The two-way reconciliation is the key part here. One useful addition is to test the processor report for duplicate IDs before joining it: a duplicate on either side can multiply rows and make the amount comparison misleading. I would also separate pending settlements from genuine exceptions using an explicit cutoff, so a normal settlement delay does not hide a growing backlog.
Azhar Abbas
The two-way reconciliation is the key part here. One useful addition is to test the processor report for duplicate IDs before joining it: a duplicate on either side can multiply rows and make the amount comparison misleading. I would also separate pending settlements from genuine exceptions using an explicit cutoff, so a normal settlement delay does not hide a growing backlog.