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One person requesting a payment, approving it, and reconciling the account it came out of — that's not delegation, that's a blind spot. In this episode, Melissa breaks down the "2% rule" (aka separation of duties) using a real client story: a $4,200 payment that looked like fraud, wasn't, but exposed a gap that could have cost a lot more.

What's inside this episode:

• The real story of a $4,200 payment that sent a founder into a spiral — and what it actually turned out to be
• The "2% rule": why no single person should be able to request, approve, and reconcile a payment
• Why this gap tends to show up right when founders start delegating (usually between 5–15 employees)
• How to set up an approval threshold in tools you probably already use, like QuickBooks Online or Ramp
• Why financial controls are about protecting your team, not suspecting them
• The exact two-hour fix one founder put in place — and the one question you can ask yourself this week to find your own gap

This episode is for you if: You've handed off bill pay, invoicing, or vendor management to someone on your team — and haven't thought about who's checking that work.

No Se Habla Taxes is the podcast for creative agency owners who want to understand the financial side of their business — without drowning in spreadsheets. Hosted by CPA and fractional controller Melissa Armstrong, each episode unpacks real operational finance questions through candid stories and practical insight. Subscribe to the newsletter at steadyhandaccounting.com for episode recaps and financial insights delivered straight to your inbox.

Not sure if your business is healthy or just busy? No Se Habla Confusion is a $500 financial assessment for creative agencies on QBO doing $300K–$3M. I dig into your numbers, find the gaps, and tell you exactly where you stand. Email info@steadyhandaccounting.com — subject line: No Se Habla Confusion.

Let's connect!

LI: https://www.linkedin.com/in/armstrongmelissacpa/

Website: https://steadyhandaccounting.com/