AI Agents

AI Agents for Treasury: Transform Cash Flow & Liquidity Management

Treasury teams are drowning in manual processes and CFOs need real-time insights to drive strategic decisions. Discover how AI agents transform treasury operations through automated forecasting and cash positioning

June 20, 2025

AI Agents for Treasury: Transform Cash Flow & Liquidity Management

The treasury function is under more pressure than ever before. As interest rates fluctuate and economic headwinds persist, companies are turning to treasury leaders to provide real-time insights into liquidity, risk, and solvency. However, that’s challenging to achieve when most treasury workflows still rely on fragmented tools and labor-intensive processes.

At the same time, the risks of getting it wrong are escalating. Monthly corporate defaults surged to 19 in May 2025—more than double the eight reported in April and the highest monthly count since October 2020. Treasury isn’t just being asked to report—it’s being asked to help prevent failure. Yet the typical treasury tech stack remains stuck in a reactive mode. Cash flow forecasts are built on spreadsheets. Bank balances are pulled manually. Reports are generated with siloed data that doesn’t reflect today’s position—let alone tomorrow’s exposure.

“Economic concerns dominate the CFO risk agenda. Inflation, interest rates, and liquidity; global economic slowdown; and local or regional slowdowns are the top three issues.” — Deloitte Insights 2025

Cash flow forecasts are built on spreadsheets. Bank balances are pulled manually. Reports are generated with siloed data that doesn’t reflect today’s position—let alone tomorrow’s exposure.

This growing gap between rising expectations and outdated workflows is pushing treasury to a breaking point. What used to be monthly questions are now daily ones. Boards want to know how much cash can be mobilized in the event of a credit tightening. CFOs are asking whether the company can cover obligations if receivables slow down. And teams are expected to answer immediately, with confidence.

But most treasury operations weren’t designed for that level of speed or precision. Legacy tech stacks—ERPs, bank portals, TMS workstations, spreadsheets—don’t communicate well, and the humans connecting them are already overstretched.

The result is a mission-critical function that’s being asked to move faster than tools allow.

Current Treasury Workflow	Modern Expectations
Siloed systems (ERP, TMS, spreadsheets)	Integrated, real-time data
Manual cash position checks	Instant liquidity visibility
Spreadsheet-based forecasting	Dynamic scenario planning
Reactive reporting	Proactive risk management
Static tools	Intelligent automation

The Hidden Bottleneck in Modern Treasury Operations

While sales, marketing, and even accounting have made progress over the last decade in automation, treasury remains stuck in a pre-digital workflow. The interfaces may be newer, but the processes underneath are still painfully manual.

Take cash positioning. At many companies, analysts still log into multiple bank portals, export balances, convert currencies, and stitch everything together in Excel—one entity at a time. If the business operates globally, that single task can eat up hours each day and still only deliver a lagging snapshot.

Cash flow forecasting isn’t much better. Treasury teams pull AP and AR data from ERPs, layer in bank activity, adjust for seasonality, and manually update 13-week cash models. Every new input—a late receivable, a one-off payment, a new entity—requires rework. According to PwC, 43% of treasury professionals cite cash flow forecasting as their number one challenge. It’s a familiar pain across the finance function—FP&A teams also struggle to maintain timely forecasts, with 63% unable to project beyond six months. These aren’t edge cases—they’re system-wide signs that existing infrastructure can’t keep up. Here’s how AI agents are helping FP&A teams move faster, without rebuilding from scratch.

That helps explain why 49% of finance leaders now rank building a scalable treasury as a top priority. The urgency is real: without automation, treasury can’t keep pace with the velocity and volatility of modern finance. Strategic work—like liquidity optimization, capital allocation, and risk management—keeps getting displaced by spreadsheet gymnastics.

Even companies that have invested in Treasury Management Systems aren’t immune. TMS platforms often promise automation but deliver rigidity: long implementation cycles, steep maintenance costs, and brittle integrations with the broader finance stack. The result is fragmented workflows that still rely on manual reconciliation—and leave teams blind to real-time shifts.

This creates an inefficient and error-prone cycle:

Data is manually pulled and reformatted.
Forecasts are recreated week after week.
Reports are rerun every time a new number surfaces.

These aren’t just operational inefficiencies; they’re strategic liabilities. Treasury teams can’t drive liquidity planning or hedge interest exposure if they’re buried in reconciliations. Visibility suffers, decision speed slows, and signals get missed.

A Smarter Layer for Your Existing Treasury Stack

AI agents are changing how treasury operates—not by replacing systems, but by making them smarter.

These agents connect directly to the tools your team already uses—such as ERP, TMS, spreadsheets, and banks —and sit on top of those systems as an intelligent execution layer. Instead of asking analysts to toggle between platforms, download CSVs, reconcile line items, and build reports, agents handle the orchestration and output.

Think of an AI agent as a teammate that can run a workflow end-to-end: pulling live data, transforming and aggregating it, and delivering answers in the format you need. You don’t have to initiate macros, load templates, or build custom integrations. Just prompt the agent and let it handle the rest.

For example:

“What’s our total cash position by entity, as of this morning?”
“Update our short-term forecast using yesterday’s AR and AP data.”
“Alert me if our liquidity buffer drops below the 60-day threshold.”
“Draft a monthly report for the CFO with cash trends, upcoming obligations, and FX risk.”

No coding. No reformatting. Just clear output from a single question.

And because these agents operate in real time, they don’t just accelerate execution—they fundamentally change how quickly treasury can respond. That shift is long overdue.

Half of CFOs say they’re forced to make decisions based on gut instinct despite having the data they need—because it’s siloed, not in the right format, or not readily available. Agents close that gap, turning static snapshots into dynamic dashboards and transforming reactive reporting into proactive liquidity management.

And this isn’t just a treasury story. Across the finance function, teams are using agents to handle high-friction workflows—from variance analysis to board reporting—without changing their core systems. See how AI agents are reshaping modern finance operations.

5 High-Impact Use Cases for Treasury AI Agents

AI agents are redefining how treasury teams operate by taking on high-leverage workflows that were previously manual, fragmented, or slow. Here are five critical use cases where agents are already delivering meaningful impact:

1. Global Cash Positioning in Real Time

Managing liquidity across multiple bank accounts, currencies, and legal entities is one of treasury’s most time-sensitive challenges. AI agents eliminate the need for daily manual exports by pulling live balances from sources and consolidating them into a real-time view. This enables accurate cash snapshots by entity, region, or currency—no spreadsheet consolidation required. Treasury teams can spot shortfalls, rebalance liquidity, or prepare for unexpected outflows without the usual lag.

2. Automated Liquidity Forecasting That Actually Updates

Cash forecasting is essential for making informed capital and investment decisions; however, most forecasts are built on outdated data and require ongoing maintenance. Agents automatically update short-term forecasts using the latest actuals from ERP and bank feeds, adjusting for changes in inflows, outflows, and seasonality. Treasury leaders get a more accurate view of their 13-week outlook—and can make faster decisions about cash buffers, borrowing needs, or risk mitigation strategies.

3. Never Miss Another Interest Payment or Covenant

Missed interest payments or covenant breaches can have serious financial consequences. Yet tracking these obligations typically requires manually updating schedules, reviewing credit terms, and reconciling across systems. AI agents can monitor debt obligations, flag upcoming payments, and proactively alert teams to any risk of noncompliance. This not only reduces human error but gives CFOs peace of mind in managing credit facilities and staying within covenant thresholds.

4. Turn Idle Cash Into Optimized Returns

In today’s high-rate environment, sitting on idle cash is a missed opportunity. Agents can help identify excess cash balances across entities or accounts and recommend aligned, short-term investment options based on internal policy and market rates. This gives treasury teams the ability to make more proactive, yield-focused decisions without relying on quarterly reviews or ad hoc analyses.

5. Board Reports That Write Themselves

Treasury reports are critical for internal leadership, boards, auditors, and regulators—but preparing them is often a manual and time-consuming process. AI agents streamline this by pulling the relevant data across systems, organizing it into stakeholder-specific formats, and even drafting commentary based on key trends. This ensures teams always have up-to-date reports on liquidity, exposure, debt, and risk—without scrambling to piece them together every month.

From Financial Coordination to Command Center

Treasury is often described as the financial control tower—but most teams don’t have the systems or bandwidth to truly operate that way. Instead of guiding decisions, treasury is too often chasing inputs.

AI agents allow teams to shift from coordination to command. Instead of managing dozens of spreadsheets and reconciling week-old data, teams can spend their time analyzing trends, modeling scenarios, and making real-time adjustments to optimize cash and risk.

This unlocks a new operating model:

Forecasts are always up to date.
Reports are ready when leadership asks.
Liquidity risks are flagged in real-time, not after the fact.

It’s not just a time-saver. It’s a competitive edge. In a market where agility matters, the ability to see clearly—and act quickly—can mean the difference between stability and surprise.

Companies that implement AI-powered finance tools report:

While adoption in treasury is still early, the trajectory is clear. AI agents are starting to take on foundational workflows—like forecast updates and reporting prep—and opening the door to a more dynamic, data-driven treasury function.

Teams that get started now won’t just save time. They’ll build the muscle to lead with insight.

Why Concourse

At Concourse, we build AI agents specifically for corporate finance teams—and treasury is one of the highest-impact areas we support. Our agents connect directly to your ERP, TMS, bank portals, and spreadsheets, executing end-to-end workflows like cash positioning, forecasting, and stakeholder reporting.

No migration. No disruption. No retraining. Setup takes less than 15 minutes.

If you're planning how to bring AI into your internal finance team, our implementation guide shows exactly how to launch fast, prove ROI, and scale with confidence.

Ready to turn treasury into a real-time command center?

Join the waitlist or email us at hello@concourse.co.

Let’s build the future of finance—starting with treasury.