Settlement Reconciliation

As of 2026-06-16 · contractual T+1 · synthetic data

Transactions

50,000

Match rate

97.90%

48,951 clean

Exception events

1,148

1,049 ledger + 99 settlement-only

Gross exposure

$159,299

Net position

$5,268

bank owes us

Population reconciliation. 48,951 clean + 1,049 flagged = 50,000 ledger transactions. The remaining 99 exception events are not ledger transactions — bank rows with no matching txn, and duplicate settlements against transactions that themselves matched cleanly. Adding clean + exception events gives 50,099, which is why the two populations are reported separately.

Breaks by type — exposure-ranked

timing lag low

492 items · $105,656 exposure · owner: monitor only

missing at bank high

117 items · $27,597 exposure · owner: settlement ops

missing in ledger critical

58 items · $13,547 exposure · owner: finance + engineering

duplicate settlement high

41 items · $8,844 exposure · owner: bank relations

amount mismatch medium

163 items · $3,178 exposure · owner: merchant ops

fx variance medium

74 items · $339 exposure · owner: treasury

fee discrepancy high

203 items · $138 exposure · owner: network relations

Aging — open exceptions

Age	Items	Exposure
0-1d	54	$3,923.50
2-3d	82	$7,897.49
4-7d	177	$16,103.40
8d+	343	$25,718.94

Exposure by rail

Rail	Items	Exposure
ecom credit	236	$49,426.60
card present credit	236	$34,203.43
cross border	138	$27,582.74
card present debit	372	$25,703.10
unknown	58	$13,547.35
ecom debit	108	$8,835.66

Top open items

Txn	Type	Exposure	Age	Detail
TXN048673	missing at bank	$865.59	5d	no settlement received; 865.59 net due
TXN001282	missing at bank	$849.53	14d	no settlement received; 849.53 net due
TXN048570	timing lag	$846.99	2d	settled T+3 vs contractual T+1
TXN022962	timing lag	$781.01	5d	settled T+3 vs contractual T+1
TXN044147	timing lag	$780.78	2d	settled T+3 vs contractual T+1
TXN005227	missing at bank	$778.92	14d	no settlement received; 778.92 net due
TXN029162	timing lag	$761.27	3d	settled T+3 vs contractual T+1
TXN020025	timing lag	$755.85	11d	settled T+3 vs contractual T+1
TXN024978	timing lag	$735.35	11d	settled T+3 vs contractual T+1
TXN024717	timing lag	$734.17	7d	settled T+3 vs contractual T+1
TXN018285	timing lag	$732.60	2d	settled T+2 vs contractual T+1
TXN040293	timing lag	$728.03	12d	settled T+2 vs contractual T+1
TXN005875	timing lag	$703.19	5d	settled T+2 vs contractual T+1
TXN009918	missing at bank	$693.57	2d	no settlement received; 693.57 net due
TXN900029	missing in ledger	$660.60	2d	bank settled 660.60 for unknown reference