Money-movement monitoring
The break you catch on the 3rd started on the 28th
Reconciliation is a rear-view mirror. Signals watches the shape of your money movement as it happens — settlement lag, float drift, return rates, counterparty behaviour — and tells you when the pattern changes, usually days before it turns into a break.
4.1 days
median warning before a pattern becomes a break
What it does
Inside Signals
Settlement lag tracking
Every source has a learned clearing distribution. When an acquirer that always pays on T+2 starts paying on T+4, you hear about it on the first late file, not at month end.
Float and position drift
Expected balance against actual balance across every account, projected forward from instructed-but-uncleared movements. Divergence is surfaced as a trend, not a single day's noise.
Return and chargeback rates
R-transaction rates by scheme, by mandate cohort, by counterparty. A rate moving against its own baseline is far more useful than a rate compared to an industry average.
Counterparty behaviour
Payment timing, reference quality and batch composition per counterparty. Degrading reference quality is an early indicator that someone changed a system upstream.
Alerts with a denominator
Every alert states what changed, against what baseline, over what window, and how often that magnitude of change has occurred before. Alerts without a denominator get ignored, and ignored alerts are worse than none.
Quiet by default
Thresholds are derived from your own history and tuned to a target alert volume per week. If a rule fires more than that, Signals tells you the rule is wrong before it tells you the data is.
In depth
What gets watched
Signals models each flow independently rather than aggregating everything into one health score, because a single number hides exactly the divergence you needed to see.
- 01Clearing time distribution per source, per channel, per weekday.
- 02Instructed-versus-cleared value, rolling, with a forward projection.
- 03Return, reversal and chargeback rate against each cohort's own baseline.
- 04Reference quality — the share of incoming lines from which a reference is recoverable.
- 05Batch composition drift, which usually precedes an aggregation pass starting to fail.
Specification
- Baseline window
- Rolling 90 days, weekday-aware
- Evaluation
- On every ingestion, not on a schedule
- Delivery
- In-app, email, webhook, Slack
- Tuning target
- Alert volume per week, set by you
- History
- Full baseline retained for trend review
“Signals flagged that one acquirer had drifted from T+2 to T+4 on the second late file. We had a conversation with them that week instead of finding a hole in the float forecast three weeks later.”
Peter Halvorsen
Treasurer, Meridian Treasury · Germany