Automating Financial Reconciliation for Banking-as-a-Service

Client: Intergiro

Automating Reconciliation and Money Movement in a Banking as a Service Platform Reconciliation Made Easy with Intergiro

Intergiro is a Banking as a Service platform enabling businesses to launch accounts, issue cards, and manage embedded payments across multiple markets and payment rails.

Built automated reconciliation and ledger infrastructure across SEPA, SWIFT, and card flows, improving transaction accuracy, fraud detection, and end to end payment lifecycle reliability.

Reconciliation was highly manual across multiple payment rails, wallets, and products, creating operational inefficiencies, financial risk, and limited visibility into transaction states. Discrepancies between internal ledgers and external payment providers reduced trust in financial reporting and slowed issue resolution.

Designed and delivered an automated reconciliation and transaction lifecycle system aligned with payment flows from initiation through settlement, return, and refund. Built rule based matching across internal and external ledgers, standardised transaction labelling, and introduced shared wallet structures to centralise fund tracking. Embedded reconciliation directly into payment workflows to improve accuracy, reduce manual intervention, and support scalable operations.d monitoring through automated alerts for mismatched transactions.

Implemented rule based matching across payment rails and internal ledgers, improving accuracy and reducing manual effort. Standardised transaction identifiers and labelling to enable consistent tracking and reporting.

Built a global pending wallet to centralise incoming and outgoing transaction handling, improving liquidity visibility and reducing reconciliation errors. Developed operational and fee wallets to support platform level fund management.

Automated SEPA recalls, transaction rejections, and dispute handling flows. Introduced fee refund logic and improved handling of failed and delayed transactions across the lifecycle.

Enabled automated detection of mismatched transactions and anomalies, improving fraud visibility and response times.

Reduced manual reconciliation effort and operational overhead. Improved financial accuracy and trust in reporting. Increased reliability of end to end payment flows across multiple rails. Strengthened fraud detection and compliance while enabling scalable Banking as a Service operations.

Python, SQL, AWS, SEPA, SWIFT, RIX

Agile delivery focused on payment lifecycle automation, reconciliation, and ledger consistency

Rule based and ML assisted reconciliation, anomaly detection, and automated transaction handling

Secure API integrations with GDPR compliant data handling and AML aligned controls