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Voice-cloning fraud increasingly relies on surgical injection: a genuine conversation in which only one or two sentences are replaced by synthetic speech. Utterance-level deepfake detectors emit a single real/fake label per clip and cannot report where the synthetic speech lies. We formalise this as Temporal Deepfake Localisation in Multi-Speaker Conversations (TDLMC), show that equal error rate and min-DCF are ill-posed once a file contains both classes, and propose temporal metrics for this regime. Our contribution is a training-free five-stage pipeline that wraps a frozen binary detector and adds segment-level output with no retraining, using a two-threshold hysteresis finitestate-machine decoder to turn noisy window scores into coherent intervals. On 180 constructed multi-speaker conversations from ASVspoof 5, the system attains temporal intersection-over-union 0.90, temporal detection rate 0.95, and MS-DCF 0.26 with a strong backbone, and its false-alarm rate on genuine speech is below 6%, falling under 2% on genuine real multi-speaker dialogue (AMI). Under an identical pipeline, a trained localiser improves temporal IoU by only about 0.04, bounding the cost of forgoing supervision. Evaluated across three frozen detectors under one decoder whose constants are selected on a held-out calibration split, and with a controlled analysis attributing the residual false-alarm rate to a backbone domain gap rather than to the decoder, this provides the first zero-shot baseline and a reusable benchmark for TDLMC.
