Cadensor · for CA firms · audit + tax

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drafting bank reconciliations

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Output structured for ISA 230 partner review Tested on live ICAI, ICAEW, and MoF (UAE) samples
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Bank Reconciliation · Q1 2026
Atlas Manufacturing Inc
Drop your files to begin
PDF · bank_statement_q1.pdf · 2.4 MB XLS · gl_atlas_mfg.xlsx · 847 KB
Building plan…
C
Cadensor

Parsed 142 entries across 3 sheets from your bank statement and cross-referenced against the general ledger.

Matched 138 of 142 entries. Two exceptions flagged for review — one unidentified inward remitter (GLBL-XCHG-LLC, $9,500) and a $18 rounding variance on Northstar Logistics.

Workpaper WP-C-2.1 drafted with 8 rows and 2 cited footnotes. All stale-cheque checks completed per ISA 505. Self-reviewed. Ready for partner sign-off.

Results
5 findings · 2 critical · 2 warning
Running analysis…
Agent plan
  1. Parse bank statement — extract all debit/credit entries
  2. Cross-reference with general ledger line by line
  3. Flag exceptions per ISA 505 (stale cheques, unidentified remitters)
  4. Draft workpaper WP-C-2.1 with footnoted citations
Live activity
00:01Reading bank_statement_q1.pdf…
00:08Matched 138 of 142 entries
00:11Flagging 2 exceptions per ISA 505
00:13Drafted workpaper WP-C-2.1
138/142 entries matched · 2 exceptions require management response · workpaper ready for review
Workpaper · WP-C-2.1
Bank Reconciliation — Main Checking A/c
Matched
138 / 142
Exceptions
2
Client
Atlas Manufacturing Inc
Period
Q1 · 2026
Preparer
Cadensor
Reviewer
— pending —
Ref Date Description Books Bank Variance
R-00101-Jan Opening balance 142,308.55142,308.550.00
R-00205-Jan Customer receipt — Mehta Co. 45,000.0045,000.000.00
R-00309-Mar Vendor pay — Pacific Trading (124,712.40)(124,712.40)0.00
R-00412-Mar Inward — unidentified remitter FN-1 9,500.009,500.00 0.00
R-00515-Jan Payroll — Q1 batch (61,204.18)(61,204.18)0.00
R-00618-Jan GST payment — Jan instalment (14,800.00)(14,800.00)0.00
R-00722-Jan Vendor pay — Northstar Logistics FN-2 (7,820.00)(7,802.00) (18.00)
R-00831-Mar Closing balance 76,427.9776,427.970.00
bank_statement_q1.pdf · page 4 line 47 highlighted
LnDateNarrationCreditBalance
4409-MarACH-OUT Pacific Trading267,021
4510-MarACH-OUT/N920 Sharma Trad345,200
4611-MarACH-IN Acme Industries94,200439,400
4712-MarACH-IN GLBL-XCHG-LLC ⚠9,500448,900
4813-MarBANK-CHG Q1 Service Fee(845)448,055
4914-MarACH-OUT Pacific Trading(124,712)323,343
ToSarah Whitmore — Controller, Atlas Manufacturing Inc
FromEngagement Team, Cadensor — Bank Reconciliation WP-C-2.1
ReQ1 2026 Bank Reconciliation — Two exceptions require management response
Date30 March 2026

Hi Sarah,

We have completed the Q1 bank reconciliation for the Main Checking Account. Of the 142 entries reviewed, 138 matched the general ledger without adjustment. Two items remain open and require your clarification before we can clear the workpaper.

Exception 1 (FN-1) — Unidentified inward remittance: An ACH credit of $9,500 was received on 12-Mar-2026 from GLBL-XCHG-LLC. This counterparty does not appear in the vendor or customer master. Please confirm the nature of this receipt, the commercial basis, and the correct GL account for coding.

Exception 2 (FN-2) — Rounding variance on Northstar Logistics: The general ledger records a payment of $7,820.00, while the bank statement shows $7,802.00, creating a variance of $18.00 (22-Jan-2026). Please provide the corresponding invoice or confirm whether an adjustment entry is required.

Per ISA 505, responses to both items should be documented prior to sign-off. Kindly revert by 8 April 2026 so we can finalise the workpaper and proceed to partner review.

Regards,
Cadensor — Engagement Team

ToSarah Whitmore — Controller, Atlas Manufacturing Inc
FromEngagement Team, Cadensor — Bank Reconciliation WP-C-2.1
ReQ1 2026 Bank Reconciliation — Two exceptions require management response
Date30 March 2026

Hi Sarah,

We have completed the Q1 bank reconciliation for the Main Checking Account. Of the 142 entries reviewed, 138 matched the general ledger without adjustment. Two items remain open and require your clarification.

Exception 1 (FN-1) — Unidentified inward remittance: An ACH credit of $9,500 was received on 12-Mar-2026 from GLBL-XCHG-LLC. Please confirm the nature of this receipt and the correct GL account.

Exception 2 (FN-2) — Rounding variance on Northstar Logistics: GL records $7,820.00 vs bank $7,802.00 — variance of $18.00. Please confirm or provide an adjustment entry.

Kindly revert by 8 April 2026.

Regards,
Cadensor — Engagement Team

work trail

Inside the work trail.

Every step is logged. No black box.

Bank Reconciliation · Q1 2026 · Atlas Manufacturing Inc
running
11 procedures · 27.4s
▸ work trail
11 procedures · run #1
00:00 read_fileRead bank_statement_q1.pdf
00:01 parse_sheetParsed 142 entries across 3 sheets
00:02 read_fileRead gl_atlas_mfg.xlsx
00:04 parse_sheetLoaded general ledger · 3 accounts · vendor master
00:08 match_entriesMatched 138 of 142 entries · 97.2%
00:11 flagInward $9,500 from GLBL-XCHG-LLC — not in vendor master
00:13 flagVariance $18.00 on Northstar Logistics · rounding
00:16 check_staleChecked cheques outstanding >90 days per ISA 505
00:18 cross_refCross-referenced exceptions vs FY 2024 vendor history
00:22 draft_wpDrafted WP-C-2.1 · 47 cited cells
00:27 » Self-reviewed against ISA 505 & ISA 230 · awaiting reviewer
● completed in 27.4s ISA 505 · ISA 240 · ISA 230
2 Critical 2 Warning 1 Info
Risk
Standard
Observation
Recommended Action
Critical
ISA 505
3 cheques totalling $42,000 outstanding >90 days
No bank confirmations on file. Crosses materiality threshold ($50,000). Source: bank_statement_q1.pdf · rows 18, 31, 47.
Obtain direct confirmation. Reverse + reissue if stale >6 months. Document per ISA 505.14.
Critical
ISA 240
ACH wire $85,000 on 31-Mar reversed 02-Apr
Pattern consistent with window dressing. Counterparty ‘Pinnacle Traders’ not in vendor master. Source: bank_statement_q1.pdf · pages 8–9.
Verify commercial substance. Check related-party (IAS 24). Discuss with management; document response.
Warning
ISA 520
Rent expense up 62% Y/Y — no rationale documented
GL 5210: $32,400 (FY 2025) vs $20,000 (FY 2024). Exceeds 20% analytical threshold. Source: gl_atlas_mfg.xlsx · sheet “P&L”.
Obtain management explanation. Inspect lease agreements. Document rationale per ISA 520.7.
Warning
ISA 330
5 suspense entries uncleared as at period-end
Entries older than 30 days in suspense A/c 9999. Total exposure $62,400. Source: gl_atlas_mfg.xlsx · sheet “Suspense” · rows 3–7.
Clear or reclassify each entry. Obtain supporting vouchers. Escalate if unresolved by review date.
Info
ISA 500
138 of 142 entries matched · 97.2% overall match rate
All entries above $50K confirmed. Minor variances only in rounding. Substantive testing complete.
No action required. Document as evidence of substantive testing performed per ISA 500.
the checklist

Tickmarks. Timestamps. Citations.

Each step cites the standard that requires it.

1
Parsed 142 entries across 3 sheets ISA 230 · documentation
00:01.4s
2
Identified 3 bank accounts: Chase Checking, Wells Savings, Citi CC ISA 505 · external confirmations
00:02.8s
3
Cross-referenced chart of accounts with uploaded ledger ISA 500 · audit evidence
00:04.1s
4
Matched 604/612 bank entries — 98.4% match rate ISA 530 · sampling
00:08.7s
5
Tested for stale cheques outstanding >90 days ISA 505
00:11.2s
6
Tested for window-dressing indicators ISA 240 · fraud risk
00:13.6s
7
Verified aging of reconciling items vs materiality threshold ISA 320
00:15.9s
8
Drafted findings report with source citations ISA 230
00:22.4s
FINDINGS

Risk-rated.
Standard-cited.

Each finding ties to the standard, the source, and the action.

5 findings total
2 critical
47 cited cells
Risk Standard Observation Recommendation
Critical ISA 505
3 cheques totalling $42,000 outstanding for >90 days
Obtain direct confirmation. Reverse + reissue if stale >6 months. Document per ISA 505.14.
Critical ISA 240
ACH wire $85,000 on 31-Mar reversed 02-Apr
Verify commercial substance. Check related-party (IAS 24). Discuss with management; document response.
Warning ISA 500
12 ACH credits totalling $28,000 not recorded in books
Obtain supporting vouchers. Verify cut-off classification. Ensure correct period recognition.
Warning ISA 520
Bank charges 34% variance vs prior year
Perform analytical review. Inquire re: new facilities, OD usage, revised bank fee agreements.
Info ISA 330
All entries above $5K matched to source · 98.2% overall match rate
No action. Document as evidence of substantive testing performed.
TRACEABILITY

Cited to the line.

Every cited figure links to its exact source row.

WP-C-2.1 · ROW R-007 (18.00) variance FN-2
bank_statement_q1.pdf · page 3 line 47 highlighted
LnDateNarrationAmount
4409-MarACH-OUT Pacific Trading(124,712)
4611-MarACH-IN Acme Industries94,200
4712-MarACH-OUT Northstar ⚠(18.00)
4813-MarBANK-CHG Q1 Service Fee(845)
CAPABILITIES

Five workpapers.
All citation-ready.

India live
Live in 5 markets

Bank reconciliation. Statement to workpaper.

Matches every entry, flags exceptions, and drafts the workpaper with cited footnotes. Runtime: 27 seconds.

  • Matches against general ledger and vendor master
  • Flags stale cheques, unidentified remitters, window-dressing patterns
  • Cited cell on every flagged figure — bank statement page + line
  • Footnoted exceptions ready for partner review
runtime27s inputstatement + GL outputWP + footnotes
WP-C-2.1 Main Checking A/cQ1 · 2026
RefDescriptionVariance
R-001Opening balance0.00
R-003Vendor — Pacific0.00
R-004Wire — unmatched ⚠0.00
R-007Vendor — Northstar ⚠(90)
R-008Closing balance0.00
138/142 matched · 2 exceptions FN-1, FN-227.4s

GST / VAT reconciliation. Returns to workpaper.

Reconcile input credit against the purchase register, compute reversals and blocked credits, and prepare the return — output tax, net liability, and filing-ready footnotes.

  • Matches by GSTIN/TRN/VAT number, invoice no., date, amount
  • Flags credit claimed not in 2B; ITC mismatches; blocked credits
  • Computes Rule 37 (180-day) reversals + 17(5) ineligibles
  • Stages the return — output tax + net liability + filing
runtime2m 14s inputregister + 2B outputstaged return + recon
GST Return Q1 2026Input Credit Recon
TypeComponentAmount
IGSTInterstate supply$142,000
CGSTIntra central$36,000
SGSTIntra state$36,000
ITC6 mismatches ⚠$31,000
92% reconciled · $31,000 flagged2m 14s

Depreciation schedule, book + tax.

Classify every asset, apply Schedule II + IT Act rates, reconcile book vs tax depreciation, and draft the WDV register — one input, one workpaper.

  • Auto-classifies against Schedule II / IT Act
  • Computes book + tax depreciation independently
  • Flags non-allowable items (goodwill amort post-2021)
  • Drafts WDV register + book-vs-tax reconciliation
runtime1m 46s inputasset register outputschedule + recon
WP-D-1.0 Depreciation ScheduleFY 2025
ClassMethodCharge
P&MWDV · 18.10%1,482,200
VehiclesWDV · 31.23%245,100
Goodwillnot allowable ⚠1,200,000
FurnitureWDV · 25.89%88,400
47 assets · $1.28M WDV · SLM·WDV reconciled1m 46s

Audit findings, with citations.

ISA 520 analytics, ISA 530 sampling, and vouching — every observation cites the standard, the row, and the rule. Management letter ready to send.

  • Variance + ratio analytics with materiality thresholds
  • Stratified sampling, rationale documented per ISA 530
  • Vouches against approval chain, withholding, account coding
  • Drafts the management letter — observations + recommendations
runtime4m 12s inputTB + invoices + payments outputfindings memo
Memo to Partner FY 2025 StatutoryISA 700 ready
RiskObservationStd
CritRent up 62% Y/Y ⚠ISA 520
Warn5 suspense unclearedISA 330!
Crit2 payments >threshold ⚠ISA 530
InfoGM stable at 28%ISA 520
18 findings · 4 critical · ISA 700 ready4m 12s

Trial balance review, line by line.

Current TB vs prior year — variance % and $, flagged GL accounts above threshold, and ratio analytics in a citation-ready substantive procedures memo.

  • Y-o-Y variance for every GL account
  • Movement-without-rationale flags above threshold
  • Ratio analytics: GM, debtor/creditor days, working capital
  • Substantive analytical procedures memo, citation-ready
runtime2m 41s inputcurrent + PY TB outputvariance memo
TB · 31-Mar-20261,847 lines · $0.00 diff
GLAccountΔ %
5100Salary+8.2%
5210Rent ⚠+62.4%
4100Revenue+11.6%
2100Trade payables−4.1%
Books closed · $0.00 difference2m 41s
how it works

File in. Workpaper out. Four steps.

No templates. No manual formatting. No prep work.

01 / DROP

Drop your files.

Bank statement, trial balance, ledger export, vendor invoices — PDF, CSV, XLSX. No formatting required.

↓ DROP FILES
02 / READ

Cadensor reads it.

Parses every entry, ties to your ledger, applies the standards for your jurisdiction. Cites each flagged figure.

› read_pdf · 142 entries
✓ matched 138/142
⚠ flagged 2 exceptions
› cross_ref · vendor master
03 / DRAFT

Workpaper drafted.

Header, ruled body, exceptions footnoted, sources cited. Structured for partner review.

R-001 Opening142,308
R-003 Vendor(24,712)
R-004 Wire ⚠$9,500
R-008 Closing76,428
04 / REVIEW

You review and sign.

Review line by line. Cadensor adapts to your notes. You sign.

REVIEWER B. Mehta
pricing

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  • 5 workpapers / month
  • All file types: PDF, CSV, XLSX
  • ISA citations + source tracing
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