A governed agent suite that pulls bank movements, card settlements, SII tax documents and Buk payroll centralizations, matches them against the accounting system of record (Odoo, NetSuite, SAP), resolves the long tail of fuzzy matches with an LLM under explicit policy, and surfaces only the unresolvable cases for a human accountant. Every link, every ignore, every annotation is recorded in an immutable audit trail and round-trips into the ERP under the operator's user.
Reconciliation is the slowest, most error-prone link in monthly close. Bank statements arrive in heterogeneous formats, card processors lump days of activity into a single deposit, the SII publishes documents on its own cadence, and payroll centralizations land as compound entries. Most teams handle it by hand, in spreadsheets, against the clock.
The Finance reconciliation suite runs four governed agents — one per source (bank, card, SII, Buk) — that each produce a typed link, ignore or pending decision, with the evidence behind it. Deterministic rules clear the obvious matches; the agent layer resolves the fuzzy ones with explicit policy bounds; the human reviews exceptions only.
The platform never posts to the ERP without a recorded approval. Each link is reversible, each agent decision expands into the underlying tool calls, and the audit log is exportable for external auditors and the SII review process.
In a typical mid-market Chilean operation closing a single month touches four reconciliation surfaces — bank, card, SII and Buk — each with its own format, cadence and edge cases. The team spends days copy-pasting between spreadsheets and the ERP, and the long tail of fuzzy matches (a deposit that aggregates three invoices, a card settlement net of fees, a Boleta de Honorarios that lags the SII by 48 hours) consumes most of the effort.
Generic OCR and rule-based reconcilers solve the easy half and silently break on the rest. What the operation actually needs is a runtime that combines deterministic rules for the high-confidence cases, an agent layer that proposes resolutions for the ambiguous ones with traceable evidence, and a human queue for what remains — all under one audit log so external auditors and the SII can reconstruct any decision after the fact.
Four agents (bank, card, SII, Buk) on the Xophia orchestration core, each implementing the same five-phase pipeline. The agents only ever read from the ERP and the source systems; every write — link, unlink, ignore, annotate, post — is gated behind an operator's approval and executed under that operator's user inside the ERP.
Pulls daily bank statements (typed connectors per bank), card settlement files, SII libros (compras/ventas/honorarios), Buk centralization payloads and the open accounting state from the ERP. Read-only.
Exact-amount, exact-date and reference-number matches clear without LLM involvement. The bulk of routine activity (typically 60–80%) resolves here; nothing leaves this phase without a recorded match strength.
For unmatched items the reconcile agent proposes a link or a typed ignore reason. Each proposal cites the source rows on both sides, the rule that flagged it, and the policy clause that allows the resolution. Confidence below the configured threshold routes to the exception queue.
The accountant sees only the unresolved tail in the Xophia console: side-by-side source rows, the agent's proposed action, and a one-click approve / edit / reject. Bulk operations (e.g., approve all card settlements net of fees from processor X) are first-class.
Approved actions write to the ERP through the connector under the operator's user. Each action emits an immutable audit row: source ids on both sides, agent trace id, policy clause, operator id and timestamp. The reconciliation state machine advances and the audit row is exportable for the external auditor and the SII.
| System | Role |
|---|---|
| Odoo / NetSuite / SAP | ERP (system of record) |
| BCI · Santander · Itaú · BancoEstado · Banco de Chile | Bank statement connectors |
| Cardda · Transbank · Webpay | Card settlement connectors |
| SII | Tax documents (compras, ventas, honorarios) |
| Buk | Payroll centralization |
| Xophia audit log | Compliance and external audit |
Count of source rows resolved via deterministic rule or approved agent proposal, divided by total reconcilable rows in the period.
From the moment all source files are ingested for the period, to the moment 100% of items are in a terminal state (matched, ignored or escalated).
Distribution of (now − exception_created_at) over items in the exception queue, measured daily.
Audit-log check: every link, unlink, ignore and post must reference both source rows and an operator id; gaps trigger a compliance alert.
An anonymized run from a Tuesday morning bank reconciliation. Every line below corresponds to a row in the audit log; nothing is editorialized.
Daily run for legal entity LE-02. The bank statement contains 47 movements. Deterministic rules cleared 31; the agent proposed resolutions for 14 and routed 2 to the exception queue.
| Tool | Input | Output |
|---|---|---|
bank.list_statement_movements | entity_id=LE-02, account=CL-BCI-1234, date=2026-05-04 | 47 movements, total amount CLP 184,520,330 |
erp.list_open_invoices | entity_id=LE-02, status=posted, payment_state=not_paid, currency=CLP | 212 candidate invoices in the matching window |
rules.deterministic_match | movements=47, candidates=212, tolerance=CLP 1 | 31 exact matches, 16 unresolved (12 partial-amount, 3 fee-aggregated, 1 reversal) |
agent.propose_resolution | movement_id=BM-9087, signals=['fee_aggregated','same_processor'] | Suggest link to invoices INV-3041, INV-3052 net of CLP 12,400 processor fee. Confidence 0.93. Policy: card_processor.cardda.allow_fee_aggregation |
agent.flag_exception | movement_id=BM-9112, signals=['no_candidate','amount_mismatch'] | No matching open invoice within ±5d window. Routed to exception queue with priority=normal. |
console.publish_digest | operator_id=ACC-04, items=16 (14 proposed, 2 informational) | digest_id=R-2026-05-05-LE-02-BCI awaiting review |
Outcome. Operator approved 13 proposals and edited 1 at 09:42 UTC; remaining exception escalated to the controller. Approved items posted to Odoo as bank.statement.line.reconcile under operator user. Audit row R-2026-05-05-LE-02-BCI closed. Total agent cost: $0.078; latency p95: 8.4s.
30 minutes with engineering. We map the case to your CRM, your policies and your approval boundaries, and respond with a scoped estimate within 24 hours.