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Recent ReconciliationRunCompleted events newest first. Variance is actual minus expected; non-zero entries require operator follow-up.
| Channel | Matched | Unmatched | Variance | Status |
|---|---|---|---|---|
| M-Pesa | 2,831 | 16 | KES 0 | investigate |
| PesaLink | 234 | 0 | KES 0 | balanced |
| RTGS | 18 | 0 | KES 0 | balanced |
| ID | Channel | Borrower | Amount | Age | Reason |
|---|---|---|---|---|---|
| MPESA-UNM-1042 | M-Pesa | Moses Kiptoo | KES 245,000 | 42m | Callback received after ledger posting cutoff |
| MPESA-UNM-1043 | M-Pesa | Halima Abdullahi | KES 62,000 | 37m | Customer reference mismatch |
| MPESA-UNM-1044 | M-Pesa | Amina Wanjiku | KES 84,500 | 21m | Settlement file pending Safaricom sequence |
Customer payment error intake, unauthorized-transfer handling, investigation, provisional credit, reversal, refund, provider dispute, reconciliation, notice, redress, live-read controls, and evidence custody.
Classify breaks, assign ownership, choose the repair path, and prepare an auditable packet.
| At | Source | Expected | Actual | Variance | Status |
|---|---|---|---|---|---|
| 2026-07-04T07:00:00.000Z | M-Pesa settlement | 18,240,000 | 18,240,000 | 0 | balanced |
| 2026-07-04T08:00:00.000Z | PesaLink clearing | 11,600,000 | 11,584,500 | -15,500 | break |
| 2026-07-04T09:00:00.000Z | RTGS top-up | 42,500,000 | 42,500,000 | 0 | clean |
| Notice | Case evidence | Acceptance and safety | Status | Hash |
|---|---|---|---|---|
unauthorized electronic fund transfer M-Pesa / payment error resolution / age 3/60d | customer ready / account ready / transaction ready / amount ready / liability ready | oral or written accepted / acknowledgement ready / live read ready / synthetic block ready | within | 75c4faa0bdf5...7a0bee3f |
incorrect transfer to customer account PesaLink / payment error resolution / age 5/60d | customer ready / account ready / transaction ready / amount ready / liability ready | oral or written accepted / acknowledgement ready / live read ready / synthetic block ready | within | 53919f53c93a...1bb7dd9b |
omitted transfer from statement bank transfer / customer operations / age 4/60d | customer ready / account ready / transaction ready / amount ready / liability ready | oral or written accepted / acknowledgement ready / live read ready / synthetic block ready | within | b98ea41b1a55...32866d42 |
payment bookkeeping error loan ledger / finance control / age 6/60d | customer ready / account ready / transaction ready / amount ready / liability ready | oral or written accepted / acknowledgement ready / live read ready / synthetic block ready | within | 0a6a4a3664db...f1772db5 |
customer documentation request digital wallet / customer operations / age 2/60d | customer ready / account ready / transaction ready / amount ready / liability ready | oral or written accepted / acknowledgement ready / live read ready / synthetic block ready | within | ed58d1e084d2...a22ee668 |
| Investigation | Traces | Customer evidence | Status | Hash |
|---|---|---|---|---|
unauthorized transfer investigation payment error resolution / age 4/10d | transaction ready / ledger ready / provider ready | interview ready / explanation ready / decision ready | within | 52f2031f2ba9...cd1d9116 |
incorrect transfer investigation payment error resolution / age 5/10d | transaction ready / ledger ready / provider ready | interview ready / explanation ready / decision ready | within | a7cf8a2595bd...99c9cd60 |
omitted transfer investigation customer operations / age 3/10d | transaction ready / ledger ready / provider ready | interview ready / explanation ready / decision ready | within | 296d86c1cedf...a0d55d1f |
bookkeeping error investigation finance control / age 4/10d | transaction ready / ledger ready / provider ready | interview ready / explanation ready / decision ready | within | 1c6a3b51468d...4f300dab |
documentation request investigation customer operations / age 2/10d | transaction ready / ledger ready / provider ready | interview ready / explanation ready / decision ready | within | e07396360ffb...efdec162 |
| Credit | Amount | Controls | Status | Hash |
|---|---|---|---|---|
unauthorized transfer payment error resolution / age 4/10d | Ksh 84,500 | eligibility ready / posted ready / notice ready / reversal ready / ledger ready | within | a24237ea869b...dc6c527e |
incorrect transfer payment error resolution / age 6/10d | Ksh 62,000 | eligibility ready / posted ready / notice ready / reversal ready / ledger ready | within | 2d078c547f12...0c3179c8 |
omitted transfer customer operations / age 5/10d | Ksh 24,000 | eligibility ready / posted ready / notice ready / reversal ready / ledger ready | within | db5477bbcfdf...4f329169 |
bookkeeping error finance control / age 4/10d | Ksh 18,500 | eligibility ready / posted ready / notice ready / reversal ready / ledger ready | within | 34bcba6c3bd2...f0125f9b |
| Refund or reversal | Amount | Execution controls | Status | Hash |
|---|---|---|---|---|
unauthorized transfer refund payment error resolution / age 5/10d | Ksh 84,500 | root cause ready / maker-checker ready / rail ready / GL ready / redress ready | within | 88f7a328f163...3afc2be1 |
incorrect transfer reversal payments operations / age 4/10d | Ksh 62,000 | root cause ready / maker-checker ready / rail ready / GL ready / redress ready | within | 7fb72d2b9db1...ef80bf0b |
duplicate payment refund customer outcomes operations / age 3/10d | Ksh 38,000 | root cause ready / maker-checker ready / rail ready / GL ready / redress ready | within | 04fa42c33be9...58b680e5 |
misdirected transfer recovery treasury reconciliation / age 6/10d | Ksh 245,000 | root cause ready / maker-checker ready / rail ready / GL ready / redress ready | within | e0a95e7aa7d1...f6690aa6 |
bookkeeping correction refund finance control / age 4/10d | Ksh 18,500 | root cause ready / maker-checker ready / rail ready / GL ready / redress ready | within | 9047b5f3acbd...d94a5088 |
| Provider | Amount | Dispute controls | Status | Hash |
|---|---|---|---|---|
Safaricom M-Pesa PayBill / payments operations / age 2/5d | Ksh 245,000 | callback ready / settlement ready / ticket ready / escalation ready / impact ready | within | 1989654918e9...d08d9171 |
PesaLink bank clearing / treasury reconciliation / age 3/5d | Ksh 62,000 | callback ready / settlement ready / ticket ready / escalation ready / impact ready | within | b5808218720f...522a435e |
RTGS bank RTGS / treasury reconciliation / age 1/5d | Ksh 420,000 | callback ready / settlement ready / ticket ready / escalation ready / impact ready | within | 598e3e3bf615...9e80222a |
wallet processor wallet transfer / payments operations / age 4/5d | Ksh 38,000 | callback ready / settlement ready / ticket ready / escalation ready / impact ready | within | e39e039b3323...516b1d54 |
| Reconciliation | Match | Breaks | Status | Hash |
|---|---|---|---|---|
error case to loan ledger error case register to loan ledger / finance control | 120/120 / 100.0% | 0 breaks / age 0/2d / suspense Ksh 0 | within | 66398e24c146...e0e1fa02 |
provisional credit to GL provisional credit ledger to general ledger / finance control | 82/82 / 100.0% | 0 breaks / age 0/2d / suspense Ksh 0 | within | fa179b12f42c...0914100d |
provider ticket to settlement file provider portal to settlement file / treasury reconciliation | 65/65 / 100.0% | 0 breaks / age 0/2d / suspense Ksh 0 | within | afa38bb17d3a...25379a60 |
refund and redress to customer statement redress ledger to customer statement / customer outcomes operations | 74/74 / 100.0% | 0 breaks / age 0/2d / suspense Ksh 0 | within | 31395ebccfbc...c30544e2 |
rail callback to error case rail callback to error case register / payments operations | 140/140 / 100.0% | 0 breaks / age 0/2d / suspense Ksh 0 | within | df31ffd689d0...8915e816 |
| Control | Metric | Current / limit | Status | Hash |
|---|---|---|---|---|
Payment error intake completeness and timeliness Payment error intake captures unauthorized, incorrect, omitted, bookkeeping, and documentation-request errors through accessible channels. | error notices with customer, account, transaction, amount, oral/written acceptance, acknowledgement, liability, live-read, and custody controls | 100.00% / 100.00% | within | d590e1ed9008...012dbb7a |
Payment error investigation SLA and written explanation Payment errors are investigated, corrected, and explained within controlled timelines. | investigations inside SLA with transaction, ledger, provider, customer interview, written explanation, correction decision, and custody controls | 100.00% / 100.00% | within | 9c516a59f164...eeb0ae1d |
Unauthorized-transfer liability and provisional credit governance Unauthorized-transfer and qualifying error cases receive timely provisional credit, notice, and ledger evidence. | provisional credits inside SLA with eligibility, posting, notice, reversal, ledger, and custody controls | 100.00% / 100.00% | within | e9f370e69625...244b0f50 |
Payment reversal, refund, and redress execution Payment errors are corrected through controlled reversal, refund, GL correction, customer notice, and redress workflows. | refunds with root cause, maker-checker, rail reversal, GL correction, customer notice, redress, SLA, and custody controls | 100.00% / 100.00% | within | 2dcb458bfba3...4abe6295 |
| Trigger | Owner | Action | Deadline | Status |
|---|---|---|---|---|
| No payment error resolution action packs are required for the current evidence set. | ||||
Provider dispute, callback, and settlement-file resolution SLA Payment providers resolve disputed callbacks and settlement files with customer-impact evidence. | provider disputes inside SLA with callback, settlement file, ticket, escalation, customer impact, and custody controls | 100.00% / 100.00% | within | ea07780cc31f...64afb51d |
Payment error reconciliation completeness Payment error cases reconcile to rails, ledgers, GL, customer statements, refunds, and redress evidence. | reconciliations with full match rate, zero breaks, age inside limit, suspense inside limit, customer impact, GL, redress, and custody controls | 100.00% / 100.00% | within | 53f86e31ebac...12caaacf |
Payment error customer notice and redress readiness Customers receive acknowledgement, explanation, correction notices, and redress when payment errors occur. | notices, investigations, credits, and refunds with acknowledgement, written explanation, customer notice, redress, and evidence controls | 100.00% / 100.00% | within | b8056d8e5ede...1cd608a7 |
Payment error live-read and synthetic-action blocking Payment error actions fail closed when live source reads are unavailable or synthetic data would be used. | error notices sourced from live read paths with synthetic action blocked | 100.00% / 100.00% | within | 9ed0d4685b45...661856ff |
Payment error enterprise manifest coverage Payment error governance maps to customer outcomes, records, privacy, finance, settlement, third-party, operational risk, loan servicing, risk data, board, and live-read controls. | domain controls mapped to required enterprise controls without open findings | 100.00% / 100.00% | within | 5bf5e1207057...fe4ed9a5 |
Payment error evidence custody Every payment error row carries reproducible custody for customer, complaint, audit, board, and supervisory review. | notice, investigation, provisional-credit, refund, provider-dispute, reconciliation, domain-control, and control rows with custody-ready hashes and ready statuses | 100.00% / 100.00% | within | f6f868d6cc44...e7091713 |
Zero overdue payment error case posture Payment error cases are investigated, credited, corrected, refunded, or escalated before SLA. | investigation, provisional-credit, refund, or provider-dispute cases older than SLA awaiting correction, notice, redress, provider evidence, or custody | 0 / 0 | within | 92336ee9f53a...ca5352e5 |