Case Study — Nexora
Automating Regulatory Reporting Across 18 Subsidiaries in 11 Jurisdictions
AI agents reconciling and assembling regulator-ready reports from fragmented entity data
Industry
Multi-National Financial Holding Group
Timeline
20 weeks
Team
6 engineers
Tech
Multi-Agent Orchestration + RBAC + PostgreSQL
The Challenge
A financial holding group with 18 subsidiary entities across 11 regulatory jurisdictions assembled quarterly regulatory reports through an entirely manual process: finance staff at each subsidiary exported data independently, a central team reconciled inconsistent formats and currencies by hand, and reports routinely took 3 weeks to finalize with recurring last-minute reconciliation errors that delayed regulator filings.
Our Approach
How We Solved It
Entity Data Normalization Agent
Built an agent that ingests each subsidiary's financial extracts in whatever native format they produce and normalizes currency, chart-of-accounts mapping, and reporting period alignment into one canonical schema.
Jurisdiction Rule Engine
Encoded each of the 11 jurisdictions' specific regulatory reporting requirements — disclosure thresholds, required schedules, filing formats — as workflow configuration, replacing knowledge held by two people.
Cross-Entity Reconciliation Agent
Deployed an agent that flags inter-company transactions and balances that don't reconcile across entities before the report is assembled, catching errors that previously surfaced during regulator review.
Report Assembly & Filing Package Generation
Automated the final assembly of jurisdiction-specific filing packages, complete with the supporting schedules each regulator requires, ready for a compliance officer's final sign-off.
Engineering Process
How We Built It
Canonical Schema With Entity-Specific Adapters
Each subsidiary has a lightweight adapter mapping its native export format to Nexora's canonical financial schema, so onboarding a newly acquired entity doesn't require rebuilding the reconciliation logic.
Multi-Currency Reconciliation at the Transaction Level
Currency conversion and reconciliation happen at the individual transaction level using period-appropriate rates, not at the aggregate level — this is what caught reconciliation breaks the old spreadsheet process missed.
Jurisdiction Rules as Configuration, Not Code
Regulatory requirements per jurisdiction are workflow configuration reviewable by compliance staff directly, since jurisdictions update disclosure requirements on independent regulatory calendars.
Architecture Decisions
Key Technical Choices
Compliance Officer Sign-Off Remains Mandatory
The system assembles and reconciles; it never files. A named compliance officer per jurisdiction reviews and signs off on every report before submission.
RBAC Scoped to Entity and Jurisdiction
Access control is scoped so a subsidiary's finance team can only see and act on their own entity's data, while the central compliance team has cross-entity visibility — matching the group's existing governance structure.
Immutable Version History Per Report
Every version of a report, including pre-reconciliation drafts, is retained immutably, giving auditors a complete reconstruction trail if a regulator ever questions a filed figure.
Results
What We Delivered
Solution Blueprint
How It All Fits Together
- 18 entity-specific adapters
- Canonical financial schema
- Multi-currency reconciliation
- 11 jurisdiction rule sets
- Cross-entity reconciliation agent
- Immutable report version history
- Filing package assembly
- Compliance officer sign-off queue
- Regulator submission tracking
Lessons Learned
What We Improved
Reconcile at the Transaction Level, Not the Summary Level
Early attempts at aggregate-level reconciliation missed exactly the errors that caused regulator pushback. Transaction-level reconciliation was more engineering effort but the only approach that actually worked.
Compliance Officers Needed Config Access, Not Reports
Giving compliance staff direct access to update jurisdiction rules, rather than a static report, turned them from a bottleneck into the system's most active users.
Newly Acquired Entities Are the Hard Case
The group acquired a new subsidiary mid-project. Designing the entity-adapter pattern to onboard it in days rather than months validated the architecture choice early.
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