Tan Gravam
SAP treasury and finance systems — and where AI fits in them.
18 years implementing SAP, treasury and finance systems. Field-by-field references, free working tools, and a controls-first view of what changes when AI agents meet payments, approvals and audit.
Guides
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: The Debit/Credit Notification and When You Need ItWhat camt.054 is — a notification of debits and credits, not a statement — how it differs from camt.053 and camt.052, and the lump-sum breakdown it exists for.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: Where Deals, Flows and Positions LiveThe 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 →AI in finance systems
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.Free tools
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.TMS Business-Case CalculatorTurn your own numbers — hours saved, idle cash, fees, losses avoided — into a treasury-system business case: annual benefit, payback period and multi-year ROI.Hedge Effectiveness CheckerEnter each period's change in fair value for the hedging instrument and the hedged item; get the dollar-offset ratio against the 80–125% reference band plus a regression (slope, R², correlation). Export CSV. All ten tools — no signup, nothing leaves your browser →Latest
EndToEndId vs UETR: ISO 20022 Payment ReferencesMsgId, PmtInfId, InstrId, EndToEndId, TxId and UETR compared: who assigns each payment reference, how far it travels, and which one returns on the statement.Value Date vs Booking Date vs Entry Date on a Bank StatementValue date, booking date and entry date on a bank statement: what each means, where it sits in camt.053, MT940 and BAI2, and which date your cash position uses.ACH Return Codes: NACHA File Format and R01–R85 ListEvery NACHA ACH return code from R01 to R85 with its official title, and the file behind it: record types 1–9, key fields, SEC codes and return time frames.All writing →Work with me
A treasury or finance workflow that is slow, manual and exception-heavy — and still has to pass a control review? I scope it, redesign it, and say plainly where AI helps and where it doesn't.
See how it worksI also build Delivery Sheet: Turn vague leadership asks into clear, reviewable delivery decisions — before your team commits. All products