bank-reconciliation

name	bank-reconciliation
category	thai-finance
version	1.0.0
description	Match bank statement transactions with invoices/receipts and produce exception report.
risk_level	high
output_type	csv, xlsx-schema, markdown

Bank Reconciliation Skill

Purpose

Draft bank reconciliation for SME owner/accountant review.

Use When

• User asks to match bank statement with invoices/receipts
• User asks for month-end reconciliation

Required Inputs

• Bank statement file
• Invoice/receipt folder
• Period
• Matching tolerance rules if any

Workflow

0. For /close-month, require the shared close-month discovery manifest before reconciliation; never continue when a required role is missing.
1. Normalize statement transactions.
2. Normalize invoice/receipt records.
3. Match by amount, date window, vendor/customer name, reference number.
4. Mark match confidence.
5. Flag unmatched and ambiguous rows.
6. Verify — recompute matched total + unmatched total and confirm they sum to the statement total in an independent pass. If they don't reconcile, re-check the matching logic before writing the summary.
7. Exception resolution loop — for ambiguous matches (confidence below threshold), ask the user up to 3 targeted questions (e.g. "which invoice does this ฿12,500 transfer belong to?"), then re-run matching for only those rows. Cap: 1 round. Remaining ambiguity stays in ambiguous_matches, never auto-resolved by guessing.
8. Produce reconciliation summary.

Output Contract

• matched_transactions
• unmatched_bank_transactions
• unmatched_documents
• ambiguous_matches
• summary totals

Risk Control

• Never finalize as accounting record.
• Do not invent matches.
• Ambiguous matches require review.