Scan Controls → Check Reconciliation → Flag Gaps → Rank Risk → Alert

Trust Ledger Guardian Agent

Monitors trust accounting controls and missing reconciliation evidence, so commingling risk and audit gaps surface early instead of at audit time.

The Problem

Trust accounting risks hide until an audit finds them.

Trust accounting gaps are discovered during audits, not before. Commingling risk is invisible.

What Changes

Controls monitored, missing evidence flagged early.

Monitors trust accounting controls and flags missing reconciliation evidence in real time. Catches the gaps before the auditor does.

Humans stay in control: Your controller owns trust accounting and fixes issues. The agent monitors and flags. It removes the blind spots, not the responsibility.

HOW THE AGENT WORKS

TRIGGERLLMAPIDECISIONACTIONWAIT

TRIGGERScheduled CheckPeriodic trust control scan

APIPull Trust DataGet trust balances and reconciliations

LLMCheck ControlsTest against required controls

DECISIONGap Found?

LLMRank RiskOrder gaps by exposure

ACTIONAlert ControllerSend the ranked findings

The agent doesn't manage the trust account. It monitors controls and flags gaps. Your controller investigates and corrects.

HOW TO BUILD IT

Three levels of depth. Pick the one that matches where you are.

For the ops person who needs to understand what's involved and brief their team.

Your Trust AccountsBalances + reconciliations

The AgentWorkflow engine + LLM

Your ControllerEarly risk flags

WHAT YOUR TEAM PROVIDES ONCE

Trust data access - balances, ledgers, reconciliations
Required controls - the checks trust accounting must pass
Evidence rules - what reconciliation proof is required
Risk ranking - what exposure matters most
Alert routing - who receives findings

What happens day-to-day: The agent periodically checks the trust controls, reconciliations current, no commingling signals, evidence on file, and flags gaps with their risk. Your controller fixes issues on a schedule instead of discovering them when an auditor does.

For the IT person or technical lead who needs to scope the integration.

INQUIRY SOURCES

Trust accounting

Bank feeds

Reconciliation records

WORKFLOW ENGINE (N8N)

Trigger - schedule

API - Pull trust data

LLM - Check controls

Branch - gap?

LLM - Rank risk

Alert controller

Log findings

CONNECTS TO

Accounting / trust (Yardi etc.)Read: trust ledgers, reconciliations

Bank feedsRead: cleared transactions

Notifications (email / Slack)Alert the controller

Audit / findings logRecord gaps and resolution

WITHOUT PMS API

Agent reads exported reconciliations and flags gaps against the control list. The monitoring logic still runs.

WITH PMS API

Agent reads live trust data and reconciliations and flags control gaps early. Best experience.

For the person who wants to build this agent step by step. Each node below maps to an n8n workflow node.

TRIGGERNode 1

Trigger - Scheduled Check

Cron (e.g. weekly) over trust accounts.

Output: { run_date, trust_accounts[] }

APINode 2

HTTP Request - Pull Trust Data

Get balances, ledger entries, and latest reconciliations.

Output: { balances, reconciliations, transactions }

LLMNode 3

LLM - Check Controls

Test each required control and flag failures or missing evidence.

Output: [{ control, status, gap, evidence_present }]

You check trust accounting controls.

For each control in REQUIRED CONTROLS, test against the data. Return:
- control, status (pass/fail), gap (one line if fail), evidence_present (true/false)
Flag any sign of commingling or unreconciled balances.
Respond ONLY with a valid JSON array.

REQUIRED CONTROLS: {required_controls}
TRUST DATA: {trust_data}

OUTPUT

[
  { "control": "monthly reconciliation complete", "status": "fail", "gap": "May reconciliation not on file", "evidence_present": false },
  { "control": "no operating funds in trust", "status": "pass", "gap": null, "evidence_present": true }
]

DECISIONNode 4

Condition - Gap Found?

IF any control fails or evidence is missing → rank and alert. ELSE → log all-clear.

Output: Branch: GAP (rank + alert) or CLEAN (log)

LLMNode 5

LLM - Rank Risk

Order gaps by audit and compliance exposure.

Output: [{ rank, control, exposure, action }]

You rank trust control gaps by exposure.
Return a JSON array ordered by exposure (commingling and unreconciled balances highest), each with rank, control, exposure, action.
GAPS: {gaps}

OUTPUT

[
  { "rank": 1, "control": "monthly reconciliation complete", "exposure": "high", "action": "Complete and file the May reconciliation before next audit window." }
]

ACTIONNode 6

Alert Controller

Send the ranked findings to the controller and log them for the audit trail.

Output: Controller alerted; findings logged.

MVP vs Advanced — Where To Start

MVP — START HERE

Manual check
Reconciliation export
Control checklist test
Simple gap flag
Email alert
Findings to a sheet

ADVANCED — ADD LATER

Full Video Walkthrough Coming Soon

From trust controls to an early risk flag - step by step.

Everything on this page is free to learn.

When you're ready to build — do it yourself or bring us in.

Book a call to scope this

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Frequently asked questions

Trust Ledger Guardian Agent is an AI agent that monitors trust accounting controls, and catches gaps before audits.

Trust accounting risks hide until an audit finds them. The Trust Ledger Guardian Agent addresses this — it monitors trust accounting controls, and catches gaps before audits.

No — your team stays in control. Your controller owns trust accounting and fixes issues. The agent monitors and flags. It removes the blind spots, not the responsibility.

This is 6 of 6 agents in Finance & Accounting. → · Explore all 10 departments →