Reviewers
Treasurytreasury@yourco.com
AR teamar@yourco.com
AP teamap@yourco.com
Treasury managertreasury-manager@yourco.com
Assigned reviewers
Decisions go to named owners or authorized teams, with reminders, and every email links back to the case.
SAP AI Agent · FI · Treasury · Bank Configurable
Reconcile SAP bank statements daily with governed AI agents.
Read bank statements, match every line to SAP payments, receipts and bank charges, explain the lines that don't match with a proposed posting, and give treasury a daily cash position by bank account and company code.
- Human-approved
- ECC & S/4HANA
- SOC 2 Type II
- ISO 27001
Bank statement · Account 1000-USD-01 · 2 Novexample run
- 01Statement readCAMT.053 · 418 linesReceived
- 02Lines matched401 matched to payments, receipts and feesMatched
- 03Unmatched explained17 lines · 12 explained, 5 need inputExplained
- 04Postings proposedBank fees and one customer receiptApproval
- 05Post and update cashWaits for the treasury analystOn hold
Design scenario · how the agent is configured to work
Triggered by
Bank statement received
Reads
Bank statements, payments, open items
Validates against
References, amounts and rules
Writes to SAP
Postings and clearing after approval
Approved by
Treasury analyst
Runs on
SAP ECC · SAP S/4HANA
Why it matters
Unmatched bank lines hide the real cash position.
Automatic matching clears most bank lines, but the rest wait in a post-processing queue. Treasury builds the cash position in spreadsheets, and the bank account doesn't reconcile until month-end.
- Leftovers
Lines that don't match
Missing references, combined payments and bank fees leave lines in post-processing.Manual work → Suspense balances → Late reconciliation - Visibility
Cash position in spreadsheets
Treasury collects balances from portals and spreadsheets every morning.Stale numbers → Idle cash → Short-notice borrowing - Close
Month-end reconciliation
Differences pile up and are only explained at month-end.Late close → Audit findings → Unexplained items
How it works
Read. Validate. Decide. Act.
The same four steps as every Artificio agent. The agent does the research and the paperwork; your teams make the decisions.
- 01 · Read
Read the statement
Reads electronic bank statements as they arrive.
- MT940, CAMT.053 and BAI2 formats
- Every line with its reference text
- 02 · Validate
Match each line
Matches lines to SAP payments, receipts and charges.
- Payment runs, customer receipts and fees
- Combined and partial payments
- 03 · Decide
Explain the rest
Explains unmatched lines and proposes a posting.
- Likely customer, supplier or GL account
- Reason shown for each proposal
- 04 · Act
Post and report
Posts approved items and updates the cash position.
- Clearing verified in SAP
- Daily cash by account and company code
Worked example
This morning's statement, from 418 lines to a cash position.
The treasury analyst needs today's cash before the 10:00 funding call. Here is what the agent finds.
Statement line 214 · incoming $64,180.00Unmatched
- Amount
- $64,180.00 creditbank statement
- Payer
- "BRIGHTWAY FDS INC"bank statement
- Reference
- "INV 90051301 90051322 90051340"bank statement
- Customer
- Brightway Foods, 100482customer master
- Open invoices
- 3 invoices, $65,000.00open items
- Difference
- $820.00 shortcalculated
Match found3 invoices
The payment covers three open invoices for Brightway Foods. The $820.00 difference equals the 2% discount on invoice 90051340, paid within terms.
Statement 2 Nov · account 1000-USD-01Approval needed
| Group | Lines | Proposed posting |
|---|---|---|
| Matched automatically | 401 | Already cleared |
| Customer receipt with discount | 1 | Clear 3 invoices, post $820 cash discount |
| Bank fees | 9 | Post to bank charges |
| Payment run returned | 2 | Reopen supplier items; AP contacts supplier |
| Unknown payer | 5 | Treasury to identify |
- MatchingAgentDone
- Approve 10 postingsTreasury analystWaiting
- Identify 5 payersTreasury analystOn hold
Proposed postings wait for approval. Unknown payers stay on a clearing account until someone identifies them.
Design scenario · names and values are fictional and depend on your SAP configuration
Inside the platform
Every case is traceable from start to finish.
The case shows who it is waiting for, what happens next, what the agent checked and exactly what each person is approving.
Bank statement · 1000-USD-01 · 2 Nov
Received Mon 2 Nov, 06:10 · agent version v1
Waiting for treasuryDocumentsAuditRe-assess
ReceivedMatchedApprovalPosted
Now
Waiting for P. Okafor (Treasury analyst) to approve 10 proposed postings, asked Mon 2 Nov at 06:25.
Next
Once approved, the postings clear and the cash position is updated before the 10:00 funding call.
| Step | Owner | Status |
|---|---|---|
| Match 418 lines | Agent | Done |
| Approve 10 postings | P. Okafor · Treasury | Waiting |
| Identify 5 payers | P. Okafor · Treasury | Waiting |
| Update cash position | Agent | On hold |
Question for P. Okafor
Brightway Foods paid $64,180.00 for invoices 90051301, 90051322 and 90051340. The $820.00 difference is the 2% discount on 90051340, paid within terms. Clear all three and post the discount?
ApproveTreat as short paymentAnswer as authorized delegate
- If the payer is unknown
Held, not guessed
Lines with no reliable match stay on a clearing account until treasury identifies them. - If a payment is short
Sent to AR
Short payments that aren't discounts go to AR as possible deductions. - If a payment is returned
Supplier item reopened
Returned payments reopen the supplier item, and AP is told why.
Illustration of how this agent's cases appear on the Artificio platform · names and values are fictional
Capabilities
Bank reconciliation with governance built in.
Every bank line matched or explained, every day.
- Read
Bank formats
MT940, CAMT.053 and BAI2 statements read. - Match
Payments and receipts
Lines matched to payment runs, receipts and fees. - Explain
Unmatched lines
Likely customer, supplier or account proposed. - Post
After approval
Clearing and postings once approved. - Report
Daily cash
Cash by bank account and company code. - Learn
Matching rules
Repeat patterns proposed as new rules.
Ownership
Each unmatched line goes to the right team.
You map accounts and line types to owners. Whoever answers first decides, and anything unassigned goes to the treasury manager.
- Treasury analyst
Daily matching
Postings and unknown lines. - AR team
Customer receipts
Short payments and deductions. - AP team
Returned payments
Supplier bank details and reissues. - GL accountant
Bank charges
Fee accounts and postings. - Payroll
Payroll payments
Payroll lines and returns. - Tax
Tax payments
Tax authority payments. - Controllers
Company codes
Cash by entity. - Treasury manager
Exceptions
Unidentified lines, large items and a daily summary.
Owners, rules and tolerances are configured to your organization and agreed for each deployment.
Controlled autonomy
Start with human oversight. Automate only when ready.
The agent proves itself on your real work before it writes anything to SAP. The platform measures how often your people agree with it, so you decide when to give it more room, case type by case type.
- Step 1Where every agent starts
Shadow mode
The agent proposes every action but writes nothing to SAP. Your people decide, and each answer counts toward the agreement rate.
- Step 2
Approve, then act
The required owners approve. The agent acts in SAP only when the last approval lands.
- Step 3
Act by approved rule
For case types you explicitly configure and approve, such as posting bank fees that match an agreed fee schedule, the agent acts on its own and reports back.
Agreement with the agent · by case typeIllustrative
Bank fees98%
Customer receipts with references92%
Unreferenced receipts66%
- Approval rules are enforced by the platform, whatever the agent's instructions say
- No line is posted to a customer or supplier on a guess
- SAP credentials never reach the agent or its instructions
- Every value carries its source; approved values are locked
Governed agent runtime
Shared platform controls across every Artificio agent.
What makes this agent different is its configuration: its instructions, the tools it may use and the policies it works under. Reviewers, approvals, versions and audit work the same way for every agent you add.
Tools
Read bank statementsRead
Read payments and open itemsRead
Propose postingsRead
Post approved clearing in SAPAction
Read tools and Action tools
Gathering data is kept separate from changing SAP. Action tools are controlled and can require human approval before they run.
Instruction versions
v3ActiveTolerances updated
v2New plant added
v1Created from blueprint
Versioned instructions
Versions can't be edited, and each case keeps the version it started with, so a change never alters work in progress.
Recreations of Artificio platform screens
What we measure
Results you can see in your own numbers.
Every pilot tracks the same four measures from day one, so the business case comes from your data, not ours.
Lines cleared same day
Bank lines matched or posted on the day received.Post-processing backlog
Lines waiting for manual work, tracked daily.Cash position ready
Time the daily cash position is available.Month-end differences
Unexplained bank differences at close.
For SAP teams
Integrates with SAP ECC and S/4HANA through standard interfaces.
The agent reads and writes data through supported SAP interfaces, without modifying standard SAP objects and without replacing your existing governance.
Reads from SAP
| Bank statements | MT940, CAMT.053 and BAI2 |
|---|---|
| Payments | Payment runs and returns |
| Open items | Customer and supplier open items |
| Bank accounts | House banks and GL accounts |
Writes to SAP
| Clearing | Approved postings and clearing |
|---|---|
| Cash position | Daily report by account and company code |
| Handoffs | Short payments to AR, returns to AP |
| Responses | Every SAP response recorded on the case |
ScopeWorks on the electronic bank statements already imported into SAP, alongside your existing statement processing and post-processing. Bank formats and accounts in scope are agreed in discovery.
Pilot approach
Start with your busiest bank accounts.
A focused pilot in your QA or sandbox system proves the agent on your own data before anything reaches production.
- Phase 1
Connect
Review SAP edition, interfaces, authorizations and representative data.
- Phase 2
Configure
Agree the accounts, matching rules, posting rules and approvers.
- Phase 3
Pilot
Process real statements in shadow mode: the agent proposes, treasury posts.
- Phase 4
Expand
Review the four measures, then add accounts and approved automatic postings.
Frequently asked questions
Questions SAP teams ask.
Which bank statement formats does it read?
MT940, CAMT.053 and BAI2, as imported into SAP. Other formats are agreed in discovery.
Does it replace our automatic matching?
No. It works on the lines your existing matching leaves for post-processing, and proposes new rules for repeat patterns.
Does it post without approval?
Not by default. You can allow automatic posting for clear cases, such as bank fees on an agreed schedule.
How is the cash position built?
From reconciled bank balances plus expected payments and receipts in SAP, by bank account and company code.
Does it connect to our banks directly?
No. It reads the statements already received in SAP. Bank connectivity stays as it is.
Is the Cash & Bank Reconciliation Agent available today?
It is configured on request on the same governed platform as Artificio's available agents. We start by scoping your process and systems, then configure and test the agent in a pilot in your SAP QA or sandbox system before anything reaches production.
Does the Cash & Bank Reconciliation Agent write to SAP without approval?
Not by default. Every agent starts in shadow mode, where nothing is written to SAP. After that, the required owners approve before the agent acts. Automatic action is only possible for cases you explicitly configure and approve.
Which SAP versions are supported?
SAP ECC and SAP S/4HANA. The exact interfaces and scope are confirmed for your release and deployment during technical discovery; S/4HANA Cloud Public Edition is reviewed case by case.
Security & compliance
Enterprise security across every agent
ISO 27001:2013 certified, SOC 2 Type 2 compliant, GDPR and HIPAA ready. Every agent action is logged and auditable, and SAP credentials stay in the platform's integration accounts.
- ISO 27001:2013
- SOC 2 Type II
- GDPR ready
- HIPAA ready
See it working
Two ways to get started.
Request Demo
Talk through your bank reconciliation and cash reporting with our team, and see how a similar agent works on the Artificio platform.
Request DemoDiscuss an SAP pilot
Scope a pilot on your busiest bank accounts in your SAP QA or sandbox system, with the four measures agreed up front.
Discuss an SAP pilot