Settlement Reconciliation Guardv1.0.0

A finance team at an e-commerce marketplace needs to reconcile Amazon payout reports against bank statements and refund logs before posting to the ERP. They are encountering unexplained differences in refund timing and fee charges. The skill produces a structured brief separating timing effects from true cash discrepancies.

A payments team is integrating a new card acquiring provider and needs to design reconciliation controls for fee schedules, reserve requirements, and payout timing. The skill generates a review mode for new channel setup, listing evidence sources and matching logic. This helps prevent control gaps from day one.

A SaaS company processes high volumes of subscription refunds and maintains rolling reserves with its PSP. Weekly checks show recurring refund timing mismatches and reserve leakage. The skill creates a discrepancy queue and investigation priorities to isolate true losses from timing differences.

A gig marketplace discovers a batch of worker payouts that never reached bank accounts, causing support escalations. The finance team needs to map orders to payouts, check bank remittance files, and identify whether the issue is a provider error or internal mapping gap. The skill provides a concise investigation brief before escalating to the PSP.

An international digital goods seller faces tax variances between order ledgers and PSP settlement reports due to VAT and GST treatment. During month-end close, the tax and finance teams need to separate tax timing from fee and refund issues. The skill structures evidence review and close controls for human approval.

The platform connects buyers and sellers, earning a commission on each transaction. Settlement reconciliation becomes complex because the platform collects gross payments, deducts fees, and pays out net amounts to sellers. Timing differences between order capture, refund processing, and bank payout create frequent discrepancies.

A PSP processes card payments for merchants, earning fees per transaction and sometimes reserve income. Reconciliation must match card network settlements, merchant payouts, refunds, and chargebacks across multiple banks. Fee schedules and interchange timing create recurring variance themes.

Businesses charge customers on a recurring basis (monthly, annual) through a PSP or direct bank debit. Refunds, prorations, and reserve holds complicate cash reconciliation. The model relies on predictable revenue, but refund timing and reserve leakage can obscure true cash positions.