Bank & Treasury Reconciliation

Import bank statements with dedupe and idempotency, match lines to ERP cash activity, resolve differences with controlled adjustments, and close only when totals balance and approval is recorded.

UX-20 FIN-04

Account under reconciliation

ENBD Operating AED

AE07 0331 ●●●● ●●●● ●●●● 456 · period 01–16 Jul 2026

Statement lines imported

128

Last import 17 Jul 07:05 (auto)

Matched

109 85%

96 auto · 13 accepted suggestions

Needs review / unmatched

14 / 5

3 investigations open

Unexplained difference

AED 4,150.00

Close gate blocked

Import history — dedupe evidence

Imported	File / channel	Format	Lines	New	Duplicates skipped	Result
17 Jul 07:05	ENBD API pull connector run #5521 · event log	camt.053	12	12	0	Imported
16 Jul 16:40	STMT-ENBD-2026-07-16.mt940 manual upload · Daniel Chen · re-upload of 14:32 file	MT940	57	0	57	Idempotent skip — no duplicates created
16 Jul 14:32	STMT-ENBD-2026-07-16.mt940 manual upload · Daniel Chen · fingerprint `9f31…c2aa`	MT940	57	57	0	Imported
15 Jul 07:05	ENBD API pull connector run #5488	camt.053	31	31	0	Imported
14 Jul 09:12	POS-settlement-wk28.csv certified CSV template v3 · payment provider settlement	CSV	28	28	0	Imported
13 Jul 11:47	stmt-week27-final.xlsx unapproved format · rejected at validation	XLSX	—	0	0	Rejected — format not approved

Statement lines & match candidates

Stmt line	Bank narrative	Amount AED	Match candidate (ERP)	Confidence	Status
L-0116 16 Jul · CR	FT INWARD ENBD-FT-26071601128 AMINA NOOR	75,000.00	RCP-2026-00912 · Amina Noor	Auto 100%	Matched
L-0117 16 Jul · CR	CHQ DEP 984412 FALCON TRD	180,000.00	CHQ …4412 deposit batch DB-2026-031	Auto 98%	Matched
L-0121 16 Jul · CR	POS SETTLEMENT NETW 15-07 BATCH 8812	31,180.00	3 receipts 15 Jul (12,600.00 + 9,940.00 + 8,640.00)	Suggested 92%	Split proposed
L-0124 16 Jul · DR	OUTWARD WPS SIF-2026-06 SALARIES	−412,806.25	Payrun PR-2026-06 · WPS SIF	Auto 100%	Matched
L-0126 16 Jul · CR	FT INWARD NOOR DEV GRP RENT POOL	96,000.00	RCP-2026-00914 (unapplied) · amount match only	Suggested 71%	Partial — needs review
L-0128 16 Jul · DR	ACCOUNT MAINT FEE JUL	−157.50	No ERP record — bank charge	n/a	Adjustment proposed
L-0129 16 Jul · DR	CHQ RETURN 771290 INSUFF FUNDS	−42,000.00	CHQ …1290 return · AR reopen pending	Suggested 89%	Exception — cheque returned
L-0131 16 Jul · CR	FT INWARD REF UNKNOWN 118876	15,750.00	No candidate above threshold	Best 34%	Unmatched — investigate

Match progress by day

13 Jul · matched

13 Jul · open

14 Jul · matched

14 Jul · open

15 Jul · matched

15 Jul · open

16 Jul · matched

16 Jul · open

Statement day	Lines	Matched	Open	Value open AED
13 Jul 2026	27	26	1	2,400.00
14 Jul 2026	27	25	2	18,300.00
15 Jul 2026	26	22	4	61,120.00
16 Jul 2026	48	36	12	153,907.50
Period total	128	109	19	235,727.50

Open differences & proposed adjustments

Ref	Type	Description	Amount AED	Proposed posting	Approval	Status
ADJ-2026-071 Stmt L-0128	Bank charge	Monthly account maintenance fee — July	−157.50	Dr 7420 Bank charges / Cr 1010 Bank	FR Fatima Rashid	Approved — ready to post
ADJ-2026-072 Stmt L-0129	Returned cheque	CHQ …1290 returned — insufficient funds · AR reopens via PDC diary	−42,000.00	Dr 1200 AR / Cr 1010 Bank (linked to return event)	FR Fatima Rashid	Pending approval
ADJ-2026-073 Stmt L-0121	Provider fee	POS settlement net of provider commission (gross 31,439.20 − fee 259.20)	−259.20	Dr 7425 Payment provider fees / Cr 1120 Receipts clearing	FR Fatima Rashid	Pending approval
INV-CASE-018 Stmt L-0131	Investigation	Unidentified inward FT 15,750.00 — payer contact requested; parked in 1129 Unidentified receipts	15,750.00	Held — no posting until identified or refunded with approval	DC Daniel Chen	Investigating · day 2
ADJ-2026-069 Stmt L-0092	Rounding	FX settlement rounding on USD inward remittance	−0.42	Dr 7490 Rounding differences / Cr 1010 Bank · FX policy	FR Fatima Rashid	Posted 15 Jul
Unexplained after pending adjustments			4,150.00	Investigation INV-CASE-018 + timing items

Reconciliation statement — 01–16 Jul 2026

GL balance · 1010 Bank ENBD AED: AED 8,412,306.25
Bank statement closing balance: AED 8,416,456.25
＋ Deposits in transit: AED 42,000.00 (CHQ …1290 pending return posting)
− Outstanding payments: AED 26,400.00 (2 supplier transfers)
± Approved adjustments unposted: AED −42,259.20 (ADJ-072, ADJ-073)
Unexplained difference: AED 4,150.00 — must be zero to close

Preparer: Daniel Chen (Accountant). Approver must differ from preparer — SoD enforced by the authority matrix. Evidence retained for RPT-13 Bank reconciliation.

Close checklist (gate)Blocked

Gate condition	State
All statement lines matched, split or adjusted	19 open
Balanced totals — unexplained difference = 0.00	AED 4,150.00
All adjustments approved & posted	2 pending
Returned-cheque exceptions handed to PDC diary	1 pending
Duplicate-import check clean	Pass
Approver assigned (≠ preparer)	Fatima Rashid

When all conditions pass, Close reconciliation locks the period for this account; reopening requires finance-manager approval with reason (FIN-08 close/reopen rules → Fiscal Close).

✓ Close reconciliation — ENBD Operating AED · 01–16 Jul 2026

Consequence: 128 statement lines and their matches become immutable, the reconciliation report is certified for RPT-13, and the account is locked for this period. Reopening requires approval and a stated reason.

Approver *

Preparer Daniel Chen cannot approve his own reconciliation (SoD).

Approval note *

Blocked: unexplained difference AED 4,150.00 must be resolved before close.

Static render mockup — no live data. Source: ERP Modern Development Specification v2.0 · Covers: UX-20, FIN-04. Related: Receipts & Allocation · PDC Diary · Journal Editor · Client Money & Escrow · Bank Connectors.