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Put Reconciliation on Autopilot.

Automate your reconciliation process, save time and ensure accuracy with our AI-native solutions.

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Ledgers›Reconciliation
TH
TINA HUDSON001 TECHNOLOGIES
Reconciliation

Lines Today

4,218

318 accounts · 6 banks

Touchless

88%

0% → 88% in 14 weeks

Breaks Open

14

All owned · causes attached

Tie-outs

4 / 4

AP · AR · FA · IC

Match Queue · LiveClose agent matching · bank-to-ledger
LineSourceDescriptionMatchStatus
TXN-01139JPM OperatingWire $48,200.00 · ref 7741searching open itemsAgent · matching…
TXN-01140HSBC GBPFee £1,240.00 · Oct statement—Queued
TXN-01141Citi EURFX diff €38.20 on settlement—Queued
TXN-01142JPM OperatingACH $12,840.12 · ref missing—Queued
TXN-01143HSBC GBPDuplicate of TXN-01127—Queued
TXN-01144Citi EURReceipt €9,420.00 · no open item—Queued
Agent · working TXN-01139 · JPM Operating0 / 6 this cycle
Sub-Ledger Tie-OutsDaily
AP → GL 2100 · Creditorsrechecking…
AR → GL 1200 · Debtors0 diff
Fixed assets → GL 1500/15100 diff
Intercompany · 14 pairs1 break

Sub-ledger balances proven against GL control accounts · workpaper updated on every run.

BreaksTolerance · REC-02
Receipt €9,420 · no open itemTiming · resolution drafted
Owned
Fee variance $184.20Adjusting entry · approved
Cleared
Duplicate statement lineReversed · rule added
Cleared
Every break classified, drafted, and ownedAudit-ready

Trusted by

Client
LSE: ASC
Client
NYSE: SGHC
Client
Client
Client
TTSE: MASSY
Client
Client
Client
Client
TYO: 9984
Client
Client
Client
Client
Client
Client
Client
LSE: ASC
Client
NYSE: SGHC
Client
Client
Client
TTSE: MASSY
Client
Client
Client
Client
TYO: 9984
Client
Client
Client
Client
Client
Client

Reconciliation, Done by Agents.

Reconciliation sits in the Ledgers domain. Agents match bank, ERP, and ledger data continuously, so humans only ever see the exceptions.

The product lives in

Ledgers

Explore domain

An agentic ledger that matches, posts, and closes continuously — exceptions are all that reach a human.

The agents that do the work here3 agents
  1. 01

    Close Agent

    Matches everything, explains the rest
    • Matches statements to ledger lines as they arrive
    • Learns new match rules from how you clear items
    • Explains each unmatched item with likely causes
    Meet the agent
  2. 02

    Reporting Agent

    Reports the state of the close
    • Tracks match rates and ageing per account
    • Produces the recon pack for controllers and audit
    • Answers “what is still open and why” on demand
    Meet the agent
  3. 03

    Policy Enforcer Agent

    Governs adjustments and write-offs
    • Routes write-offs above threshold for approval
    • Enforces segregation on manual adjustments
    • Logs every clearing decision with its evidence
    Meet the agent

Leave Reconciliation to Bond

AUTOMATED RECONCILIATION

MATCHINGAI Pattern Matching

Bond learns your reconciliation patterns and applies intelligent matching rules that improve with every cycle.

Learning Cycles142
Invoice # exact match
98%
1,247 matched
Amount ± 0.01 tolerance
96%
893 matched
Date within 3-day window
94%
756 matched
Counterparty fuzzy match
91%
534 matched
Multi-leg netting match
88%
312 matched
PIPELINEEnd-to-End Recon Pipeline

From data ingestion to final posting — Bond automates the entire reconciliation lifecycle in real time.

Connecting to 12 bank statement feeds●
Ingesting MT940, BAI2, CAMT.053 formats○
Parsing 4,218 transactions across 8 entities○
Normalizing currencies & reference fields○
Applying 36 matching rules (1:1, 1:N, N:N)○
Running AI fuzzy match on 127 exceptions○
Resolving 14 remaining exceptions via AI○
Validating GL account mappings○
Generating reconciliation report○
Posting 3,891 journal entries to ERP○
Match Results
HSBC
REC-0041HSBC → SAP
1:1 Match$145,200
Citi
REC-0042Citi → Oracle
Many:1 Net€89,000
BNP
REC-0043BNP → SAP
1:1 Match£210,500
JPMorgan
REC-0044JPMorgan → NetSuite
AI Resolved$67,800
NatWest
REC-0045NatWest → SAP
1:N Split£42,300
Goldman
REC-0046Goldman → Oracle
1:1 Match€156,700
UBS
REC-0047UBS → SAP
AI ResolvedCHF 94,500
Corpay
REC-0048Corpay → Oracle
Many:1 Net€201,000
MULTI-SOURCEBank-to-ERP Matching

Automatically match bank statements against ERP records across multiple sources in seconds.

Matched0
Unmatched23
Bank Statements
HSBC
HSBCMT940
847 txns●
Citi
CitiBAI2
1,203 txns
BNP Paribas
BNP ParibasCAMT.053
562 txns
JPMorgan
JPMorganMT940
934 txns
ERP Ledgers
SAPFI-GL
2,104 entries
OracleAR/AP
1,442 entries
JOURNALSAutomated Posting

AI-generated journal entries posted automatically once transactions are matched and validated.

Auto-Posted Journals0 / 5
JE-8801US Corp
4000 — Revenue
$145,200 DR●
JE-8802US Corp
1200 — AR Trade
$145,200 CR○
JE-8803EU GmbH
5100 — COGS
€89,000 DR○
JE-8804EU GmbH
2000 — AP Trade
€89,000 CR○
JE-8805UK Ltd
1100 — Cash
£210,500 DR○
GLOBALMulti-Currency Reconciliation

Reconcile transactions across entities, currencies and jurisdictions with automatic FX conversion.

Global Match Rate99.3%
US CorpUSD · 2,104 txns
99.3%
UK LtdGBP · 847 txns
99.3%
EU GmbHEUR · 1,203 txns
99.4%
APAC PteSGD · 562 txns
99.3%
LATAM SABRL · 423 txns
99.1%
FX Conversions Applied
GBP → USD
£12.4M1.2741
EUR → USD
€8.7M1.0892
SGD → USD
S$3.2M0.7456

TIE-OUTS, TOLERANCES, BREAKS & WORKPAPERS

Proof, Not Just Matching.

Sub-ledger tie-outs · daily4 of 4
AP sub-ledger → GL 2100Tying out…
Creditors control · 1,842 open items
AR sub-ledger → GL 1200Queued
Debtors control · 964 open items
Fixed assets → GL 1500/1510Queued
Register · cost & accumulated depreciation
Intercompany · 14 pairsQueued
Both sides matched across entities
Sub-ledger to GL, proven every dayNot just bank to book

Sub-Ledger to GL, Proven.

AP, AR, fixed assets, and intercompany tied out to the GL control accounts every day — not just bank to book.

Matching tolerancesPolicy · REC-02
Amount± $0.50 per line
FX differences± 0.2% of rate
Bank fees< 0.5% of principal
Agent: clear 1,184 matches inside tolerance

Tolerance applied per account class · every clearance logged

Your thresholds, applied line by lineNothing hidden

Your Thresholds, Applied.

Matches inside your tolerance clear automatically; anything outside it becomes a break with the difference already computed.

Break BRK-0412 · $184.20 · JPM
1
DetectedStatement line vs open invoice · difference computed
2
ClassifiedTiming · bank fee posted a day late
3
Resolution draftedAdjusting entry · GL 6210 Bank fees
4
Routed & clearedApproved by L. Ortiz · workpaper updated
Timing, fees, FX, duplicates — explainedOwned, not listed

Breaks Worked, Not Listed.

Every break arrives with a probable cause, a drafted resolution, and a named owner — then clears into the workpaper.

RECONCILIATION AGENT · LEARNING CURVE

From Zero to Touchless in One Quarter.

Workpaper · JPM operating · OctoberWP-1042
Matched items4,182 · evidence linked
Open items12 · aged & explained
Adjustments3 journals · posting refs
Sign-offR. Parmar · Controller
Assembled from the reconciliation itselfAudit-ready

Workpapers That Write Themselves.

Matched items, aged open items, adjustments, and sign-off — assembled per account, ready for audit without assembly.

Touchless rate · first 14 weeksClose Agent
Week 10% · observing & proposing
Week 441% · rules promoted
Week 972% · breaks auto-classified
Week 1488% · exceptions only
Every correction becomes a rule the agent keeps0% → 88% in 14 weeks

Touchless in Fourteen Weeks.

The Close Agent starts by proposing and learns from every correction — 0% to 88% touchless in one quarter.

Banks & sub-ledgers

Statements · AP · AR · FA · IC

General ledger

Control accounts

Statement & open-item feeds→
Period-end balances→
Match results & adjustments←
Signed workpapers←
Bank-to-ledger and ledger-to-ledgerOne engine

Every Reconciliation, One Engine.

Bank-to-ledger and sub-ledger-to-GL run on the same matching engine, tolerances, and workpaper output.

LetBondtakeuptheheavyliftingondatacollection,cleaningandmatching,enablingyoutoreconciletransactionsinrealtime.

Trusted by Global Leaders

DON'T TAKE OUR WORD FOR IT

Trusted by global enterprises and critical national infrastructure alike. Bond handles it all, getting smarter with every cycle.

"Bond saves us hours every day. Its AI identifies trapped liquidity then plans the most optimal route to generate more revenue."

Alinda Van Wyk, CFO

100s m

Liquidity Unlocked

Alinda Van Wyk, CFO Logo

The Shell and Equinor JV, Adura, rolled out Bond's full AI system to future-proof their finance and treasury operations.

#1

Independent Producer

 Logo

"Bond was clearly more advanced than other vendors during the RFP process and has transformed our operations with it's AI-powered solutions."

Rajiv Parmar, Treasurer

$150m

Liquidity Managed

Rajiv Parmar, Treasurer Logo

Smart Close Agents

SEE HOW IT WORKS

Free yourself and your team from spreadsheets with smart automation for a more robust reconciliation process.

BANK
Transaction #01139
AI
Analyzing Data
CONNECTING
Matched
COMPLETE
Transaction Reconciled

Bond in Numbers

HUMAN GENIUS, AI EFFICIENCY

Money in motion — executed at speed, measured by performance, aligned to your targets.

$1B+

Liquidity Unlocked

$100M+

Extra Revenue Generated

1,000+

Risk Incidents Mitigated

$36.5B+

Investment Volume Annually

$1T+

Transactions Processed

$50B+

Managed Daily

$1B+

Liquidity Unlocked

$100M+

Extra Revenue Generated

1,000+

Risk Incidents Mitigated

$36.5B+

Investment Volume Annually

$1T+

Transactions Processed

$50B+

Managed Daily

BOOK A DEMO

Ready to automate your reconciliation?

See how Bond can transform your finance operations with AI automation, ROI delivery, and intelligent decision-making.

Book Demo
$1B+

Liquidity Unlocked

$100M+

Extra Revenue Generated

1,000+

Risk Incidents Mitigated

$36.5B+

Investment Volume Annually

$1T+

Transactions Processed

$50B+

Managed Daily

FAQs

Your questions, answered.

Our AI agent automatically matches transactions across multiple data sources using advanced machine learning algorithms, significantly reducing manual work and minimizing errors.
The AI agent can handle bank, cash, intercompany, and other custom reconciliation processes by learning from your specific data patterns. This adaptability ensures consistently accurate results across various financial operations.
While standard AI-powered reconciliation focuses on automating the matching of financial transactions, the AI agent approach goes further by actively identifying anomalies, suggesting resolutions and continuously adapting to your organization’s specific workflows for enhanced accuracy and efficiency.
Yes. Alongside bank-to-ledger, agents tie out the sub-ledgers to the GL — AP open items to the creditors control account, AR to debtors, the fixed-asset register to cost and accumulated depreciation, and intercompany balances across both entities. Each tie-out runs continuously, so a sub-ledger that drifts from the GL is a same-day break, not a month-end surprise.
It gets worked. The agent classifies it — timing, bank fees, FX differences, duplicates, missing postings — drafts the resolution, and either clears it inside your tolerance or routes it to a named owner with the evidence attached. Resolved breaks feed the workpaper automatically, so the audit file builds itself as the month runs.

System of Action

DO BETTER THAN STATIC DASHBOARDS

Bond's AI intelligence layer turns static data into intelligence that doesn't just inform work - it does it.

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New York, NY 10010
United States
Berkeley Square House
London, United Kingdom
W1J 6BD

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Bond Financial Technologies Ltd is an appointed representative of Hurricane Capital UK Limited that is authorised and regulated by the Financial Conduct Authority. Bond Financial Technologies Ltd registered address is Second Floor, Berkeley Square House, London, United Kingdom, W1J 6BD. The information and the services referred to on our site are directed at professional clients, eligible counterparties and retail clients. However, retail clients may only rely on the information herein in relation to corporate finance business. If you have any doubts about your status you must not access our site. This website is for information purposes only. Nothing herein shall be construed (i) as an official confirmation and/or (ii) as advice or a recommendation. Please note that you are required to have read and accepted the terms of our Privacy Policy & Terms of Use before you are able to access our website.