts and review results are processed within Gatekeeper’s secure environment. All policy checks and outcomes are logged, providing a clear audit trail of how financial reviews were executed and approved.

The Finance Review Agent is part of LuminIQ, Gatekeeper’s AI engine for third-party lifecycle management.
All agent actions are logged with complete audit trails. The agent operates within your configured permissions and routing rules—it doesn’t make decisions outside the parameters you set. Data handling follows Gatekeeper’s enterprise security standards, including SOC 2 Type II compliance and GDPR requirements.