◆ Autonomous Worker
Owns the unmatched cash. Reads the nostro statement, finds why the ledger and the agent bank disagree (timing, a missing entry, an FX fee booked separately), and clears the break or posts the correcting journal. Clears continuously as statements land; above-band journals route to an oversight agent.
Memory
Working The unmatched item, the candidate counter-entries, the lean.
Episodic Prior breaks on this account; recurring timing patterns.
Semantic Cash-management conventions, FX-fee booking rules, value-date logic.
Procedural Match-and-clear playbooks per break type.
Store Vector store + recon-engine state
Orchestration
router-fanout MCP
Harness · Managed Agents … per-break session; compaction on long statement scans; structured note-taking carries the break hypothesis across lookups.
Tools
{ } Reconciliation engine (Intellimatch/SmartStream) API { } Nostro statements (MT940/camt) API { } General ledger API { } Payments + core banking API ⇄ Oversight recon agent A2A
Evals & guardrails
- Tolerance guardrail: write-offs/journals above band cannot auto-post … routed to an oversight agent.
- Agent-as-judge sampling of cleared breaks vs. the affirmed gold set.
- Aged-break monitoring; anything past the recon SLA escalates.
- Every journal posted carries an immutable rationale linked to the source entries.
Offline reflection
Consolidates recurring timing-difference patterns so predictable cross-day breaks auto-match next cycle instead of re-generating as exceptions.
Frontier edge
- ▲Continual learning (eval-gated): each cleared break sharpens the match-and-clear playbooks between cycles (SEAL-style), so the same timing pattern stops re-generating as an exception.
- ▲Causal reasoning: attributes a break to its real cause (value-date timing vs. a split fee booking) by counterfactual reasoning, not amount-proximity guessing.
- ▲Proactive: pre-matches predictable cross-day timing differences before the statement lands, so they never surface as a queue item.
A sample run
Trigger Nostro break: $48,210 debit on the agent statement, no ledger match.
- 1Scan the ledger for a near-match by amount, currency and value date.
- 2Find a same-amount entry booked one day later … a value-date timing diff.
- 3Confirm the FX-fee component ($210) booked to a separate account.
Output Auto-clears the timing break and matches the fee entry; logs the rationale. Anything ambiguous or above tolerance routes to the oversight agent with the analysis done.
In numbers
44,000
Breaks cleared / day
88%
Auto-clear rate
near-zero
Recon backlog