Financial Audit & Fintech Ops

One audit layer for
every transaction, payout & treasury desk

Transaction audit & reconciliation, payments clearing & execution, treasury & liquidity operations, and jurisdiction-aware audit rules & compliance setup — unified into a single Financial Audit & Fintech Ops add-on on TotalApp.

Invoice Matching
Bank Reconciliation
Payout Routing
Settlement & Clearing
Liquidity Buffer
Cash Flow Forecast
AML & Sanctions
Financial Escrow
Transaction Audit & Reconciliation

Match, reconcile and
flag every record

Invoice matching against PO/GRN, multi-source bank/gateway/POS/ERP reconciliation, fraud & anomaly detection and ledger variance audits — each with its own dedicated AI analysis and discrepancy breakdown.

  • Invoice Matching Audit — 3-way match ratio against PO & GRN
  • Multi-Source Reconciliation — bank, gateway, POS & ERP variance
  • Fraud & Anomaly Detection — AI-flagged suspicious patterns
Explore Transaction Audit
TotalApp — Multi-Source Reconciliation
Reconciliation Match Ratio86%
REC-2026-0417
Stripe payout batch
Statement $184,220.00 vs book $184,220.00
Matched
REC-2026-0418
HSBC operating account
Variance $2,140.00 — pending clearance
Pending
REC-2026-0419
POS terminal — Istanbul
Unmatched variance — $612.40
Variance
INV-2026-0091
Vendor: Acme Logistics BV
3-way match — PO-8821 / GRN-4410
Fully Matched
Payments & Clearing Execution

Route, settle and
clear every payout

Payout routing rules, chargeback & dispute handling, acquirer/card-network settlement batches and escrow release — the operational layer that moves money after reconciliation clears it.

  • Payout Routing Rules — rail selection & hold enforcement
  • Settlement & Clearing — batch-level net payout tracking
  • Financial Escrow — capital-weighted trust reserve tracking
Explore Payments & Clearing
TotalApp — Settlement & Clearing
Cleared Today
$2.41M
On Hold
4
Recon. Index
91%
SET-2026-0203
Visa Direct — gross $612,400.00
Cleared
SET-2026-0204
Mastercard Send — fee variance
Fee Hold
ESC-2026-0071
Escrow — milestone verified
Verified
Treasury & Liquidity Operations

See risk before
it hits the balance sheet

30/60/90-day cash flow forecasting, FX exposure & hedge coverage, counterparty credit limits and Basel III–style HQLA liquidity buffers — the forward-looking risk desk behind every payout decision.

  • Cash Flow Forecast — net cash runway vs. minimum reserve buffer
  • FX Exposure & Risk — hedge coverage and daily VaR (99%)
  • Liquidity Buffer — HQLA reserve tiers vs. LCR requirement
Explore Treasury & Liquidity
TotalApp — Treasury & Liquidity
90d net cash runway — optimal
EUR/USD hedge coverage
HQLA liquidity coverage ratio
Counterparty concentration
Audit Rules & Compliance Setup

Jurisdiction-aware
rules, before the audit runs

Audit Rules Registry, AML & Sanctions Config, Chart of Accounts Audit and Regulatory Reporting Setup automatically adapt their fields and logic to the selected jurisdiction — Turkey, US or Default — before any transaction-level audit runs against them.

  • Audit Rules Registry — per-jurisdiction control library
  • AML & Sanctions Config — sanctionable counterparty screening
  • Regulatory Reporting Setup — filing calendar & templates
Explore Compliance Setup
TotalApp — Audit Rules & Compliance
Audit Rules Registry — TR
Active
AML & Sanctions Config — US
Active
Chart of Accounts Audit
Review
Regulatory Reporting Setup
Scheduled
Full Screen Catalog

Every screen in the
Financial Audit & Fintech Ops add-on

Sixteen operational screens across four groups, plus dedicated Roles & Staff governance — each with a two-stage hybrid AI engine layered on top.

Audit Rules & Compliance Setup
Transaction Audit & Reconciliation
Treasury & Liquidity Operations
Payments & Clearing Execution
Roles & Governance
Two-Stage Hybrid AI Engine

Every screen runs a
dedicated AI analysis

The 4 Audit Rules & Compliance Setup screens adapt their fields to the selected jurisdiction; the other 12 screens run a per-record-type AI analysis — discrepancy breakdowns, stress tests, hedging recommendations and settlement diagnostics — all routed through the same writer-engine-aware analysis stage.

Discrepancy Breakdown
Fraud & Anomaly Scoring
Cash-Flow Stress Test
FX Hedging Recommendation
Credit Diagnostic
Settlement Diagnostic
Escrow Verification
Jurisdiction-Aware Rule Adaptation
Trusted By Audit & Fintech Teams

Built for banks,
fintechs and internal audit

From PSPs reconciling millions of daily transactions to internal audit teams closing the books — the same add-on scales across every kind of financial operation.

★★★★★

“Our bank reconciliation cycle used to take three people most of a week. The multi-source reconciliation screen now surfaces every unmatched variance the same day it appears.”

MK
Merve K.
Internal Audit Lead, regional bank
★★★★★

“Settlement & Clearing gives us one place to see every acquirer batch and release holds without digging through spreadsheets across three payment processors.”

DR
Daniel R.
Head of Payments Ops, PSP
★★★★★

“The treasury desk finally has forward-looking FX and liquidity risk in the same system as our reconciliation and audit rules — no more stitching together three tools.”

SA
Sara A.
Treasury Manager, fintech

Bring audit, payments and treasury onto one layer.

Transaction reconciliation, payments clearing, treasury risk and jurisdiction-aware compliance setup — all in one connected Financial Audit & Fintech Ops workspace.

Try Financial Audit Free Read the Docs