Settlement Fund Reconciliation UI in Figma

Quick answer

Fund reconciliation UI proves settlement money in the bank matches what your system says was disbursed—before counsel signs final accounting or a court asks why $47,000 is unaccounted for. Design REC- reconciliation periods* that lock a date range, BNK- bank statement imports* that map to PAY-* disbursement rows, and variance queues where finance resolves timing differences, voided checks, and processor fees. Admins see ledger vs bank side-by-side; auditors export matched/unmatched lists without spreadsheet archaeology. Connect to payment disbursement, counsel approval, returned payments, final accounting, and compliance exports. Start from the Figma guides hub and pair with tables, badges, and Dev Mode handoff.

Who this is for

Product designers building settlement administrator finance consoles where trust-account balances must reconcile to the cent.
Settlement fund accountants and claims administrators who match bank CSVs to PAY-* records weekly or before court filings.
Class counsel and auditors who need REC-* sign-off trails showing when the fund was last balanced.

Reconciliation lifecycle overview

ReconciliationFlow — REC-992-0033 · Period: 2026-07-01 → 2026-07-31 · Status: Variances open (3)
├── Inputs:
│   ├── System ledger: PAY-* sent · RET-* returned · FEE-* processor fees · ADJ-* manual adjustments
│   ├── [Bank import](/designing-breach-settlement-fund-reconciliation-and-bank-matching-ui-in-figma/) BNK-* lines from trust account CSV/OFX
│   ├── Opening balance (prior REC-* closed balance)
│   └── Expected closing = opening + deposits − disbursements − fees
├── ID namespace:
│   ├── REC-* (reconciliation period) · BNK-* (imported bank line)
│   ├── PAY-* · RET-* · FEE-* · ADJ-* (ledger entries)
│   ├── VAR-* (variance item) · MTCH-* (match record)
│   └── AUD-* (import · match · resolve · close)
├── Match types:
│   ├── Auto-match: amount + date window + reference (check #, ACH trace)
│   ├── Suggested match: fuzzy amount · user confirms
│   ├── Split match: one BNK-* → multiple PAY-* (batch ACH)
│   └── Manual link: VAR-* resolved with reason_enum
├── Outcomes:
│   ├── Closed REC-* → Signed by finance + optional counsel attestation
│   ├── Open VAR-* → Blocks [final accounting](/designing-breach-settlement-final-accounting-and-court-closure-ui-in-figma/) close
│   └── Escalated → [Compliance export](/designing-compliance-exports-and-legal-hold-ui-in-figma/) for external audit
└── Claimant impact: None—this is admin-only; never expose REC-* on [status portal](/designing-breach-settlement-claim-status-portal-and-claimant-dashboard-ui-in-figma/)

Reconciliation state	Finance sees	Blocks
Draft	Import in progress	Nothing
Matching	Auto + suggested queue	REC-* close
Variances open	VAR-* list with aging	Final accounting sign-off
Pending sign-off	Summary totals balanced	Court filing export
Closed	Locked period · read-only	Re-open requires ADJ-* + audit

Verdict: Every disbursement batch should be reconcilable within one REC- period—design imports before you scale to 100k PAY- rows.**

REC-* period structure and dashboard

ReconciliationPeriod — REC-992-0033 · settlement_id: SET-992 · trust_account_id: TRUST-001
├── Core fields:
│   ├── rec_id (REC-*) · period_start · period_end
│   ├── opening_balance · closing_balance_system · closing_balance_bank
│   ├── variance_total (must → 0 to close)
│   ├── status: draft · matching · variances · pending_signoff · closed
│   ├── closed_by_user_id · closed_at
│   └── linked_bnk_import_ids[] · linked_pay_batch_ids[]
├── Dashboard cards:
│   ├── Ledger disbursements (period): $2,847,392.18
│   ├── Bank outflows (matched): $2,847,340.00
│   ├── Unmatched bank lines: 12 · Unmatched ledger: 8
│   ├── Known timing (in transit): $52.18 · Fees: $847.00
│   └── Variance remaining: $0.00 ✓ or $X.XX ⚠
├── Side-by-side table (primary UI):
│   ├── Left: Ledger rows (PAY-* · RET-* · FEE-* · ADJ-*)
│   ├── Right: BNK-* lines with match_status chip
│   ├── Center: Link action · Split · Ignore with reason
│   └── Filters: date · amount range · payment_method · batch_id
└── Actions:
    ├── Import BNK-* CSV · Re-run auto-match · Export unmatched
    ├── Create ADJ-* for legitimate difference · Close REC-* (disabled if VAR-* open)
    └── Link to [audit log](/designing-audit-log-and-security-activity-ui-in-figma/)

Use tables with sticky totals row—finance users scroll thousands of lines during month-end.

BNK-* import and auto-match rules

BankImport — BNK-992-0088 · rec_id: REC-992-0033 · Source: Trust ACH · 4,821 lines
├── Import wizard:
│   ├── Step 1: Upload CSV/OFX · Map columns (date · amount · description · reference)
│   ├── Step 2: Preview dedupe (hash date+amount+ref) · Skip duplicates from prior REC-*
│   ├── Step 3: Run auto-match rules · Show match rate before commit
│   └── Step 4: Commit → BNK-* rows created · AUD-* import logged
├── Auto-match rule priority:
│   ├── Exact: PAY-* check_number === BNK-* reference
│   ├── ACH: trace_id in BNK-* memo matches PAY-* processor_ref
│   ├── Amount+date: same $ ±$0.00 within ±3 business days
│   ├── Batch: sum(BNK-*[]) === sum(PAY-*[]) for batch_id
│   └── Fee: FEE-* template matches processor fee pattern
├── Suggested match UI:
│   ├── Confidence score (high · medium · low)
│   ├── Side preview: PAY-992-22014 ↔ BNK-* line
│   ├── Accept · Reject · Defer to manual
│   └── Bulk accept high-confidence (with undo window)
└── Unmatched BNK-* reasons (common):
    ├── Wire fee not modeled → Create FEE-*
    ├── [Returned check RET-*](/designing-breach-settlement-returned-payment-and-reissue-ui-in-figma/) credit not linked
    ├── Interest on trust balance → ADJ-* income
    └── Bank error → VAR-* escalate

Pair import errors with inline alerts—a malformed CSV should not silently drop 200 rows.

VAR-* variance resolution

VarianceItem — VAR-992-0041 · rec_id: REC-992-0033 · Amount: $52.18 · Status: Open
├── Variance types (reason_enum):
│   ├── timing_in_transit — PAY-* sent · BNK-* posts next period
│   ├── processor_fee_unmapped — Create FEE-* from template
│   ├── partial_return — Link RET-* + remaining PAY-*
│   ├── duplicate_import — Dedupe BNK-* · no ledger impact
│   ├── manual_adjustment — ADJ-* with approver (dual control)
│   └── unknown — Escalate · legal hold on close
├── Resolution UI:
│   ├── Assignee · Due date · Notes (internal)
│   ├── Link to BNK-* and/or PAY-* · Or carry forward to next REC-*
│   ├── Resolve → VAR-* closed · AUD-* captured
│   └── Cannot close REC-* while VAR-* unknown type open
├── Carry-forward:
│   ├── timing_in_transit → Auto-reappear in REC-*+1 with link
│   ├── opening_balance adjustment on next period
│   └── Claimant-neutral—no status portal copy
└── Integration with [counsel approval](/designing-breach-settlement-counsel-review-and-payout-approval-ui-in-figma/):
    ├── Large ADJ-* may require APR-* before REC-* close
    └── Export VAR-* summary for counsel review on final fund report

Comparison: reconciliation vs adjacent settlement finance surfaces

Surface	Focus	This UI adds
Payment disbursement	Execute PAY-*	Prove bank matches ledger
Counsel approval	Gate release	Post-release balance proof
Returned payment	RET-* credits	Match return deposits to RET-*
Final accounting	Court close	Requires closed REC-*
Tax reporting	1099 totals	Reconciled disbursement basis

Handoff checklist (Dev Mode)

ReconciliationPeriod — rec_id (REC-*), period_start, period_end, opening_balance, variance_total, status_enum.
BankImport — bnk_import_id, rec_id, source_format, line_count, committed_at.
BankLine — bnk_id (BNK-*), date, amount, reference, match_status_enum, linked_pay_ids[].
VarianceItem — var_id (VAR-*), rec_id, amount, reason_enum, assignee_id, resolved_at.
MatchRecord — mtch_id (MTCH-*), bnk_id, ledger_ref_type, ledger_ref_id, match_type_enum.
ReconciliationDashboard — side_by_side_layout, auto_match_rules[], close_disabled_reasons[].

Common mistakes

Mistake	Why it hurts	Fix
Reconcile in Excel only	No AUD-* · court discovery gap	BNK-* import + match in product
Single global REC-* for all time	Unmanageable at scale	Monthly or batch-aligned periods
Auto-match without preview	Wrong PAY-* links	Commit wizard with match rate
Ignore processor fees	Persistent VAR-*	FEE-* templates on import
Close REC-* with open unknown VAR-*	Audit finding	Hard block on close CTA
Show bank balance to claimants	Trust account exposure	Admin-only surface
No carry-forward for in-transit	Duplicate VAR-* every month	timing_in_transit → next REC-*
Split match without batch hash	Unaudited partial links	MTCH-* records both legs
Re-open closed REC-* silently	Tampering risk	ADJ-* + dual approval + AUD-*
Missing link to unclaimed funds escheat outflows	Fund leak	Map escheat BNK-* to UCF-*

Recommended workflow

Define REC- period cadence* (monthly vs per disbursement batch) with finance and counsel.
Prototype BNK- import wizard* with column mapping and dedupe preview.
Design side-by-side match UI with auto, suggested, split, and manual paths.
Build VAR- queue* with reason enums and carry-forward to next period.
Gate final accounting close on last closed REC-*.
Export reconciliation package for compliance exports and court filings.

FAQ

One BNK-* line for a 10,000 PAY-* ACH batch?

Split match UI · Link batch_id · Show sum validation · MTCH-* with pay_ids[] hash · Same pattern as counsel batch COUN-*.

RET-* posted in a different month than PAY-*?

Create VAR- timing* or link RET-* in the REC-* when credit appears · Common with returned payment flows.

Trust account earns interest?

ADJ- income row* · Match BNK-* credit · Document in REC-* notes · May affect residual fund reporting.

Counsel must sign REC-* close?

Configurable · High-variance or ADJ-* above threshold → attestation checkbox · Export for final accounting.

Real-time reconciliation during disbursement?

Operational dashboard separate from period close · REC-* still locks for audit · Don’t mix live queue with closed REC-* edits.

Next steps

Design breach settlement payment disbursement and payout tracking UI in Figma — Ledger source for PAY-* matching
Design breach settlement final accounting and court closure UI in Figma — Requires closed REC-*
Design breach settlement returned payment and reissue UI in Figma — RET-* bank credits
Design compliance exports and legal hold UI in Figma — Reconciliation audit packages
Design audit log and security activity UI in Figma — REC-* and MTCH-* trail

Designing breach settlement fund reconciliation and bank matching UI in Figma: REC-* periods, BNK-* imports, and PAY-* variance resolution