Every bank reconciles. It is the price of running multiple ledgers, multiple payment rails, multiple counterparties. The reconciliation team is rarely the smallest in the back office.
The structural problem
No vendor will eliminate reconciliation by replacing the ledgers. The work is in the matching itself — and that work expands as the bank grows.
Agents as matching engines that learn
A reconciliation agent does not just match what the rules tell it to match. It learns from what the team accepts, queries what it does not, and flags only the truly unmatched.
What a reconciliation team becomes
Smaller, more senior, and focused on the cases that actually require judgement. The volume work disappears.