Industries/Credit unions/Close Agent
Board-ready closecredit unions.
Volunteer board timelines mean flux on member services and operations accounts cannot wait for email threads. Flux commentary collected by email from department heads.
Scenarios in credit unions
Card settlement batches vs GL aggregates
Multiple card settlement debits on one day must tie to a single clearing entry. Close Agent enforces commentary on material accounts before calendar sign-off.
Member business lending onboarding
CFO certifies close checklist complete.
Board-ready close
Account 6200 Professional fees moves from $375k to $517k month over month — above the 10% / $50k flux policy on the Aster Bank demo ledger.
What the agent checks
- Flux threshold by account class (percent and dollar)
- Required commentary on material accounts
- Prepaid schedule vs GL balance
- Intercompany pair balance to zero
- Suspense account aging
- Close task dependencies on calendar
How it works
- 1
Load period context
Import trial balance, prior period, and close checklist status. Map accounts to owners and materiality thresholds.
- 2
Run flux analysis
Calculate dollar and percent change per account. Flag accounts over materiality or with missing commentary from the prior close.
- 3
Explain drivers
Link large movements to sub-ledger detail, open AP/AR items, or manual journals. Draft variance narrative controllers can edit.
- 4
Propose adjustments
Suggest accruals, prepaid amortisation, and reclasses with debits and credits explicit. Enforce maker-checker before post.
- 5
Track the calendar
Update BD-minus timeline tasks as items clear. Surface blockers — unreconciled IC, open flux, pending approvals.
Questions
Core processors like Symitar?
We ingest exports built during pilot — Symitar, DNA, and similar — via scheduled files rather than claiming pre-built certifications.
Member PII in trial?
Use redacted or synthetic member business packs in the public trial; production pilots follow your DPA.
Does FinanceAI need live API access on day one?
No. Many pilots start with scheduled BAI2/MT940/CAMT.053 files and GL exports over SFTP. Read-only APIs come next once security review passes. The live demo uses the shared Aster Bank synthetic ledger.
What if Stellitron Intelligence is unavailable?
Every decision still runs through deterministic rules: amount matching, transposition checks, UBO percentage math, screening score thresholds, and flux materiality gates. Optional intelligence only improves extraction and narrative.