Hire an AI treasury liquidity and payment timing checker

Everything it can hand back

Your task sets the actual outputs. The specialist picks the methods that cover them.

• Accessible cash on the opening date, with each restriction shown
• A forecast backtest showing each period's miss, bias and ending drift
• An ordered settlement ladder with cash at the end of each bucket
• Every funding gap against your cash floor, and the peak gap
• Every MISSING input and any check that could not run

How it does the job well

• Reconcile to source documents, such as bank statements, ledgers and invoices, before reporting.
• Show the calculation, inputs and period for every figure.
• Label actuals, estimates and forecasts clearly.
• Send tax, legal and regulatory questions to a qualified professional.

Mistakes it avoids

• Mixing cash and accrual figures, or different periods, in one comparison.
• Rounding or formula errors that do not tie back to totals.
• Giving personal investment advice.

What a good result looks like

An example, not your task: You need to know whether cash covers the next few weeks of payments.

• outputs/step-1-restricted-cash-availability-checker.md. Accessible cash on the opening date, with each restriction shown.
• outputs/step-2-treasury-forecast-backtest-checker.md. Each period's miss, the bias and the ending drift of the prior forecast.
• outputs/step-3-settlement-liquidity-ladder-builder.md. A date-ordered ladder with closing cash, gaps against the floor and the peak gap.
• HAND-BACK SUMMARY. Files saved, sources used, MISSING lines and checks missed.

How the work is checked

• Forecast errors use the frozen prior version; current opening cash equals verified accessible cash; each ordered bucket reconciles and funding gaps remain explicit.
• Trace each material input to its source, date, currency, scale, sign and reporting period. Retain unresolved MISSING: lines.
• Keep hardcoded inputs separate from live formulas. Inspect changed inputs, actual recalculation, exported formulas and saved-file reopening.
• Distinguish a real zero, unavailable evidence and an inapplicable ratio. Never force a financial statement tie with an unexplained plug.
• States which checks passed, failed or could not run, and names missing inputs.

These checks have not been run against a model yet. Your AI uses them to check its own work.

Capabilities

• Restricted cash availability checker. Works out current accessible cash from dated bank balances and restrictions that do not overlap. Hands step 3 the dated opening amount, account scope and currency. Check before moving on, each restriction counts once.
• Treasury forecast backtest checker. Tests the frozen prior forecast against matching actual periods, using its own opening balance. Explains bias and ending drift. Never replaces the current opening balance or adds past errors to future cash. Check before moving on, the forecast version is the frozen one.
• Settlement liquidity ladder builder. Builds the ladder in date order from step 1's cash and your confirmed receipts and payments. Uses step 2 only to challenge timing. Ties final cash to the source map. Check before you rely on it, each bucket adds up and gaps are shown.

How the role works

1. Checks your task, context and available tools.
2. Picks the methods needed and prepares a work plan.
3. Carries out supported tasks, with each method's limits and review gates.
4. Checks the real deliverables and corrects supported faults.
5. Hands back files, evidence and unresolved gaps.

Your specialist's working setup

Download the base specialist without a task form or account. README.md and SETUP.md explain how to use the folder. SOUL.md defines its scope. INTAKE.md asks missing questions inside your AI. PLAYBOOK.md, SKILLS.md, BEST_PRACTICES.md, CHECKS.md and HANDOFF.md guide the work and its checked deliverables.

Complete associated skills, supporting files and licences are included. Choose only the methods needed for the actual task. Keep context, working files and accepted feedback in your AI project.

Use this specialist through MCP or the API

Call prepare_specialist with role_id reconcile-treasury-settlement-liquidity only. No task is required to load it. Your AI asks what job you need done, what you want back and which relevant context it can use.

For task-led hiring, call find_specialist, explain the suggested specialists and let the user accept or change the team.

Complete ZIP: Download base specialist. API: GET /api/v1/specialists/reconcile-treasury-settlement-liquidity/pack. The host AI supplies its own model, tools and execution; a pack does not connect accounts or run a task.

Inputs and helpful context

The specialist starts from the task brief. Only active methods require their inputs.

For the primary method, when used

• Dated bank balances and restrictions, by account (from bank statements and agreements)
• Your frozen prior net-flow forecast with its opening balance (from your last forecast file)
• The matching actual net flows for the same periods (from the ledger or bank)
• Confirmed receipts and payments coming up, grouped by date bucket (from invoices and payment runs)
• The approved cash floor, plus the currency and scale

Helpful context (optional)

• Bank statements, not a balance summary.
• The prior forecast as it stood on its start date.
• Confirmed payment runs and invoice due dates.

Tools and access

• A spreadsheet engine and file-capable AI: Builds a workbook with inputs, formulas and checks you can click into. In plain chat it returns the same tables as text and says no workbook was made.
• Claude, ChatGPT or Gemini: Any of them can do these sums in a chat and show each step.
• An AI that can make spreadsheet files: It can build the workbook, recalculate it and check that it reopens.
• Node.js 20 or later (optional): Runs the small script that comes with the skill, for a second check of the numbers.
• Any good chat AI: The sums are short, so the AI can show the table in the chat.
• A file-capable AI or a spreadsheet app: Needed only if you want an editable workbook with a checks tab.
• Node.js 20 or later (optional): Runs the bundled script that repeats the sums for three periods, as a second check.

Functions and deliverables

• Treasury liquidity and payment timing checker: Share bank balances, restrictions, past forecasts and confirmed flows. Get usable cash, forecast-error checks and a dated payment schedule.
  • Accessible cash on the opening date, with each restriction shown
  • A forecast backtest showing each period's miss, bias and ending drift
  • An ordered settlement ladder with cash at the end of each bucket
  • Every funding gap against your cash floor, and the peak gap
  • Every MISSING input and any check that could not run
• Spendable cash balance checker: Share bank balances and cash restrictions. Check what is available and any gap against your minimum balance.
  • Available cash: gross cash less restricted cash, collateral blocks and pending debits
  • Headroom: available cash less your minimum cash
  • Shortfall: how far below the minimum you are, or zero
  • A list of any block that is larger than the balance it comes from
  • A list of missing facts and checks that could not run
  • A small workbook with the same sums, if your AI can make files
• Treasury forecast backtest checker: Compare a frozen three-period cash forecast with actual net flows. Get period errors and cumulative cash drift.
  • The signed error for each period: actual minus forecast
  • The average miss in currency and the total bias
  • Forecast closing cash and actual closing cash, built from the same opening cash
  • The drift between them, tied to the sum of the errors
  • A list of missing figures and checks that could not run
• Payment timing cash balance planner: Share timed receipts and payments. Track cash through three settlement periods and find the largest funding gap.
  • The closing balance after each of the three settlement times
  • The lowest balance across the day, including the opening balance
  • The funding gap: how far the lowest balance is below your minimum, or zero
  • A note on what the ladder cannot show inside one time slot
  • A list of missing facts and checks that could not run
  • A small workbook with the same sums, if your AI can make files
• me.md builder: Answer a few questions, or let your AI use what it remembers. Get one private file that tells any AI who you are.
  • One me.md file with up to ten dated sections
  • A list of facts taken from memory, for you to check
  • A short note of what it removed for privacy
  • The two next steps, to save it and set it up

Tasks you can use it for

• You need to know whether cash covers the next few weeks of payments.
• Last quarter's forecast missed and you want to see how and by how much.
• Several accounts hold cash and part of it is restricted or pledged.
• A lender or board wants a dated view against a minimum cash level.

Limits to check before starting

• You only need accessible cash today. Use the Spendable cash balance checker on its own.
• You only need to test a past forecast. Use the Treasury forecast backtest checker on its own.
• You only need the ladder. Use the Payment timing cash balance planner on its own.
• You want a seasonal cash buffer. Use the Seasonal cash forecast and buffer planner workflow.

Best way to use this role

Give it one clear outcome, the actual files and a definition of done. Keep the work in one AI project so it can reuse checked context and earlier files.

• Download the workflow pack and give it to an AI that can read files, such as Claude, ChatGPT or Gemini. For a workbook, use one that can build spreadsheets.
• Attach the bank statements, prior forecast, actual flows and upcoming payments. Say the dates, currency and scale once at the top.
• After step 1, check accessible cash against the statements. Each restriction should count once.
• After step 2, read the bias and drift. Do not add past errors to future cash.
• After step 3, check each bucket and the gaps. Fill every MISSING line before anyone acts on the plan.

Read it as data

Read the complete role setup as JSON. Connect your AI to the AI Blocks MCP library and read aiblocks://roles/reconcile-treasury-settlement-liquidity for its role instructions and pinned sources.

This is a prepared AI role. No task has run. Your AI carries out authorized work using its available tools and reports the actual deliverables and checks.