Multiple payment sources
Information arrived through different channels and had to be normalized before it could be compared.
AOD CASE · FINANCIAL SERVICES
Payments reconciled overnight.
Updated information at the start of the day.
We automate bank-payment reconciliation and update those payments in the customer’s administrative platform through an overnight, unattended and traceable process.
OVERNIGHT · UNATTENDED EXECUTION
Bank payments
Payment sources
Reconciliation
Rules + validations
Update
Administrative platform
Process completedPayments available the next day
23:0006:00
THE CHALLENGE
When reconciliation is delayed, financial visibility is delayed as well.
Reconciliation had to be performed manually alongside the user’s other operational responsibilities. As a result, received payments could not always be processed at the same pace at which they arrived, creating gaps between banking reality and the information available in the administrative platform. The impact went beyond workload: the company could begin the day without a sufficiently current view of receivables, payments already made and the resources actually available.
Validations and exceptions
Not all payments could be handled the same way: there were rules, matches, exceptions and cases requiring traceability.
Lagging financial visibility
While payments remained unreconciled, the administrative platform did not fully reflect the real financial situation, making it difficult to know precisely what had been collected, what remained outstanding and what resources the company had available.
THE TRANSFORMATION
From an operational sequence to an automated overnight cycle.
We designed an unattended process that runs on a schedule, processes banking information, applies business rules, identifies exceptions and automatically updates reconciled payments in the administrative platform.
Information retrievalThe process retrieves the required transactions and files from defined sources.
NormalizationStandardizes formats and prepares the information for comparison.
ReconciliationApplies rules and validations to correctly identify payments.
Exception managementSeparates cases requiring review without stopping the rest of the process.
Automatic updateRecords reconciled payments in the customer’s administrative platform.
Audit and traceabilityLeaves evidence of each execution result for monitoring and control.
HOW IT WORKS
While the operation rests, the process keeps working.
The goal is not only to reconcile. It is to complete the cycle so information is available and current at the start of the next business day.
23:00
Inicio programado
Execution starts automatically.
01
Bank processing
Reading, consolidation and normalization.
02
Reconciliation
Rules, matches and exceptions.
03
Update
Automatic recording in the platform.
AM
Updated operation
Payments are available at the start of the day.
THE OUTCOME
Up-to-date payments for operating with a clearer financial view.
Visibilidad financiera actualizada
At the start of the day, payments processed overnight are already reconciled and reflected in the platform, reducing the gap between banking reality and administrative information.
Unattended process
Execution does not depend on a person manually starting each stage.
Greater consistency
The same rules and validations are applied consistently in every execution.
Greater receivables control
The company can more clearly distinguish which obligations were paid, which remain outstanding and which exceptions require attention.
Decisions with current information
A more timely view of payments and receivables makes it possible to prioritize collections, manage availability and make operational and financial decisions with better information.
Greater capacity for growth
The operation can absorb greater volumes without proportionally increasing manual effort.
OPERATIONAL IMPACT
From a manual reconciliation process that could accumulate delays to starting each day with payments processed, receivables more current and a much clearer financial view for decisions and operations.
YOUR PROCESS MAY HAVE A SIMILAR OPPORTUNITY
Do you have reconciliations, validations or updates that still depend on manual execution?
We can analyze the complete process and identify where automation, integration and business rules can create a more agile and reliable operation.