Back-office automation for banks and finance teams

Reconcile accounts, clear payment exceptions, prepare dispute cases and draft reports across the systems you already run, with approval before anything commits.

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August reconciliation2,431 lines, 3 breaks explainedReady

In short

A back-office agent works the queues behind every bank and finance team: reconciling accounts and suspense items, investigating payment exceptions, preparing dispute and chargeback cases, and drafting management and regulatory reports. It runs on a schedule or on demand, queries each system under scoped or per-user credentials, and nothing that leaves the building, a posting, a payment, a filing or a report, goes out without a person approving the exact output. Built for operations, finance and shared-services teams that run the same cycle every day or period.

The problem

Bank operations and finance teams run the same cycle every day and every period: pull data from the core system, the card and payment platforms and the general ledger, reconcile it, investigate what does not match, and prepare the correction or the report. Every system has its own login and export format, breaks live in spreadsheets, and a payment repair or a dispute waits while someone gathers the evidence by hand. Analysts spend more time moving data between systems than deciding what it means, and a recurring report is only as reliable as whoever remembered to run it.

What it moves

Reconciliation cycle time: How long a daily or period-end reconciliation takes end to end.
Exception aging: How long breaks, payment exceptions and disputes wait before they are resolved.
Approval turnaround: How long an output waits for a reviewer's sign-off.
On-time reporting: Whether a recurring report or filing goes out on schedule without manual intervention.

How the agent works

Every step is traced. The steps marked for review wait for a person.

Step 1
Run starts
A schedule fires for the daily or period-end cycle, an event such as a failed payment or a new dispute arrives, or an analyst starts a run through an API call or a chat message.
Step 2
Gather and reconcile
The agent queries the systems it needs, core banking, card and payment platforms, the general ledger or your warehouse, and reconciles the figures against your rules or the prior period.
Step 3
Investigate exceptions
For each break, failed payment or dispute, it gathers the transaction history, messages and account notes, and drafts the likely cause and the proposed correction or case.
Step 4
Approval before it commits
Nothing posts, pays, files or sends until a reviewer approves the exact output, with the ability to edit allowed fields before approving.
Human review
Step 5
Deliver and file
Approved corrections, cases and reports go to their destination systems, and the run is filed as a trace for the record.

Controls

Deploy on Dynamiq Cloud, or self-host in your own AWS, Azure, GCP, IBM Cloud, OpenShift or Kubernetes environment alongside the systems it reconciles. Our engineers wire the schedule, the approval gate and the first set of connections with your operations or finance team before handover.

Rules your experts own: Matching tolerances, approval limits and posting rules run as decision tables and rule lists your finance team can read and edit, with saved test cases.
Approval gate on every output: The step that posts, pays, files or sends carries an approval gate, so a run pauses until a person signs off on the exact payload.
Scoped credentials: Each connected system uses its own credential, and rotating one updates every step that uses it, so no single key spans every system the agent touches.
Scheduled and on-demand paths deploy separately: Recurring runs use a shared service credential; analyst-triggered runs can resolve to that analyst's own credentials instead, so access never widens.
Full audit trail: Every run is traced and replayable, including every figure queried and every approval decision.

Systems it connects to

Core banking systems, over API or SQL
Card, payment and dispute platforms, over API
General ledger and ERP, over API
Databases and warehouses (PostgreSQL, MySQL, ClickHouse, Trino)
Slack and Microsoft Teams for approvals
Spreadsheets and reporting tools (Google Sheets)
Ticketing and case systems (Jira, ServiceNow)
Scheduled and event triggers across 2,100+ app integrations

Built with

Industries

Questions and answers

Which back-office processes fit an agent first?

Repetitive, rules-heavy queues with a clear approval point: account and suspense reconciliations, payment exceptions and repairs, dispute and chargeback case preparation, and recurring management or regulatory reports.

Can this run on a schedule?

Yes. A schedule trigger runs the workflow on a cron expression, an event can start it, and an analyst can also start the same workflow on demand.

Does anything ship without approval?

No. The step that posts, pays, files or sends carries an approval gate, so it pauses until a reviewer signs off on the exact output.

Can it prepare disputes and chargebacks?

It gathers the transaction history and evidence, drafts the case for your disputes team and files it once approved. The decision stays with your team.

How many systems can it reach?

Well beyond your core stack: 2,100+ app integrations, plus MCP servers and direct API calls for anything not in the catalog.

What happens if a run needs an analyst's own access?

Deploy a second version of the same workflow where the connection is flagged as a per-user requirement, so an analyst's run resolves to their own credentials instead of a shared one.

See this agent on your data.

Talk to our team. We will walk through how it works in your environment, with your systems.

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