AI agent for treasury analysts
Treasury Bank Fee Investigation Agent
Every bank fee is checked against the tariff.
What it does
Bank charges are hard to check against the agreed tariff, so overcharges go unnoticed. Each month this agent reads the bank statements and matches every fee to the tariff rules. When a fee does not match, it first checks the volume tier using the month's transaction counts, then other rules such as currency or urgent payment charges. Only when no rule explains a fee does it add it to a draft query with the statement line, the tariff clause and the expected amount. Treasury approves any dispute before the bank is contacted. Edge case: a wire fee looks too high, but the month's volume moved the account into a different tier, so the fee is correct and no query is raised.
How it works
Follow the arrows from top to bottom. The orange dashed arrow is the loop: when a check fails, the agent goes back and tries again.
Read the steps as a list
- Monthly statements arrive
- Load the agreed tariff for each bank
- Match each fee to a tariff rule
- Does the fee match the tariff?If not: check volume tiers, then currency and urgency rules. Back to step 3.
- List fees no rule can explain
- Draft a query with statement lines and clauses
- Treasury approves disputesThe agent waits here for your OK.
- Bank fee reconciliation review
How it decides
For an unexplained charge it checks volume tiers first, then other tariff rules; unexplained fees go into a draft query.
- Tier check uses the month's transaction volume.
- A query is drafted only after all tariff rules fail to explain the fee.
- Fees below the set minimum are listed but not queried.
- The agent never contacts the bank itself.
Make it yours
Every agent is a starting point. You choose these settings for your own situation.
- Banks and accounts to cover
- Tariff documents to use per bank
- Smallest unexplained amount worth a query (default $10)
- Run date each month
- Who approves bank disputes
What keeps you in control
It always asks you first
- Bank disputes
- Payment actions
- Contract changes
Hard limits
- Never disputes with the bank itself.
It stops when
- Done: all fees explained or queried.
Set it up
We guide you through the set-up, step by step
Members get the full set-up guide for this agent. No technical skills needed: you copy, paste and upload.
- One set of instructions to paste into your AI, with the clicks for ChatGPT, Claude, Microsoft 365 Copilot, Gemini and Grok
- The agent then walks you through connecting your own data, one source at a time
- A downloadable copy with the flow chart, the rules and the full guide
