Clearing unsubmitted corporate card transactions and marking as "personal spend"

Summary:

If an employee doesn’t submit their centrally-settled corporate card transactions into an expense report after a certain number of days, we would like to recover the funds from the employees either by direct debit recovery from their bank accounts or via payroll deduction.

Would it be possible to auto-submit the card transactions as “personal” spend so that the transactions are cleared, accounted appropriately and a credit note is generated which can ultimately be reconciled against the money coming into the bank account in Cash Management.

Otherwise, what is Oracle's advice on how to handle this scenario?

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