Reconciliation Agent — Transaction Matching & Exception Handling
Automated reconciliation: data ingestion → matching → discrepancy detection → auto-resolution → audit trail · 99.2% auto-match rate
1 Data source ingestion
Internal ledger
Transaction DB
User wallets
Card transactions
Remittance records
Fee ledger
Partner data
Partner API pulls
SFTP file drops
Webhook events
Daily statements
Settlement reports
Bank data
Bank statements
MT940/MT942
ACH returns
Wire confirmations
Nostro balances
On-chain data
USDC transfers
Block confirmations
Gas fees
Smart contract events
Multi-chain indexer
Card networks
Visa settlements
Marqeta reports
Auth vs clearing
Chargebacks
Interchange fees
Ingestion: real-time
2 Intelligent matching engine
Match keys
Transaction ID
Partner reference
Amount + date
User ID + amount
Fuzzy matching (ML)
Match types
1:1 exact match
1:N split match
N:1 aggregated
Partial match
No match
Tolerance rules
Amount: ±$0.01
Date: ±2 days
FX variance: ±0.1%
Fee tolerance
Rounding rules
Match confidence
High (>95%)
Medium (80-95%)
Low (<80%)
Auto-confirm (high)
Manual review (low)
Auto-match: 99.2%
Processing
Real-time matching
Batch processing
End-of-day sweep
Retry logic
Aged item handling
3 Discrepancy detection & classification
Discrepancy types
Amount mismatch
Missing in partner
Missing in ledger
Status mismatch
Timing difference
Root cause analysis
AI pattern detection
FX rate variance
Fee calculation error
Duplicate transaction
System error
Priority scoring
P1: >$10K (1h SLA)
P2: $1K-$10K (4h)
P3: <$1K (24h)
Age escalation
Customer impact
Assignment
Auto-assign rules
Ops team queue
Partner escalation
Finance review
Workload balancing
Avg resolution: 2.4h
4 Auto-resolution & workflows
Auto-resolve rules
Timing: auto-clear
Rounding: auto-adj
Fee variance: write-off
FX diff: tolerance
Duplicate: merge
Manual workflows
Investigation task
Partner query
Bank inquiry
User communication
Documentation
Resolution actions
Ledger adjustment
Partner credit/debit
User refund
Fee reversal
Write-off (approval)
Approvals
<$100: auto
$100-$1K: ops lead
$1K-$10K: manager
>$10K: finance
Audit trail
Partner disputes
Dispute creation
Evidence attach
Partner response
Arbitration
Settlement
5 Reporting & audit
Operational reports
Daily recon summary
Open items aging
Resolution metrics
Partner breakdown
Exception trends
Financial reports
Daily cash position
Suspense balances
Write-off summary
Fee reconciliation
P&L impact
Audit trail
Full transaction log
Match history
User actions
Approval chain
Immutable records
Compliance
SOX controls
External audit
Regulatory reports
MTL requirements
Record retention
Audit-ready: always