The Library · Agents

The Reconciler

Matches two sets of records and queues only the exceptions.

An agent that matches two sets of records — invoices against orders, payments against invoices, hours against jobs, statements against what you were owed — agrees the ones that agree, and puts only the exceptions in front of a person.

4 min read (core) · last reviewed

Somewhere in your business, someone compares two lists. They do it every week or every month, they do it line by line, and the reason nobody has automated it is that the hard ten percent is genuinely hard.

The job today

Two records of the same thing, produced by two different parties, that ought to match.

The supplier's invoice against what you actually ordered and received. The payment that arrived against the invoices it was meant to cover. The hours a crew logged against the jobs they were dispatched to. The commission statement from a carrier or manufacturer against what you calculated you were owed. The bank against the books.

Someone opens both, and goes down them. Most lines agree, and agreeing them takes a few seconds each. Some do not, and each of those becomes its own small investigation: pull the order, find the delivery note, email the supplier, ask the crew leader what happened on the fourteenth.

The pile of exceptions is the real job. The clean ones are just the tax you pay to find them.

And underneath all of it is the thing nobody says: on a busy month, the clean ones get skimmed rather than checked, because there are two hundred of them and the deadline is real. So the exceptions that look clean at a glance slip through, and those are precisely the ones that cost money — a two percent price increase nobody agreed to, applied quietly across every line.

What the agent does

It does the matching, all of it, every line, at the same level of attention on line two hundred as on line one.

It reads both sides — including where one side is a PDF that arrived by email, which it is more often than anyone would like. It lines up the records, which is harder than it sounds and is where the actual engineering goes: the same item described by your part number, their catalog number, and a free-text description that changed last spring is still the same item, and knowing that is most of the work.

Anything that matches within the tolerance you set is agreed and moves on.

Anything that does not is presented as an exception, and the presentation is the whole point. Not a flag saying something is wrong — the two records side by side, the specific difference highlighted, the supporting document one click away, and what it looks like this is: a short shipment, a price change, a duplicate, a freight charge nobody mentioned. The person's job becomes deciding, not investigating.

Tolerances are set per counterparty, because they genuinely differ. A small price drift from a supplier whose material cost moves weekly is expected. The same drift from a fixed-price contract is a problem. One global tolerance number is how these projects fail — it either buries the person in false exceptions or waves through the real ones.

What changes

The easy ninety percent stops consuming the week, and the person who did it spends their time on the exceptions, which is where their judgment was always needed.

The attention stops degrading. This is the part owners underestimate. A person on line two hundred of a bad month is not checking as carefully as on line five, and everybody knows it, and nobody says it. A system checks line two hundred exactly as hard.

And you find money you were losing quietly. Not dramatically, usually. A few tenths of a percent of purchasing, a handful of unclaimed credits, some commission that was never paid. It is rarely the headline; it is often more than the project cost.

What it connects to

Both sides of the comparison. One is usually a system with a proper connection — accounting, the ERP, the operational platform. The other is frequently a document: an emailed PDF invoice, a statement, a portal you have to log into. Reading that side reliably is the part to test first, with your real documents from your real counterparties, before anything else is built.

Your tolerance rules, written down per counterparty. For your biggest suppliers or carriers, what variance is normal and expected. If nobody can currently answer that, working it out is the first and most valuable part of the project.

A way to write the result back — matched items marked as matched, exceptions logged with what was decided and why. The log matters more than it looks: it is what lets you see, six months on, that the same supplier generates a third of your exceptions.

And the source document, always one click away. A person asked to approve a match they cannot inspect will re-check it by hand, every time. Showing the working is what makes the queue trusted rather than clicked through.

You probably need this if

Where this shows up

The same agent, in businesses that describe it completely differently.

Trades and home services

Commercial cleaning and janitorial

  • Clock-in records against scheduled shifts and billed hours
  • Supply spend against site budgets and contract inclusions
  • Subcontracted work against what was authorized

Garage doors and overhead

  • Supplier invoices against orders and job material lists
  • Technician time against dispatched jobs
  • Warranty claims against manufacturer credits

HVAC, plumbing and electrical

  • Supply house invoices against what actually went on the truck for that job
  • Tech hours against the jobs they were dispatched to
  • Manufacturer warranty credits against the claims you filed

Landscaping and lawn care

  • Crew clock time against jobs actually serviced
  • Material and chemical usage against what was billed
  • Subcontractor invoices against work authorized

Pest control

  • Chemical usage against services performed
  • Technician time against scheduled routes
  • Payments received against recurring billing runs

Restoration and remediation

  • Carrier payments against approved scope, line by line
  • Equipment days billed against equipment actually on site
  • Subcontractor invoices against authorized scope

Roofing and exteriors

  • Supplier invoices against what was ordered and delivered to the property
  • Carrier payments against the approved scope, line by line
  • Crew pay against completed and verified work

Security and low voltage

  • Distributor invoices against purchase orders and job material lists
  • Monitoring billing against accounts actually monitored
  • Technician time against jobs and service tickets

Construction and real property

Architecture and engineering

  • Time recorded against calendar and model activity
  • Consultant invoices against subconsultant agreements
  • Billed fee against contract phases and percent complete

Civil and site work

  • Field quantities against owner-measured pay quantities
  • Haul and material tickets against supplier invoices
  • Field time against payroll and certified payroll reporting

Commercial subcontracting

  • Field time against cost codes and payroll
  • Material invoices against purchase orders and job requisitions
  • Billings against the schedule of values and retainage held

General contracting

  • Subcontractor pay applications against the schedule of values and prior billings
  • Supplier invoices against purchase orders and delivery tickets
  • Committed cost in the PM platform against what accounting actually has

Mortgage lending

  • Loan estimates and closing disclosures against fees actually charged
  • Commissions against closed volume and splits
  • Conditions cleared against the lender's outstanding list

Property management

  • Vendor invoices against the work orders that authorized them
  • Payments received against tenant ledgers
  • Utility billing against what was actually allocated to units

Real estate brokerage

  • Commission disbursements against agent agreements and caps
  • Transaction files against the compliance checklist
  • Marketing spend against listings and lead volume

Title and escrow

  • Escrow trust accounts against the file ledgers, daily
  • Settlement statement figures against lender instructions
  • Underwriter remittance against policies issued

Manufacturing and distribution

Contract manufacturing

  • Customer releases against shipments and open orders
  • Supplier invoices against receipts and inspection results
  • Inventory records against physical counts and lot traceability

Equipment dealers and rental

  • Warranty claims submitted against manufacturer credits received
  • Rental billing against actual hours and days from telematics
  • Parts inventory against what was consumed on work orders

Food and beverage production

  • Retailer payments against invoices, deductions and chargebacks
  • Production consumption against inventory and lot records
  • Supplier invoices against receipts and quality release

Job shops and machining

  • Supplier invoices against purchase orders and receiving records
  • Shop floor time against jobs and operations
  • Customer purchase order pricing against what your quote actually said

Wholesale distribution

  • Supplier invoices against purchase orders and receipts
  • Freight bills against quoted rates
  • Customer payments and deductions against open invoices

Health and care

Behavioral health

  • Sessions delivered against sessions authorized
  • Claims paid against contracted rates
  • Documentation completed against sessions billed

Dental practices

  • Insurance payments against expected reimbursement by procedure and plan
  • Practice management production against what accounting recorded
  • Claims submitted against claims acknowledged by the clearinghouse

Home health and hospice

  • Visits verified electronically against visits billed and paid
  • Caregiver hours against payroll and against claims
  • Authorized units against units delivered

Med spas and aesthetics

  • Product used against treatments performed and units billed
  • Manufacturer rebates and loyalty credits against purchases
  • Package redemptions against what was sold

Medical practices

  • Remittances against expected reimbursement by contract
  • Charges captured against encounters actually performed
  • Payments posted against claims and patient balances

Physical and occupational therapy

  • Visits delivered against visits authorized
  • Claims paid against contracted rates
  • Documentation completed against visits billed

Senior living

  • Care levels assessed against care levels billed
  • Staff hours against schedules, census and acuity
  • Resident billing against ancillary services delivered

Veterinary practices

  • Inventory dispensed against what was invoiced
  • Diagnostics billed against labs actually run
  • Wellness plan payments against plan enrollments

Professional and financial services

Accounting and CPA firms

  • Client bookkeeping against bank and payroll data, with only exceptions surfaced
  • Time recorded against work in progress and what was actually billed
  • Documents received against the request list, so the gap is always current

Consulting firms

  • Time recorded against calendar and meeting activity, to surface what was missed
  • Expenses incurred against expenses billed to clients
  • Invoices against the statement of work's fee schedule

Financial advisory and RIAs

  • Advisory fees billed against the fee schedule and account values
  • Custodian positions against the portfolio management system
  • Client service commitments against what was actually delivered

Insurance agencies and brokerages

  • Commission statements against expected commission, carrier by carrier
  • Premium billed against premium collected on agency-billed accounts
  • Policy data in the management system against what the carrier actually issued

IT services and MSPs

  • Billed seats and devices against what is actually deployed
  • Time entries against tickets and contract entitlements
  • Distributor invoices against quoted cost on procurement

Law firms

  • Trust ledgers against the bank, with only exceptions raised
  • Time recorded against calendar and email activity, to surface what was missed
  • Costs advanced against what was billed to the client

Marketing and creative agencies

  • Media spend billed against media spend placed
  • Time recorded against project budgets, with overruns raised early
  • Invoices against contracted retainer scope

Staffing and recruiting

  • Contractor hours against client-approved timesheets and invoices
  • Pay rate and bill rate against the placement record
  • Candidate records duplicated across sources

Transport and logistics

Courier and last mile

  • Driver settlements against completed stops and accessorials
  • Customer invoices against contract rates and delivered volume
  • Proof of delivery against orders billed

Freight brokerage

  • Carrier invoices against rate confirmations and accessorials
  • Customer invoices against tendered rates and agreed accessorials
  • Factoring assignments against carrier payments

Moving and storage

  • Crew hours against job time and payroll
  • Storage billing against inventory actually held
  • Fuel and truck costs against jobs performed

Trucking and fleets

  • Driver settlements against loads, deductions and advances
  • Fuel card transactions against routes and IFTA reporting
  • Customer invoices against rate confirmations and accessorials

Consumer and retail

Auto and powersports dealerships

  • Warranty claims submitted against claims paid by the manufacturer
  • Deal jackets against funding requirements before submission
  • Parts inventory against what was billed on repair orders

Auto repair and collision

  • Parts invoices against what was ordered and what was billed on the ticket
  • Insurance payments against the approved estimate
  • Technician flagged hours against clock time

Catering and events

  • Rental invoices against what was ordered and returned
  • Staff hours against event schedules
  • Food purchasing against final guest counts

E-commerce and DTC

  • Ad platform reported conversions against actual store orders
  • 3PL invoices against shipments and weights
  • Marketplace settlements against orders and fees

Funeral homes

  • Insurance assignment funding against contracts and balances
  • Third party invoices against services arranged
  • Preneed trust or insurance funding against contract value

Gyms and fitness studios

  • Billing runs against active memberships and access records
  • Instructor pay against classes actually taught
  • Attendance against packages and membership entitlements

Hotels and lodging

  • Channel commission statements against bookings and payouts
  • Folio charges against services delivered
  • Housekeeping status against actual room readiness

Independent retail

  • Vendor invoices against purchase orders and what was received
  • Point of sale inventory against physical counts
  • Online orders against floor stock, before a double sale

Restaurants and food service

  • Supplier invoices against order guides and agreed pricing
  • Delivery platform deposits against orders and fees
  • Scheduled labor against actual clocked hours

Salons and spas

  • Product usage against services performed and retail sold
  • Stylist commission against services, tiers and tips
  • Package redemptions against what was sold

Self storage

  • Gate access records against units shown occupied
  • Payments received against tenant ledgers and late fees
  • Physical walk results against system occupancy

Community, education and public

Associations and member organizations

  • Dues payments against member records and lapse status
  • Event revenue against registrations, exhibitors and sponsors
  • Education credits awarded against sessions attended

Childcare and early education

  • Attendance records against tuition and subsidy billing
  • Staff hours against schedules and ratio requirements
  • Subsidy payments received against children served

Churches and faith organizations

  • Gifts recorded against deposits across every giving channel
  • Volunteer schedules against who actually served
  • Designated giving against restricted fund spending

Municipal and public sector

  • Utility billing against meter reads and consumption
  • Permit fees collected against the fee schedule
  • Purchase orders against invoices and budget authority

Nonprofits

  • Gifts recorded against deposits from every giving platform
  • Restricted fund spending against grant budgets
  • Volunteer hours against program records

Private and charter schools

  • Tuition billed against enrollment and awarded aid
  • Payments received against payment plans
  • Gifts recorded against deposits and pledges

Trade schools and training providers

  • Attendance records against aid disbursement eligibility
  • Student accounts against payments, aid and balances
  • Placement claims against verified employment documentation

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