💰 Finance & Fintech · Payments Engineering

Build daily reconciliation that catches drift

Three-way match between internal ledger, processor settlement, and bank statements.

intermediate~35 minFintech EngineersFinancial AnalystsRisk Teams

Steps

1Normalize all three sources to one canonical schema with IDs preserved
2Match on reference IDs first, then fuzzy-match residuals by amount+date window
3Categorize breaks: timing, fees missing, duplicates, true mismatches
4Auto-resolve known-benign classes (settlement T+1) with aging limits
5Route aged breaks to humans with full context attached
6Publish break-rate trend weekly; sudden spikes mean upstream change

Common Pitfalls

▲Manual spreadsheet reconciliation hiding systemic issues
▲Fee lines unmatched forever, polluting true mismatch counts

Commands

Install with skills CLI

$ npx skills add aniruddhaadak80/skills --skill payments-engineering-reconciliation-flow

Install globally

$ npx skills add aniruddhaadak80/skills --skill payments-engineering-reconciliation-flow -g

Tags

#reconciliation#finance-ops#finance-fintech#payments-engineering

Install this skill

$ npx skills add aniruddhaadak80/skills --skill payments-engineering-reconciliation-flow -a opencode

SKILL.md

# Build daily reconciliation that catches drift

> Three-way match between internal ledger, processor settlement, and bank statements.

## When to Use This Skill

Three-way match between internal ledger, processor settlement, and bank statements.

## Steps

1. Normalize all three sources to one canonical schema with IDs preserved
2. Match on reference IDs first, then fuzzy-match residuals by amount+date window
3. Categorize breaks: timing, fees missing, duplicates, true mismatches
4. Auto-resolve known-benign classes (settlement T+1) with aging limits
5. Route aged breaks to humans with full context attached
6. Publish break-rate trend weekly; sudden spikes mean upstream change

## Common Pitfalls

- Manual spreadsheet reconciliation hiding systemic issues
- Fee lines unmatched forever, polluting true mismatch counts

View source on GitHub ↗

Immutable journal entries, balanced postings, and derived balances keeping money math provable.

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