How does the Cash Management Agent handle bank fees?

It uses fuzzy logic to identify variances caused by fees (e.g., $1.50 difference) and auto-reconciles them within set tolerances, preventing manual work for trivial amounts.

Can it integrate with my existing ERP?

Yes. It connects via API to major ERPs like SAP, Oracle, and NetSuite, automatically pushing validated data to your general ledger and triggering payments.

Is my financial data secure?

Absolutely. The system uses enterprise-grade encryption and governance frameworks to ensure strict compliance with financial data regulations and protect sensitive information.

What is the typical ROI?

Organizations typically see a **70% reduction** in manual reconciliation time and significant savings from fraud prevention and optimized working capital deployment.

Does it work with multiple currencies?

Yes. The agent performs real-time currency conversion and normalization to match payments across different currencies and exchange rates, ensuring accurate global reconciliation.

Cash Management Agent | AI Workers

Cash Management Agent is an AI worker that autonomously reconciles bank transactions using fuzzy logic and detects fraud in real-time.

It reduces manual cash positioning time by 70% while catching duplicate payments and suspicious activities.

What is Cash Management Agent?

Reconciliation Automation. Finance teams are trapped in "reconciliation hell" - matching lump-sum payments against hundreds of open invoices. Complicated by lifting fees, exchange rates, and disjointed remittance advice via email or PDF. CFOs only know true liquidity weeks after month close. Cash Management Agent functions as a 24/7 treasury analyst with superhuman speed and precision.
Imperfect Match Resolution. Solves the problem where $5,000 invoice arrives as $4,985 due to bank fees. Identifies variance, tags it as bank fee, reconciles automatically within pre-set tolerances. Detects surpluses and shortages in real-time, suggesting optimizations like moving idle cash to interest-bearing accounts before human analysts even open spreadsheets.
Treasury Value Generator. Eliminates "swivel chair" inefficiency of copying data between banking portals and accounting systems. 58% of finance functions are already adopting AI agents. Shifts finance professionals from data janitors to strategic architects of capital. Real-time cash positions enable optimized liquidity and reduced external financing reliance.
Continuous Fraud Monitoring. Trade finance is prime target for fake documentation and duplicate invoicing. Cross-references shipping documents with payment requests and historical behavior. Identifies duplicate invoices, phantom shipments, phantom vendors, and unusual outflows. Reduces trade finance fraud losses by up to 70%.

Replaces:

Visual matching of bank statements against Excel spreadsheets.

Daily manual login to multiple banking portals for CSV downloads.

Manual research into small payment discrepancies from fees or FX.

Manual creation of daily liquidity reports.

Manual posting of intercompany offsetting entries.

Ready to see Cash Management Agent in action?

Why Cash Management Agent?

70% Reconciliation Time Reduction. Manual reconciliation drags on for weeks after month ends, delaying financial reporting. Automating ingestion and reasoning over bank data reduces time spent on cash positioning by 70%. Staff focus on strategic analysis rather than administrative drudgery.
70% Fraud Loss Reduction. Automated auditor continuously scans transaction patterns for anomalies in real-time. Cross-references shipping documents with payment requests and historical behavior. Identifies and blocks suspicious activities, protecting company capital and reputation.
Real-Time Working Capital Optimization. Waiting for month-end to understand liquidity is a liability. Processes transactions continuously, providing real-time view of cash positions. Predicts cash flow trends, identifies idle cash, ensures capital is always deployed efficiently to maximize returns.
100% Data Accuracy. Manual data entry is leading cause of financial inaccuracies. AI-driven extraction and validation ensures data integrity. Consistent precision eliminates typos and fatigue-induced mistakes, resulting in pristine ledgers and smoother audits.

How It Works

Workflow Automation

How Cash Management Agent integrates with your systems

Daily Reconciliation Engine

Daily ReconciliationBank MatchingException Management

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Pulls bank statements daily and matches them against ledger entries to identify and report unmatched items.

Data Ingestion. Connect via API to banking portals, SWIFT messages, and ERP ledgers. Harmonize disparate data streams into unified data lake for comprehensive, current view of all cash flows.
Fuzzy Matching. ML algorithms reason over data using fuzzy logic to match bank transactions to open invoices even when amounts don't match perfectly. Identify variances from fees or FX and reconcile automatically within tolerances.
Anomaly Detection. Flag potential fraud (duplicate payments, unusual outflows) for human review. Analyze cash positions to detect surpluses or shortages. Suggest optimization strategies like moving idle funds to interest-bearing accounts.
Automated Posting. Post journal entries to ERP General Ledger. Update customer account balances and close open invoices. Generate real-time cash positioning reports for CFO without manual intervention.

Get Started

Deploy Cash Management Agent to gain clarity over liquidity. Reduce reconciliation time 70%, eliminate fraud risks, and transform treasury from cost center to value generator.

See how Cash Management Agent works for your business

Core Capabilities

Automated Bank Reconciliation

Reasons over daily bank statements to match transactions against ledgers, handling discrepancies like bank fees automatically.

Real-Time Cash Positioning

Aggregates balances across multi-bank architectures to provide instant visibility into global liquidity and working capital.

Anomaly and Fraud Detection

Continuously monitors transaction patterns to flag duplicate payments, phantom vendors, or unusual outflows immediately.

Liquidity Forecasting Optimization

Analyzes historical flows to predict future cash positions and recommend investment of idle surpluses.

Who It's For

Corporate Treasury Departments

To automate the daily cash positioning process and eliminate the manual aggregation of bank data.

Shared Service Centers

To manage high-volume reconciliation across multiple subsidiaries and currencies without increasing headcount.

High-Growth Fintechs

To maintain real-time financial controls and audit trails while scaling transaction volumes exponentially.

Value Outcomes

Process Efficiency

70% time savings

Save time. Automating manual matching reduces reconciliation time by **70%**, freeing staff for analysis.

Financial Accuracy

100% accuracy

Ensure integrity. Eliminates human data entry errors, ensuring **100% accuracy** in ledger postings.

Cash Visibility

Real-time visibility

See clearly. Real-time processing provides up-to-the-minute cash positioning for better liquidity management.

Risk Reduction

70% loss reduction

Stop fraud. Real-time anomaly detection reduces trade finance fraud losses by up to **70%**.

Strategic Value for Decision Makers

For the CFO

**Liquidity Certainty.** The Cash Management Agent gives us real-time visibility into our cash position, eliminating month-end surprises. It reduces reconciliation costs by 70% and optimizes working capital deployment.

For the COO

**Scalable Operations.** We can handle exponential transaction growth without adding headcount. This agent automates the back-office drudgery, ensuring our financial operations are as agile as our business.

For the Owner

**Financial Control.** Stop guessing where your cash is. This tool audits every penny 24/7, protecting against fraud and ensuring every dollar is accounted for instantly.

Why Export Arena

Cash Management Agent is not a standalone tool - it's part of Export Arena's AI & Automation Department as a Service. Pre-trained on global trade nuances, from HS codes to geopolitical risk, it delivers strategic insights tailored to C-suite decision-making. We provide resilience as a service.

See how Cash Management Agent works for your business