About the author
The Wrapbook Team

The Wrapbook Team consists of individuals who are thrilled about building modern software tools for creators. We’re a team of compassionate and curious people dedicated to solving complex problems with sophisticated solutions. You can find us across the U.S. and Canada.

Follow the Wrapbook Team

Disclaimer

At Wrapbook, we pride ourselves on providing outstanding free resources to producers and their crews, but this post is for informational purposes only as of the date above. The content on our website is not intended to provide and should not be relied on for legal, accounting, or tax advice.  You should consult with your own legal, accounting, or tax advisors to determine how this general information may apply to your specific circumstances.

Last Updated 
March 1, 2026
Industry Report

Data from 100 finance pros on the state of the industry in 2026

See the Results

Bogus payments and ghost employees

Compromised accounts may also lead to attempts to slip fake or inactive workers into payroll—especially on complex productions where many moving parts can make small inconsistencies harder to spot.

How you can protect yourself and your production

  • Train your team to spot live AI personas. Encourage staff to watch for subtle cues such as repetitive or unnatural phrasing, overly polished audio, mismatched shadows, or responses that don’t follow a natural conversational flow. MIT provides helpful resources on detecting AI-generated photos or videos.
  • Invite-only onboarding on Wrapbook. Fraudsters cannot self-service add themselves as workers on any production in Wrapbook; they must be invited or added by an authorized Company user.
  • Design and implement approval flows. Approval flows give production finance teams more opportunities to review payments before money moves, adding clarity and reducing the likelihood of overlooked details.

Industry data suggests most teams already recognize the importance of oversight. Central finance oversight and rules-based approval thresholds are widely used across productions, yet approval structures still emerge as a leading source of friction when systems don’t communicate.

  • Build in separation of duties with a least-privilege approach. Configure user roles so no single person can move a payment from creation to funding without visibility from others.
  • Keep permissions up to date. Regularly review users and roles in Company Settings and remove access for inactive users.
  • Lean into transparency. Each payable includes a detailed audit log showing a history of key actions, making it easier to review anything that appears unusual.

Benchmark insight

Wrapbook’s State of Production Finance & Accounting report examines how manual workflows, disconnected systems, and approval structures shape risk, visibility, and decision-making across productions. Download the report to explore industry benchmarks and practical insights.

Holiday phishing and social engineering scams

Fraudsters may use misleading messages, emails, or links—sometimes on websites that appear familiar—to direct you to imitation login pages or collect credentials. With deepfakes becoming more accessible, taking a moment to verify unexpected requests is increasingly important.

How you can protect yourself and your production

  • Enable multi-factor authentication (MFA). Wrapbook enrolls users in MFA by default upon account creation.
  • Educate your staff. Even lightweight training can meaningfully improve awareness.
  • Designate verified communication channels. Require sensitive actions to move through approved workflows rather than ad-hoc messages.
  • Pause and scrutinize urgency. Unexpected requests that push secrecy or speed are often a red flag.
  • Consider code words or secondary verification. Simple identity checks can prevent costly mistakes.
  • Keep devices and software updated. Updates often include important security improvements.

Many accountants note that fraud is rarely the result of a single mistake—it’s more often the byproduct of volume, time pressure, and fragmented systems. Reducing manual touchpoints can make anomalies easier to spot before they escalate.

Wrapping up

Many of the fraud risks teams face during the holidays are amplified by everyday operational strain. The State of Production Finance & Accounting report takes a closer look at how cost pressure, manual workflows, and disconnected systems shape risk, visibility, and decision-making across productions today. Download the report to explore the data and see how teams are adapting.

At Wrapbook, fraud protection is a foundational part of our platform. Our tools, policies, and team aim to help production companies pay crews safely, spot potential issues early, and respond quickly when something doesn’t seem right. Ultimately, you know your production, industry, and people best—and that insight remains one of your strongest advantages in keeping your production secure this season.

When in doubt, reach out. If you suspect fraudulent activity on your Wrapbook account, contact us at support@wrapbook.com. We can assist with steps such as freezing and reviewing potential activity on your account.

Industry Report

Data from 100 finance pros on the state of the industry in 2026

See the Results

Fraud tactics are becoming more sophisticated, with AI tools increasingly used to imitate vendors, coworkers, and familiar voices. With Wrapbook, you can add transparency and control to your projects to help stay ahead of these evolving risks.

That vigilance is especially important right now. In recent industry research surveying production finance and accounting teams, manual workflows and disconnected systems emerged as common pressure points—conditions that make unusual requests and inconsistencies harder to spot in real time.

As criminals adopt off-the-shelf AI tools for voice cloning, document forgery, social engineering, and payment diversion, productions benefit from staying attentive. By preparing now, you can help protect both yourself and your team through a smooth and secure holiday season and year-end.

Here are some approaches to help keep your production one step ahead of the most common holiday payroll scams.

Note: Scammers increasingly use widely available AI tools to support their schemes. This is very different from the secure, purpose-built AI within Wrapbook, which is designed with strict safeguards and controls. The information below focuses only on how to stay aware of common, well-documented fraud tactics seen across many industries.

Vendor Business Email Compromise (BEC)

Imagine a fraudster gaining access to your vendor’s email account and impersonating them—requesting an unexpected payment or attempting to redirect a legitimate one. With AI helping criminals mimic writing styles and respond quickly, these scams may blend in more easily at first.

How you can protect yourself and your production

  • Contact the vendor through another confirmed channel. If an email thread feels slightly off, reach out using a known, trusted method—such as a direct phone number for your point of contact or their support line—to confirm that the request is legitimate.
  • Minimize clicking on email links. Fraudsters often rely on subtle misdirection through email links. When possible, navigate directly to any portal, software, website, or tool you trust instead of clicking links within an email.
  • Track historical vendor patterns. Noticing changes—such as sudden shifts in invoice amounts, billing frequency, or communication tone—can be a helpful prompt to verify that everything is in order.

The challenge is scale. According to recent production finance research, more than 80% of accounting teams still rely on email and manual data entry across core AP tasks, making it harder to consistently spot subtle changes in vendor behavior as invoice volume increases.

  • Conduct vendor due diligence. Working with reputable vendors lays a strong foundation. FINRA offers best practices on evaluating vendors, and Wrapbook helps validate vendor information using a trusted third-party verification service when you add or update a vendor in our system.

Compare suspicious invoices with known legitimate ones. If an invoice looks unusual, avoid downloading attachments. When the invoice appears in the email body, compare it with a past verified invoice to look for discrepancies.

Stay In The Know

Sign up for the Wrapbook newsletter where we share industry news along with must-know guides for producers.

Book a Demo

Meet with a Wrapbook expert to create a plan for your payroll.