Chapter 9: Participants

Participation Mapping Tool

Interactive Web App
Web-based tool with automated risk flagging + PDF export

"Map who does what at every critical moment in your transaction."

Open the Tool

What You'll Get

A visual participation matrix mapping every person to their role across three critical moments

Automated red flags: participants spanning all moments, access exceeding authority, missing separation

Automated yellow flags: moments with no verifier, single points of dependency

A downloadable PDF matrix suitable for audit documentation or team review

How It Works

1

Enter the transaction name, type, and approximate dollar amount

2

Add each participant with their role (Sender, Clearer, Receiver, View-Only) and active moments (Initiation, Approval, Release)

3

Specify each participant's system access level

4

Review the auto-generated matrix and its risk flags

Who It's For

Built for auditors and compliance teams

Internal auditors, controllers, compliance teams, and anyone designing or reviewing transaction workflows who needs to verify that roles are properly separated.

The Key Insight

Titles aren't controls — moments are

Most organizations assume separation of duties exists because different people have different titles. But titles aren't controls. This tool reveals whether participation is actually separated across the moments that matter.

Try It Now

This resource is a companion to Chapter 9: Participants of When Money Moves.
The chapter provides the full framework — this tool helps you apply it. Get the Book