Reconciliation Break Detection

Three-way match across ledger, processor, and bank feeds into break buckets, auto-resolve rules, and the exception queue

Reconciliation Break Detection Three-way match across ledger, processor, and bank feeds into break buckets, auto-resolve rules, and the exception queue 01 / Sources 02 / Match 03 / Break Buckets 04 / Auto-Resolve 05 / Exception Internal Ledger · system of record · 01 / Sources · GL entries Internal Ledger system of record GL entries Processor Report · settlement file · 01 / Sources · payouts Processor Report settlement file payouts Bank Statement · BAI2 / camt.053 · 01 / Sources · cleared Bank Statement BAI2 / camt.053 cleared Matching Engine · three-way match · 02 / Match · keys + amount Matching Engine three-way match keys + amount Amount Break · value mismatch · 03 / Break Buckets · delta Amount Break value mismatch delta Timing Break · date lag · 03 / Break Buckets · in transit Timing Break date lag in transit Missing · no counterpart · 03 / Break Buckets · unmatched Missing no counterpart unmatched Auto-Resolve Rules · tolerance + aging · 04 / Auto-Resolve · rules Auto-Resolve Rules tolerance + aging rules Exception Queue · analyst review · 05 / Exception · unresolved Exception Queue analyst review unresolved ledger entries system of record processor lines settlement bank lines cleared cash value mismatch break delay break no match break candidate within tolerance candidate aging candidate expected lag unresolved manual review Legend primary data policy / PII async batch data store

Three-Way Match

  • • Ledger, processor, and bank feeds converge on one matching engine
  • • Clean matches clear silently; only differences flow onward
  • • Match keys pair records by reference, date window, and amount

Break Buckets

  • • Amount breaks flag value deltas beyond tolerance
  • • Timing breaks capture in-transit cash awaiting settlement
  • • Missing items have no counterpart on one side

Resolve and Escalate

  • • Auto-resolve rules clear breaks within tolerance and expected aging
  • • Whatever the rules cannot close lands in the exception queue
  • • Analysts review only the residual, not every line

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