This control plane turns synthetic settlement exports into one review surface: processor fee deltas, returned ACH payouts, merchant ledger breaks, owner accountability, cutoff replay, and final close signoff before reconciliation confidence is asserted.
| Lane | Owner | Status | Focus | Next action |
|---|---|---|---|---|
| Card settlement lane The card lane remains noisy until processor settlement and internal booking totals agree. |
Payment Operations | red | Processor batches, fee deltas, and merchant booking alignment | Clear the fee delta and ledger break before certifying the next card close packet. |
| ACH payout lane ACH returns still block close confidence across the vendor payout batch. |
Treasury Operations | red | Returned payouts, funding reversals, and payout-close evidence | Finish the return-to-ticket mapping and collect treasury signoff for the ACH packet. |
| Exception ownership lane The ownership lane is recoverable once named accountability is restored. |
Finance Controls | yellow | Owner evidence, escalation notes, and close-safe accountability | Attach the missing owner and escalation timestamp to the oldest payout exception. |
| Close packet lane The close packet is not yet safe for final certification. |
Settlement Governance | red | Certification completeness, treasury review, and finance signoff posture | Close the missing treasury and finance notes before marking the packet ready. |