Hire an AI cash settlement forecast reviewer

Everything it can hand back

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

• What changed since the last review, restriction by restriction
• Accessible cash: bank balance less restricted, pledged and pending amounts, with headroom over the floor
• Forecast drift: errors by period, average error and the closing-cash gap, tied back to the sum of errors
• A settlement ladder by day from today's accessible cash, with the lowest balance and any funding gap against the floor
• A bank fee check when a charge is in question, with the difference to query
• A short record to paste into the next review, plus MISSING lines and any checks 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: Month end: the bank balance moved and you need to know how much is really spendable.

• CHANGED SINCE LAST REVIEW. New, lifted or changed restrictions, and the new forecast version.
• ACCESSIBLE CASH. Bank balance less restricted, pledged and pending amounts, with headroom over your floor.
• FORECAST DRIFT. Errors by period, bias, mean absolute error, and closing cash against forecast.
• LADDER. A day-by-day balance from today's accessible cash, with the lowest day and any funding gap.
• BANK FEE CHECK. Expected fee against billed, with the difference to query. Only when a fee is in question.
• RECORD FOR NEXT REVIEW. A short block to paste into your next review.

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. Report changed evidence and actual recalculation; no external transaction or submission is authorized.
• Trace each material input to its source, date, currency, scale, sign and reporting period. Retain unresolved MISSING: lines.
• Reconcile opening balances, additions, deductions and closing balances. The ladder's opening cash equals accessible cash, and the funding gap equals the floor less the lowest balance (or zero).
• Keep hardcoded inputs separate from live formulas. Inspect changed inputs, actual recalculation, exported formulas and saved-file reopening.
• 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

• Compares with the last review. Reads the saved record if it belongs to this task, or sets a first baseline. Compares the account, currency, cutoff, forecast version and restriction IDs. If nothing changed and no review is due, it says so and stops.
• Builds accessible cash. Splits each balance into available, restricted, pledged and unverified, with no deduction counted twice. Shows gross and available cash side by side and the headroom over your floor. Hands the dated opening amount to the ladder.
• Backtests the frozen forecast. Matches each forecast period to actual net cash, works out the errors, and ties the closing-cash gap to their sum. Uses the forecast's own opening balance, so past errors are never added to today's cash.
• Builds the settlement ladder. Starts from accessible cash and rolls each day's closing balance into the next day's opening. Finds the lowest balance and the funding gap against the floor, and says that the order of flows inside a day is not modelled.
• Checks a bank fee only if needed. If an unexplained bank charge is part of a cash gap, it recomputes that one fee from the counts and contract prices and shows the difference to query. Missing fee evidence stays open.
• Saves the record. Writes the small record for next time and lists what is still MISSING. It proposes a state update and keeps the old one.

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 treasury-settlement-evidence-reviewer 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/treasury-settlement-evidence-reviewer/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

• Bank balances by account, at a stated date and time (from your bank portal export or statements)
• Each restriction, pledge or pending debit, with an ID and amount (from loan agreements, bank letters and the payment run list)
• The approved minimum cash, in writing (from your cash policy or a board minute)
• The forecast you froze last time, with its version and date, and the actual net cash flow for the same periods
• Confirmed receipts and payments for the coming days, grouped by settlement day (from your payables and receivables lists)
• The last review's record, pasted in (optional on the first run)
• The bank fee statement and your fee schedule (optional, only needed if a fee is in question)
• The reporting date, the currency and the scale, such as thousands

Helpful context (optional)

• The loan or facility letters that define each restriction, so every restriction has a source.
• The frozen forecast file with its date, not a copy that was edited afterward.
• A named person who owns the cash policy and will check the floor.

Tools and access

• A spreadsheet engine and file-capable AI: Builds a workbook with inputs and formulas you can click into, and can save the record file for next time. In plain chat it returns the same tables as text.
• Your bank portal export: Gives dated balances and transactions, so the opening amount is a fact, not an estimate.
• 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.
• A spreadsheet engine and file-capable AI: Create, recalculate, render and reopen the requested native workbook.
• Node.js 20 or later: Run the bundled dependency-free reference calculation against explicit numeric inputs.

Functions and deliverables

• Cash settlement forecast reviewer: Match dated payments with accessible cash. Compare actual flows with the frozen forecast and keep funding gaps visible.
  • What changed since the last review, restriction by restriction
  • Accessible cash: bank balance less restricted, pledged and pending amounts, with headroom over the floor
  • Forecast drift: errors by period, average error and the closing-cash gap, tied back to the sum of errors
  • A settlement ladder by day from today's accessible cash, with the lowest balance and any funding gap against the floor
  • A bank fee check when a charge is in question, with the difference to query
  • A short record to paste into the next review, plus MISSING lines and any checks that could not run
• 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
• Bank service fee checker: Share bank prices, monthly service counts, credits and the bill. Get expected fees, unused credit and any billing difference.
  • The gross charge for each service line
  • The credit applied and any credit left unused
  • The expected charge and the gap to the bill
  • Questions to ask the bank about each gap
  • An editable workbook and a list of checks that did 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
• 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

• Month end: the bank balance moved and you need to know how much is really spendable.
• The bank adds or lifts a restriction or a collateral block, and you want to see what it does to next week.
• Last week's cash forecast missed, and you want the drift explained before you update the next one.
• A payment run is due on Tuesday and you need the lowest balance before the receipts arrive.
• An unexpected bank charge turns up in your reconciliation.

Limits to check before starting

• You want to move money, pay a supplier, trade or contact the bank. It prepares the review and takes no action.
• You need a forecast for next quarter. It tests last period's forecast and lays out the coming settlement days. It does not predict.
• You want it to replace a treasury or audit review. A qualified person must check the sources, the restrictions and the floor.
• You only have an undated balance summary. It stops the affected lines and marks them MISSING.

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 pack and give it to an AI that can read files, such as Claude, ChatGPT or Gemini. In a chat-only tool it still works, but cannot save files, so you keep the record it hands back.
• Say whether this is the first run. If not, paste the record from last time. Then attach or paste the bank balances, restrictions, the frozen forecast with actuals and the confirmed flows by day.
• Read "what changed" first. If a restriction is new or gone, check it against the bank letter before you go on.
• Check the ladder's lowest day against your own sheet. Then read the funding gap line: it is the floor less the lowest balance.
• Fix every MISSING line. Run it again whenever a balance, restriction, cutoff or confirmed payment changes. Installing it sets up no schedule.

Read it as data

Read the complete role setup as JSON. Connect your AI to the AI Blocks MCP library and read aiblocks://roles/treasury-settlement-evidence-reviewer 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.