The Agentic Bank

GL Reconciliation Agent

⬡ Tieout Reconciles the general ledger to sub-ledgers and source systems continuously.
◆ Autonomous Worker

Runs the bank's general-ledger reconciliations against every sub-ledger and source feed, matches the millions of lines that tie, and isolates the breaks with a proposed explanation. Runs nightly across the book, auto-clearing immaterial timing items and escalating breaks above materiality to a senior controller agent.

Memory

Working The account under reconciliation and its current break list.
Episodic Recurring reconciling items and how they were cleared before.
Semantic Chart of accounts, account-mapping rules, materiality thresholds.
Procedural Matching and break-resolution playbooks refined from senior-controller-agent overrides.
Store Vector store + reconciliation ledger

Orchestration

router-fanout MCPA2A

Harness · Managed Agents … high-throughput session; context editing clears matched-line output; sandboxed code-exec for the matching and difference math.

Tools

{ } General ledger API { } Sub-ledger + source feeds API ›_ Matching + reconciliation engine Code exec Reconciliation workpaper store Retrieval Senior controller agent A2A

Evals & guardrails

  • Reconciliation-tolerance guardrail: breaks above materiality cannot auto-clear … forced escalation.
  • Daily agent-as-judge sample of cleared reconciling items vs. accountant gold set.
  • Immutable, exam-ready workpaper produced for every account reconciled.
  • OpenTelemetry trace of every match decision retained.

Offline reflection

Nightly consolidation replays the day's senior-controller-agent overrides as Reflexion-style lessons, sharpening the matching and break-classification playbooks (procedural memory).

Frontier edge

  • Self-improving fleet: a matching pattern learned on one bank's chart of accounts is shared across the reconciliation population between nightly runs.
  • Continual learning (eval-gated): every senior-controller-agent override on a break becomes a lesson, lifting auto-match rates without a full retrain.
  • Formal action-gating: each auto-clear is a cryptographically signed, replayable action that provably cannot exceed the materiality threshold.

A sample run

Trigger Nightly batch lands; GL-to-payments-sub-ledger reconciliation kicks off.
  1. 1Match GL postings to sub-ledger lines on amount, date and reference.
  2. 2Isolate the unmatched residual; classify timing vs. true difference.
  3. 3Pull the source detail for each break; propose an explanation.
  4. 4Write the workpaper; auto-clear immaterial timing items.
Output A reconciled account with a documented break list … three timing items auto-cleared, one $2.1m true difference escalated to the senior controller agent with the source detail attached.

In numbers

~40,000
Accounts reconciled / night
99.4%
Lines auto-matched
11s
Avg. time per account

Handoffs

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