Meet Navan’s AI Agents for Finance: Your Expense Management Team

Business spend is messy. It doesn’t happen in spreadsheets — it happens in taxis, during conferences, and at client dinners across time zones and currencies.

For finance teams, that can mean receipts missing context, manual cleanup, and unwelcome month-end surprises.

Navan's AI agents for finance are built to step into that chaos and handle the heavy lifting. This intelligent team works in harmony — defining smart policies, automating expenses in real time, ensuring compliance, and reconciling every transaction back to your books.

The end result: An average of 73% touchless expenses, approved and reconciled without human intervention.

Meet the expense management team: Here’s what each agent does — and why finance departments want all of them as a first line of defense.

Travel Policy Agent

• Catchphrase: “Keep calm and stay in policy.”
• Personality: The savvy coach who sets fair rules and rewards smart plays
• Coffee order: House coffee with a loyalty card punch (tastes better that way)

What the Travel Policy Agent actually does:

• Sets dynamic travel policies based on real-time market rates
• Adjusts spend limits automatically for different routes and cities
• Clearly shows travelers their in-policy booking options
• Rewards employees who choose cost-effective travel options
• Updates policy limits automatically as markets change

Why finance teams love it:

• End the constant back-and-forth about what’s in policy.
• Watch travel savings add up as employees choose cost-effective options.
• Stop manually updating policy limits every time markets shift.
• See on-platform compliance improve as travelers actually want to book smart.
• Make travel policy enforcement actually painless for everyone.

How it works in the real world:

A traveler opens Navan to book a hotel. Travel Policy Agent sets a fair spend threshold for that specific search based on real-time rates, then highlights in-policy options and the Navan Rewards available for each. If the traveler picks a hotel under that threshold, the agent recognizes the savings and rewards them with points or dollars they can use toward future personal hotel stays. The traveler gets a solid hotel stay and perks for making smart choices, while the company gets lower travel costs and higher compliance — all without a single “Is this okay to book?” email.

Expense Agent

• Catchphrase: “I’ll take it from here!”
• Personality: The detail-obsessed organizer who transforms chaos into order
• Coffee order: An oat milk latte with three modifiers (auto-categorized as breakfast, even before the barista calls their name)

What the Expense Agent actually does:

• Creates and submits expense reports automatically — no forms, no spreadsheets, no follow-up needed
• Pulls detailed transaction data directly from card networks
• Extracts expense context from travel bookings, calendars, and locations
• Generates clear descriptions for every line item
• Applies correct categories, tags, and codes automatically

Why finance teams love it:

• Get complete expense details without chasing employees for context.
• Stop playing receipt detective — Expense Agent either fetches receipts automatically or matches submitted photos.
• Trust that every transaction is properly categorized and coded.
• Never waste time decoding vague expense descriptions.
• Let your team focus on analysis instead of expense admin.
• Eliminate the dreaded month-end expense backlog.

How it works in the real world:

An employee taps to pay for coffee and pastries with a client. From the trip details, Expense Agent knows the employee is on a customer visit, sees the list of attendees on the calendar, recognizes the merchant, and auto-creates an expense like: “Client coffee with Acme Corp at Local Roasters to review Q1 road map.” In the background, it codes the expense to the correct project and policy. The traveler just taps (no expense report needed); finance gets clean, contextual data with no follow-up needed.

Audit Agent

• Catchphrase: “I read the fine print so you don’t have to.”
• Personality: The sharp-eyed detective who’s calm, consistent, and impossible to fool
• Coffee order: Double espresso — no foam, no frills, and an in-policy tip calculated to the penny

What the Audit Agent actually does:

• Scans every transaction in real time against your spend policies
• Detects 20+ types of suspicious activity (from AI-generated receipts to duplicate charges)
• Creates custom policy rules and keyword flags to catch specific violations
• Flags only non-compliant transactions that need human review
• Applies rules consistently across all employees and regions

Why finance teams love it:

• Review only what matters; compliant transactions clear automatically.
• Get 100% audit coverage without adding headcount.
• Catch policy violations and fraud attempts instantly — not months later.
• Trust that everyone plays by the same rules, no matter their department or location.
• Build custom keyword flags so you don't have to tell Johnny from Sales it's “personnel meal” — not “personal meal” — ever again.
• Free up your team for strategic work instead of transaction spot-checking.

How it works in the real world:

An employee submits what looks like a perfectly normal dinner receipt — the restaurant logo looks right, it even has coffee stains. But Audit Agent's AI analysis detects it was actually generated by AI and automatically flags it for review. Meanwhile, thousands of legitimate expenses clear automatically. The bottom line: Finance teams only see what needs attention, while employees learn that sophisticated fraud attempts won't slip through the cracks.

Reconciliation Agent

• Catchphrase: “Books closed right on schedule — again!”
• Personality: The perfectionist who won't rest until everything adds up
• Coffee Order: A flat white with its signature 1:2 ratio — enjoyed after the last transaction reconciles

What the Reconciliation Agent actually does:

• Automatically matches card transactions with their corresponding travel bookings, receipts, and invoices
• Maps every transaction to the correct GL accounts and cost centers
• Applies proper tax treatments across all entries
• Syncs clean, structured data directly to your ERP system
• Maintains a complete audit trail for every transaction

Why finance teams love it:

• Close the books faster without manual matching or spreadsheet gymnastics.
• Say goodbye to those mysterious, unreconciled transactions that keep you up at night.
• Stop playing detective with missing receipts and orphaned charges.
• Finally have one source of truth instead of data scattered across systems.
• Face audits confidently with complete, accurate records.
• Free up your team from reconciliation busy work to focus on strategic analysis.

How it works in the real world:

A $247.80 hotel charge hits the corporate card. Reconciliation Agent links it to the underlying trip, matches it with the hotel folio, confirms coding from your policies and cost-center structure, and drops it into your accounting review already reconciled. When it’s time to close the books, your team isn’t hunting down who stayed where and why — they’re reviewing a clean, connected record that’s ready to post.

Together, these agents turn messy, real-world spend into structured, reliable data your finance team can run the business on.

Ready to see them in action? Request a demo and put Navan's AI agents for finance to work for your team.