Credit Card Reconciliation Agents: What "Done" Means When Automating Financial Workflows

Description and use

A credit‑card reconciliation agent uses a specification file, GitHub issue tickets, and per‑step validation to ensure correctness and traceability.

Problem

Financial automation agents can finish all steps yet produce incorrect results, leading to cascading errors in monthly reconciliations.

Outcome

The agent achieves reliable, auditable reconciliation by validating each step, persisting state in GitHub issues, and stopping on validation failure or retry exhaustion.

Workflow

• Load specification
• Import transactions
• Calculate splits
• Validate splits
• Generate settlement records
• Validate settlements
• Write output
• Final validation

Evidence

Financial workflows expose a specific failure mode. An agent can execute every step, produce output, and still be wrong in ways that compound over time.

Source

The agent calls this after each reconciliation step. If validation fails, the agent gets the error list and can retry with specific context about what's wrong.

Source

Davies uses GitHub issues as the state store. Each issue represents a unit of work.

Source