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.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
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.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.SAP Cash Application and Joule: What SAP's AI PostsWhat SAP Cash Application, payment advice extraction and Joule actually do in finance: what posts, under whose authorizations, and what has to stay human.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