Cutoff coverage
Every exception is researched and decisioned at least 60 minutes before the bank's daily cutoff deadline — verified deterministically, never estimated.
The most rigorous Positive Pay exception desk a mid-market finance team can use.
CutoffClear assembles a daily Exception Decision Pack — every exception researched, scored, and decisioned before your bank cutoff, with an audit trail and a monthly Issued-File Completeness score that drives false exceptions down. AI is the production engine; your authorized signer remains the pay authority for high-risk decisions.
Every exception researched before cutoffWritten Exception Decision Policy enforcedDual-control for high-risk Pay decisionsMonthly Issued-File Completeness score5-business-day SLA for new client onboarding
Why exception desks fail
A single missed cutoff can return a legitimate vendor payment — or clear fraud.
Positive Pay only works if someone competent reviews every exception before a hard bank deadline — often 11:00 a.m. to 1:00 p.m. local. Miss the deadline and the bank typically auto-returns (protecting against fraud but creating vendor payment failures) — or, if default is Pay, fraud clears.
Mid-market finance teams ($25M–$500M) typically lack dedicated treasury staff. The exception window becomes a 'whoever is free that morning' chore. Banks themselves cite laborious issue-file processes as an adoption barrier for smaller clients.
CutoffClear exists to close that gap with a single, exhaustive standard applied identically to every file — every day.
~35%
Positive Pay adoption rate among eligible firms — the rest leave the window uncovered
The benchmark
Measured against the letter of your bank agreement and your Exception Decision Policy — every day.
We do not summarize the controls and hope. Every pack is scored against a versioned rule pack tied to your bank's cutoff schedule, your issued-file format, and your written Exception Decision Policy. These are the provisions each pack is held to.
Policy-matched decisions
Pay/Return recommendations are scored against the client's written Exception Decision Policy — including amount thresholds, payee-match rules, and vendor master verification.
Dual-control for high-risk Pay
Any Pay decision exceeding a policy-defined threshold or involving a novel vendor requires client authorized signer approval. Operator executes only Return-default or policy-matched Pay under dual control.
Issued-file completeness check
Each day's issued file is QA'd against the ERP register and prior-day file for missing items, duplicate entries, and encoding errors — root causes of false exceptions.
Audit-ready Exception Decision Pack
Every decision is logged with evidence links: bank exception image, issue file, ERP register, vendor master excerpt, and operator notes. Pack is timestamped and retained per client retention policy.
Monthly Completeness Score
A monthly Issued-File Completeness score tracks false-exception rate, cutoff adherence, and policy compliance — driving continuous improvement.
How a pack is built
Intake to specialist release, with deterministic gates the AI cannot overrule.
AI extracts and researches. Deterministic rules — running as code, outside the model — decide what is complete. A human specialist reviews every release. That order is never reversed.
01
Cutoff Gap Scan
Upload your bank cutoff letter, issued-file sample, and Exception Decision Policy. We return a free completeness read: which elements you already have and which are missing.
02
Daily exception intake
As your authorized clerical agent, we receive the bank's exception export and images, your issued-check file, ERP check register, and vendor master — all via secure portal.
03
Research & scoring
AI cross-references each exception against the issue file, ERP register, vendor master, and prior decisions. Each exception is scored: Pay (low risk), Return (high risk), or Review (ambiguous).
04
Deterministic completeness gates
Cutoff deadline is verified; policy rules are applied; dual-control triggers are checked; any missing evidence blocks release.
05
Specialist review & release
A fraud specialist reviews the Review queue and signs the pack. High-risk Pay decisions route to client authorized signer for approval.
06
Delivery
You receive the Exception Decision Pack: decision summary, evidence links, cutoff confirmation log, and monthly scorecard — ready for your bank portal action.
The bar we hold
Rigor you can measure.
100%
Cutoff adherence
Every pack delivered ≥60 minutes before bank deadline.
<5%
Client override rate
Client overrides of Return recommendations tracked and reviewed.
-30%
False-exception rate reduction
Target by day 60 via issued-file QA.
4
Evidence sources per exception
Bank image, issue file, ERP register, vendor master — every decision.
Why CutoffClear
Built to be the most thorough option a finance team has.
Documentation-complete, by design
The deliverable is completeness itself — every exception researched and decisioned with evidence, or explicitly exception-coded. Nothing is left implicit.
Deterministic, not vibes
The gates that decide completeness are code, not a model's opinion. A research error cannot slip past a policy requirement.
In its lane, on purpose
We prepare documentation and run research as your clerical agent. We never make final Pay decisions without your authorization, give legal advice, or access your bank accounts.
Engagement
Flat monthly fee, per desk. No per-exception surprise, ever.
Simple, predictable, and aligned with a documentation standard — not a cut of any recovery.
- A free Cutoff Gap Scan before you commit — see exactly what is missing.
- One flat monthly fee per bank/entity desk ($1.5k–$4k/mo); disclosed pass-through bank fees.
- Optional ACH Positive Pay add-on.
- Optional multi-bank orchestration and holiday calendar coverage.
FAQ
Questions, answered precisely.
Is CutoffClear a law firm?
No. CutoffClear, a service of Your Deputy, Obuke LLC, provides documentation-completeness services. It is not a law firm, does not provide legal advice, and does not represent you in any legal matter. Attorney review is available and recommended for high-value or contested matters.
Do you make final Pay decisions or access my bank accounts?
Never. CutoffClear is not a payment authority and does not access your bank accounts. The client's authorized signer remains the pay authority for high-risk decisions. We prepare the Exception Decision Pack for your action.
What makes a pack 'complete'?
Completeness is defined by your bank's cutoff SLA, your Exception Decision Policy, and our standard: every exception researched, scored, and decisioned with evidence links; cutoff deadline verified; dual-control triggers resolved; and issued-file QA completed. Deterministic gates enforce each one before release.
How fast is onboarding?
The standard SLA is five business days from complete intake to first live pack. The free Cutoff Gap Scan is returned much sooner and tells you exactly what is still needed.
How are you priced?
A flat monthly fee per desk ($1.5k–$4k/mo), plus disclosed pass-through bank fees. No per-exception charges and no percentage of any recovered amount.
See what's missing before it costs you a payment.
Start with a free Cutoff Gap Scan. Send your bank cutoff letter, issued-file sample, and Exception Decision Policy and we'll return a completeness read against every element of your Positive Pay operation.
Documentation-completeness service · not legal advice · the client remains the pay authority.