Tan Gravam

Enterprise technology, AI and practical software.

I study complex workflows, find the hidden problems inside them, and build useful software around real enterprise work.

18 years across enterprise systems, finance technology and architecture.

Try Workflow X-Ray Explore Gravam Tools

Read the thinking

There is a question further down — a new one every day.Try today's

New Free interactive tool

Workflow X-Ray

Find the problem hiding inside a workflow.

Paste a real enterprise process and surface hidden decisions, missing context, manual work, ownership gaps, automation opportunities and possible product signals. See what can be automated with rules, where AI may help, and what should stay human.

Try Workflow X-Ray →No signup required.

What I work on

Enterprise AI & Workflow DesignWhere AI actually belongs inside real work: what stays deterministic, what a model can assist with, and where humans remain accountable.Systems ArchitectureThe states, handoffs, ownership and system boundaries that make complex enterprise systems work — or fail.Practical SoftwareTurning recurring operational problems and domain expertise into small, useful tools and products.Technology LeadershipDecision-making, architecture leadership, delivery and building teams that can move without unnecessary complexity.

Latest thinking

Remittance Advice: What It Is and How It TravelsA remittance advice says what a payment is for. Where it travels — inside the payment, as ISO 20022 remt.001, X12 820 or a PDF — and how it gets matched.The Hidden Work Around Enterprise SystemsSpreadsheets, email approvals, the colleague everyone asks: how to spot the hidden work around enterprise systems, and what each kind is really telling you.MCP Server in Front of SAP: Where Authorization LivesAn MCP server adds a hop, not a control. Where authorization, segregation of duties and logging live when an agent calls SAP through MCP, and what MCP solves.All writing →

Gravam Tools

Free tools for real work.

System-of-Record MapMap each treasury data domain to its single system of record, consumers and integration — the one-owner-per-domain discipline. Export as a markdown table.Project Intake One-PagerTurn a raw request into a decision-ready one-pager — problem, outcome, scope, owner, open questions — and commit, shape, pause or decline. Copy or download.Bank File ReaderPaste an MT940, camt.053, pain.002 or BAI2 file and read it: balances, entries, codes explained, whether it adds up. Check a pain.001 before it goes to the bank. Nothing leaves your browser.13-Week Cash Flow ModelA working direct cash-flow template: enter weekly receipts and payments, get the running closing balance, and see the week you'd go short. Export CSV. Explore all twelve tools — no signup required →

Enterprise AI & Workflow Design

Enterprise AI TransformationWhere AI actually creates value inside a large organization: choosing the work worth transforming, redesigning it end to end, and measuring what changed.AI Workflow DesignHow to redesign a complex enterprise workflow around AI: what stays deterministic, what AI can judge, where a human decides, and what state the work needs.Enterprise AI SystemsThe architecture behind enterprise AI: how agents fit existing systems, what the control layer owns, and how oversight, data and observability are designed.

Deep expertise: Finance & Treasury Systems

Much of my enterprise experience comes from SAP, treasury and finance systems. That depth remains a major part of this site.

Treasury Management SystemsHow to assess, select and implement a treasury management system — from business case and requirements through RFP, testing, cutover and go-live.Corporate Cash & Liquidity ManagementHow corporate treasury runs cash and liquidity: cash positioning vs forecasting, cash pooling, in-house banks, payment factories and global cash visibility.Treasury Risk ManagementHow corporate treasury manages financial risk: FX exposure, interest rate risk, counterparty and credit risk, hedging and hedge accounting — plainly explained.Treasury Systems Architecture & ConnectivityHow treasury systems fit together: reference architecture, bank connectivity (SWIFT, API, EBICS), MT940 and camt.053 formats, and ERP–TMS integration.SAP Treasury & Cash ManagementField notes on SAP treasury: TRM, One Exposure, FQM_FLOW, Flow Builder, liquidity items, bank statement integration and BCM — from real implementations.Finance Systems DeliveryIntake, scope, ownership, fit-gap, UAT, cutover and governance for enterprise finance-systems programmes — turning vague demands into delivery decisions.

Most-used references

camt.054 Explained: Debit/Credit Notification vs camt.053What a camt.054 message is: the ISO 20022 debit/credit notification. No balances, just the detail inside a booking — and how it differs from camt.053.MT940 Format: The Tags, Line by LineEvery MT940 tag explained: :20:, :25:, :28C:, the :61: statement line subfield by subfield, the bank-specific :86:, and the :62a:/:64:/:65: balances.BAI2 File Format: Records, Type Codes and How to Read OneEvery BAI2 record explained: the 01–99 hierarchy, balance codes 010/015/040/045, credit vs debit type-code ranges, the funds-type field and control totals.pain.002 Status and Reject Codes: Reading the Bank's ReplyHow to read a pain.002 status report: group, payment and transaction level, the ACTC/ACCP/ACSC status codes, and reject reasons like AC01, AC04 and AM04.SAP Treasury Transaction Codes: The Ones That MatterA verified reference of SAP Treasury and Risk Management transaction codes — FTR_CREATE to TPM20 — grouped by working area and checked against SAP Help.SAP Treasury Tables: VTBFHA, FEBEP and the TRM Table ListThe database tables behind SAP Treasury and Risk Management — the VTBFHA deal family, FEBKO/FEBEP, FQM_FLOW and the FI link — verified against SAP Help. Look up any code — SAP transactions, tables, bank-file reason codes → Or see it drawn — camt.054, house banks, MT101 vs MT103, one picture each →

Code of the day

From the reference tables

A new code every day — or look one up.

What does it mean?

Work with me

Have a complex workflow that is slow, manual, exception-heavy or hard to reason about?

I help map the real work, identify hidden decisions and system gaps, and redesign where automation, AI and human judgment belong.

My deepest domain experience is in finance and treasury systems, but the method applies to complex enterprise workflows more broadly.

See how it works

I also build Delivery Sheet: Turn vague leadership asks into clear, reviewable delivery decisions — before your team commits. All products