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Banking Operations

Agent Ledgr

Back-office banking, on autopilot.

Agent Ledgr works the banking back office like your best operations analyst — without the backlog. It reconciles transactions across core banking, payment rails, and ledgers, investigates and resolves breaks, processes payment exceptions, runs periodic KYC/KYB refresh outreach, and assembles the evidence packs your regulatory reports need. High-value or unusual items always route to a human approver.

Hand entering a PIN on a bank ATM keypad
Banking Operations
90%
of reconciliation breaks auto-resolved
60%
reduction in back-office effort
T+0
same-day exception clearance
The Business Case

From Business Problem to Running System

What it costs you today, how the technology actually plugs in, and what changes on your P&L.

Business reality

The Problem

Reconciliation breaks, payment exceptions, and KYC refresh cycles pile up faster than back-office teams can clear them — and every unresolved item is regulatory and financial risk carried overnight.

How it plugs in

Our Approach

Ledgr plugs into your core banking, payment rails, and ledgers, matches transactions continuously, investigates breaks the way an analyst would, and posts corrections within maker-checker limits you configure.

What changes

The Payoff

Same-day exception clearance instead of quarter-long backlogs, roughly 60% less manual back-office effort, and an evidence trail mapped to your control framework that survives audit without preparation sprints.

How It Works

From Signal to Resolution

Agent Ledgr runs a continuous loop — always observable, always interruptible, always logged.

WORK INTemenos / Finacle / F…SWIFT & ISO 20022 mes…Payment gateways & ca…AGENT LEDGR — CONTINUOUS LOOP1MatchPulls transactions from every sou…ce and matches them across ledger…2InvestigateChases the cause of each break —…iming, fees, FX, duplicates — usi…3ResolvePosts correcting entries and repa…rs exceptions within approved lim…4ReportEscalates residual items with evi…ence and assembles audit-ready su…learns from every correctionOUTCOMES90%of reconciliation breaks auto-res…60%reduction in back-office effortT+0same-day exception clearanceYour team reviews & approvesEscalations arrive with full context attachedRuns on Orchestra — every step traced, replayable, and auditableRBAC · SSO · audit export
1

Match

Pulls transactions from every source and matches them across ledgers and rails.

2

Investigate

Chases the cause of each break — timing, fees, FX, duplicates — using your rules.

3

Resolve

Posts correcting entries and repairs exceptions within approved limits.

4

Report

Escalates residual items with evidence and assembles audit-ready summaries.

In Practice

What Teams Put Ledgr On First

Concrete, bounded processes — the fastest way to prove value before widening the mandate.

01

Nostro & ledger reconciliation

Matches transactions across rails and ledgers daily; investigates and posts corrections for breaks within limits.

02

Payment exception repair

Failed and misrouted payments diagnosed and repaired the same day, with maker-checker on high values.

03

KYC / KYB refresh cycles

Periodic refresh outreach, document collection, and registry checks run continuously instead of in panicked batches.

04

Regulatory report prep

Evidence packs and data validations assembled ahead of filing deadlines, ready for sign-off.

What Agent Ledgr Does

Multi-source transaction reconciliation and break resolution
Payment exception investigation and repair
KYC / KYB periodic refresh with customer outreach
Dispute intake, tracking, and documentation
Regulatory report data assembly and validation
End-of-day and end-of-month close support

Guardrails & Governance

Monetary limits with maker-checker approval above threshold
Immutable audit trail mapped to your control framework
Segregation-of-duties enforced at the workflow level

Works With Your Stack

Temenos / Finacle / FlexcubeSWIFT & ISO 20022 message flowsPayment gateways & card networksExcel / CSV legacy workflowsYour data warehouse

Ready to Put Agents to Work?

Tell us which process hurts most — email backlog, reconciliation, claims, scheduling — and we'll show you an agent handling it, governed and auditable, within weeks.