Bank account change requests: a quiet control that pays for itself

In payment verification work with mid-size importers in Taoyuan, the control that prevented the most near-misses was simple: no bank-detail change takes effect until a second person confirms it using a channel that did not deliver the change request.

A dual-confirmation habit

1. AP receives the change request and logs it — they do not update the master yet.
2. A second person calls a number from the original onboarding file or contract.
3. Only after verbal confirmation does the vendor master update, with both names on the log.

Email-only confirmation is the weak link. Call-backs that use the mobile number printed in the change email are almost as weak. Keep the independent number in the vendor file from day one.

An accounts payable walkthrough is often enough to install this habit without a large project.