Example agent design
AR Collections and Receivables Intelligence
ITECS helps lenders and advisory firms turn receivables data into collections intelligence, benchmarking collection days, surfacing systemic issues, prioritizing accounts, and maintaining the weekly roll-forward and collateral-to-cash reconciliation. This is a starting design. An AI Blueprint adapts it to your goals and the systems it will connect to.
Collections work is often reactive and manual, especially when a legacy accounting system is gone. The goal is a governed receivables workflow that diagnoses what is slowing cash, prioritizes the accounts that matter, and keeps the reconciliation clean.
- Owner
- Collectors, who approve outreach
- Reads
- AR agings and history · Cash application · Disputes and deductions · Credit terms · Lender reporting context
- Never writes
- Customer contact or credit terms.
- Typical cost
- AI Blueprint $4,500–$7,500, credited toward the build. Typical first build $35,000–$75,000. Agent Operations after launch $2,500/mo for one production agent. See the first engagement
The workflow today
Cash Is Slow and the Reason Is Buried in the Ledger
Collections teams often work the loudest accounts instead of the most systemic ones, and reconciliation gets harder when the original accounting system is no longer available.
A receivables agent should index collection days against benchmarks, surface systemic credit and process issues, prioritize accounts, and keep the weekly roll-forward reconciled to cash.
Illustrative collections signal
Where Receivables Cash Is Stuck
A collections view should separate aging drift from systemic credit issues and show which accounts to work first.
Signal timeline
Decision sequence
Past-due concentration
A few accounts driving most of the overdue balance
DSO vs. benchmark
Collection days above the peer benchmark
Dispute and deduction drag
Balances stalled in disputes and short-pays
Recoverable quick-wins
Accounts likely to pay with prioritized outreach
Cash tied up
$3.4M
Past-due receivables above the expected DSO band
What leadership sees
- Benchmarks collection days against peers and history
- Separates systemic credit issues from one-off late payers
- Keeps the weekly roll-forward reconciled to cash
The workflow
The workflow today and with the agent
Planning comparison only. Scope, timing, and outcomes vary by data, workflow, approvals, adoption, and implementation conditions.
- Account focus
- TodayLoudest accounts worked first
- With the agentHighest recoverable balance prioritized
- Diagnosis
- TodayAnecdotal and manual
- With the agentBenchmarked DSO and systemic-issue detection
- Reconciliation
- TodayRebuilt by hand each week
- With the agentMaintained roll-forward, even without the legacy system
- Governance
- TodayOutreach decisions undocumented
- With the agentReviewed, approved, and source-traceable
Outcome hypothesis to validate
The value is faster cash and cleaner reporting: lower DSO, prioritized recovery, and a weekly reconciliation the lender can trust.
Not a reported client result or guarantee.
With the agent
What AR Collections & Receivables does
Each capability is designed to produce evidence for the people who already own the credit, advisory, or finance decision.
Collections diagnosis
Index collection days against benchmarks and surface the systemic credit and process issues behind slow cash.
- DSO and collection-days benchmarking by customer and segment
- Systemic issue detection across credit terms and processes
- Dispute, deduction, and short-pay pattern analysis
Account prioritization
Rank accounts by recoverable balance and likelihood so teams work the highest-value accounts first.
- Priority queue by balance, age, and recovery likelihood
- Draft outreach summaries for collector review
- Recoverable quick-win identification
Receivables reconciliation
Maintain the weekly receivables roll-forward and the collateral-to-cash reconciliation, even without the original system.
- Weekly AR roll-forward with traceable movement
- Collateral-to-cash reconciliation for lender reporting
- Reconstructed ledger views when legacy systems are gone
Scenario
Illustrative receivables scenario
Illustrative planning scenario, not a reported client result. A company in a workout needs to accelerate collections and keep the receivables reconciliation clean for its lender, but the original accounting system is no longer available.
- Starting point
- Collections are worked reactively from spreadsheets, and the weekly roll-forward is rebuilt manually for lender reporting.
- Scoped outcome
- ITECS scopes a receivables agent that benchmarks collection days, prioritizes accounts, drafts outreach summaries, and maintains the weekly roll-forward and collateral-to-cash reconciliation for review.
Systems it connects to
What the agent reads
Discovery confirms authoritative systems, data quality, access, and governance before any production workflow is proposed.
- AR agings and history
- Detailed receivable agings, payment history, terms, and customer detail.
- Cash application
- Cash receipts and application detail to reconcile collections to the ledger.
- Disputes and deductions
- Dispute, deduction, short-pay, and credit-memo detail where available.
- Credit terms
- Customer credit terms, limits, and historical payment behavior.
- Lender reporting context
- Collateral-to-cash reporting requirements and prior roll-forward formats.
Workflow
Read-Heavy, Write-Controlled Financial-Services Intelligence
The system connects approved data, explains risk, prepares recommendations, and routes sensitive actions for human approval.
01
Ingest
Read approved AR agings, cash application, and dispute detail.
02
Diagnose
Benchmark collection days and surface systemic credit and process issues.
03
Prioritize
Rank accounts by recoverable balance and likelihood of payment.
04
Draft
Prepare outreach summaries and the weekly roll-forward for review.
05
Approve
Route prioritized accounts and outreach to collectors before any contact.
Controls
Read broadly, recommend carefully, keep humans in control
Financial-services AI becomes trustworthy when it preserves assumptions, source data, approvals, and confidentiality boundaries.
- Read-heavy
- Reads the systems listed above through access scoped to this workflow.
- Write-controlled
- Writes nothing listed under Never writes in the spec at the top of this page. Anything it drafts waits at the approval points below.
- Approval points
- Recommendations, drafts, and exceptions go to a named reviewer before anything changes.
- Audit trail
- Each run keeps its inputs, sources, output, and the reviewer's decision.
In this design
- The agent diagnoses, prioritizes, and drafts, but collectors approve outreach.
- It does not contact customers or change credit terms autonomously.
- The roll-forward and reconciliation preserve source data and movement.
- Access is scoped by customer, engagement, and collections role.
Security
Security for Financial Services AI Workflows
Receivables work exposes customer, credit, and payment data. ITECS scopes access so each role sees only the accounts and engagements it is permitted to work.
- Selected business or enterprise tier data terms, tenancy, and retention verified during scoping
- Source-traceable roll-forward and reconciliation
- No autonomous customer contact or credit-term changes
- Audit history for prioritization, outreach, and approvals
Deployment fit
Where this design can run
- Hosted AI Agents
- Runs in a governed Linux environment ITECS operates, on frontier models through enterprise API agreements, connected to AR, cash application, and dispute data through controlled integrations, with human review and an audit trail.
Typical first engagement
Start with an AI Blueprint
The AI Blueprint sets the actual build rung and its fixed-fee not-to-exceed. The rows below show the typical path and the catalog range for each step.
- FirstAI BlueprintAgent Discovery & Technical Specification. Credited toward the build.$4,500–$7,500
- Typical first buildIntegrated / Line-of-Business Agent$35,000–$75,000
- After launchAgent Operations, one production agent$2,500/mo
Prices from the published AI pricing catalog.
Customize this design
Bring your goals and your systems. The AI Blueprint decides the scope and the systems, not this example, and ends with a fixed-fee not-to-exceed for the build.
FAQ
AR Collections & Receivables FAQ
How is this different from a collections report?
A report lists what is overdue. The agent benchmarks collection days, surfaces the systemic credit and process issues behind slow cash, prioritizes accounts by recoverable balance, and keeps the weekly roll-forward reconciled.
Does it contact our customers automatically?
No. The agent drafts prioritized outreach summaries for collector review. Customer contact and credit-term changes require human approval.
Can it work if our old accounting system is gone?
Yes. The agent can reconstruct ledgered-receivable views and maintain the roll-forward and collateral-to-cash reconciliation from available agings, cash application, and history.
How does it prioritize accounts?
It ranks accounts by recoverable balance, age, and likelihood of payment so collectors work the highest-value accounts first instead of the loudest ones.
What is needed for a receivables pilot?
A focused pilot typically starts with AR agings and payment history, cash application detail, dispute and deduction data, credit terms, and the lender reporting format.
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