The reconciliation
nobody really wants to open.
Legacy cores, nightly batches, seven spreadsheets cross-checking each other, and a compliance trail living in three different file formats. We automate the matching, the chasing, and the explaining — so your team stops ending the month in the month.
line items
(from 6 days)
without escalation
Money moves fast. The paperwork around it doesn’t.
The ledger balances. The regulators eventually get their report. What nobody talks about is the six analysts who spent four days getting there — opening tickets, chasing counterparty confirmations, pasting CSVs into a model that was already broken in Q2. We replace the chasing, not the judgement.
Reconciliation as a full-time job
Nostro accounts, card settlements, internal transfers — each one matched by a human against a file that arrived by SFTP at 2:14 a.m.
KYC and onboarding friction
Document uploads, manual sanctions screening, risk rating decided in a meeting nobody scheduled. The customer waits five days for a “welcome” email.
Regulatory reporting cycle
Every quarter, the same three people extract, transform, and reformat the same numbers into the same regulator’s template. Each one slightly different than last time.
Four processes that close themselves.
The backbone of daily finops — reconciliation, onboarding, payments exceptions, and disputes — each handled by an agent that doesn’t need a Monday morning catch-up.
Automated Reconciliation & Break Resolution
Every settlement file, ledger entry, and counterparty confirmation is matched line-by-line with fuzzy tolerance and full audit trail. Obvious breaks resolve themselves; genuine exceptions surface pre-diagnosed to the right analyst.
- 99.6% automatic match rate across nostro and card files
- Exceptions arrive with probable cause and suggested fix
- Audit trail captured per match, never re-keyed
KYC & Customer Onboarding
ID verification, sanctions screening, PEP lookup, document extraction, and initial risk rating all happen on the agent’s side. The customer uploads once; the case lands on a compliance officer’s desk fully annotated, or gets auto-approved under the low-risk threshold.
- Median onboarding time: 6 minutes (from 5 days)
- 82% of low-risk cases auto-approved with full audit
- Sanctions and PEP screens refreshed automatically
Payment Exceptions & Repair
Rejected wires, failed ACH, mis-routed SEPA instructions — classified, repaired, and resubmitted automatically where possible. Clients are kept informed; operators see only the cases that actually need human judgement.
- 74% of exceptions auto-repaired and resubmitted
- Client notifications sent with ETA, in their language
- Recurring exception patterns surfaced for root-cause fix
Dispute & Chargeback Handling
Card disputes, ACH returns, and merchant chargebacks are intake, classified, evidence-gathered, and drafted — all before a case manager opens the file. The operator reviews, signs off, submits.
- 92% of cases resolved without a second touch
- Evidence packs assembled from the source systems
- Win-rate tracked per merchant, per dispute reason
Four modules that keep the regulator calm.
The compliance side of the house — monitoring, reporting, reviewing, and documenting — running continuously instead of in quarterly panics.
Transaction Monitoring & SAR Drafting
Every transaction is scored against behavioural models, typology rules, and peer-group baselines. True positives reach the SAR officer pre-drafted with narrative, evidence, and linked prior alerts.
- False-positive rate reduced by 64% vs. rules-only
- SAR narratives drafted in under 90 seconds
- Prior alerts linked automatically to the current case
Regulatory Reporting Automation
Capital, liquidity, and prudential returns are extracted, transformed, and validated against schema before a human opens the file. Submission packs are versioned, signed, and filed straight through.
- Quarterly pack prep: 2 days (from 3 weeks)
- Schema validation before submission, not after rejection
- Sign-off trail documented per line, per version
Customer Risk Re-rating & Reviews
Periodic risk reviews are triggered by behavioural change, not calendar date. The agent pulls current usage, adverse media, sanctions changes, and drafts a review memo — the officer approves or intervenes.
- Risk reviews completed on cause, not on backlog
- Adverse media screened daily, not annually
- Review memo drafted from current source data
Evidence-Grade Audit Trail
Every decision — automated or human — is timestamped, attributed, and linked to the underlying data version. When the regulator or auditor asks, the answer is a link, not a three-week investigation.
- Every action signed, timestamped, attributed
- Data lineage preserved from source to decision
- Audit requests answered in hours, not weeks
Ask about your specific friction.
We’ll tell you which of these modules applies to your stack and what a realistic first step looks like — usually smaller than you expect, and faster to ship.
Tell us where the ledger gets stuck.
We’ll come back with a concrete starting point — usually one workflow, one system, demonstrable value before the next close cycle.
hello@cueroinc.com