For growing businesses, treasury management isn’t a “set it and forget it” service. An annual Treasury Management Review with Scale Bank helps ensure your accounts, payment workflows, and controls stay aligned with how your business operates today. Each year, a treasury management specialist reviews your current setup and delivers a customized plan with clear recommendations to improve efficiency, strengthen security, and support smarter cash decisions.
Why Annual Treasury Management Reviews Matter
Treasury services touch the most time-sensitive parts of a business: paying vendors, collecting receivables, funding payroll, and protecting liquidity. Even strong treasury setups can drift out of sync as your company adds locations, changes systems, hires new approvers, or shifts payment volumes. Annual treasury management reviews create a regular cadence to confirm your structure still fits and to make improvements before a little bit of friction turns into a big headache.
Across the industry, businesses often cite their experience as the biggest frustration with treasury management: implementation hurdles, inconsistent support, and integration challenges with accounting or ERP systems. Annual reviews help reduce those pain points by re-checking the setup, validating that workflows still perform as intended, and identifying enhancements that create measurable efficiencies and stronger protection.
During a recent treasury management review, a client in the construction industry discovered several opportunities to better align their banking setup with their day-to-day operations.
Over time, user access and signer authorities had become outdated. Former employees still had residual access, and approval levels no longer fully reflected current roles and responsibilities.
Through the review process, the treasury management specialist worked with the client to streamline and update signer lists and digital banking permissions. Access was realigned based on job function, ensuring the right individuals had the appropriate level of authority—no more, no less. This not only simplified internal workflows but also strengthened the company’s control environment by reducing unnecessary exposure.
The review also uncovered a mismatch between the company’s daily wire activity and its established transaction limits, with limits set too high relative to actual usage, increasing risk. By recalibrating these thresholds to better reflect the company’s typical transaction patterns, the client gained both flexibility and confidence in their processes.
As a result, the organization now operates with cleaner, more intentional controls, improved efficiency in payment execution, and a significantly reduced risk profile. What began as a routine treasury management review ultimately delivered meaningful operational improvements and reinforced the value of regularly revisiting banking structures as a business evolves.
What Treasury Management Customers Say They Want
Business owners and finance teams consistently value a treasury experience that is both digital and high-touch. They want self-service options for routine tasks, fast and accurate problem resolution when issues arise, and clear information delivered quickly, especially when cash flow or payments are time-sensitive. They also want multiple support channels (phone, email, and online resources) so they can get help the way they work.
The strongest treasury management programs combine digital convenience with easy access to experienced specialists: the people who understand the industry, approval structure, and business cash cycle. When a business has a deadline for payroll, a suspicious transaction, or a time-critical wire, owners want access to a knowledgeable advisor. When the task is simple, like adding a user, pulling a report, or approving an exception, they want low-friction support.
One client shared, “Good support means having quick access to someone who understands our business, communicates clearly, and takes action right away. Whether it’s something urgent or routine, the combination of speed, transparency, and easy access makes all the difference.”
The Annual Treasury Management Review
A Scale Bank Treasury Management Review is a structured working session designed to help both the Bank and the business understand what’s working, where friction exists, and what changes will deliver the greatest impact. The outcome is a clear set of recommendations and an action plan that’s tailored to the customer’s goals, workflows, and risk profile.
- Accounts and cash flow structure: Operating accounts, concentration, sweeps, liquidity access, and how cash moves across entities.
- Receivables and collections: Deposits, remote deposit capture, lockbox (if applicable), and posting/reconciliation workflows.
- Payment systems: ACH, wires, checks, commercial cards, cutoffs, and approval chains.
- Fraud protection and controls: User permissions, dual approvals, Positive Pay, ACH Filter, alerts, anomaly monitoring, and training/process discipline.
- Integrations and data: Connections to accounting/ERP platforms, file formats, reporting cadence, and data quality for decision-making.
- Fees and service utilization: What’s being used, what can be consolidated or optimized, and where tools are underutilized.
- Risk review: Workflow risks, operational dependencies, and control gaps created by growth or staff turnover.
- Efficiency and cost opportunities: Automation, straight-through processing, reduced manual touchpoints, and potential cost reductions.
- Recommendations and action plan: A prioritized roadmap with owners, timelines, and success measures
A quick annual Treasury Management review can help keep your business finances healthy, efficient, and protected. Watch this short video to see how Scale Bank’s value-added client service can help your business.
The Payoff: Visibility, Speed, and Better Cash Decisions
Clients view the biggest benefit of an annual treasury management review as the peace of mind that comes from having the right user access, clear bank responsibilities, strong fraud controls, and streamlined, efficient processes.
Businesses are under pressure to move money faster—pay suppliers on tighter timelines, accelerate receivables, and shorten settlement cycles. A review helps confirm that payment rails, approval workflows, and cutoff practices match the business’s need for same-day movement wherever it’s appropriate and available.
As Payments Get Faster, Fraud Controls Must Keep Up
Faster payments can also amplify fraud anxiety. When funds move quickly, the window to detect and stop suspicious activity gets smaller. That’s why the annual review includes a workflow audit of how payments are initiated and approved. The audit looks for control gaps and opportunities to strengthen protection without slowing the business down.
High-value controls are most effective when they’re embedded directly in day-to-day workflows: Positive Pay for checks, ACH filters and blocks, dual approvals, tightly managed user permissions, real-time alerts, and disciplined payment review processes. Scale Bank also encourages employee training and standardized procedures to reduce business email compromise and social-engineering risk. Regular assessments of fraud risk and controls are widely recommended as a core safeguard for commercial accounts.
Fraud can happen to any business. How your bank responds makes all the difference.
A retail client recently experienced two unauthorized ACH debits posted to their checking account. Scale Bank acted quickly to mitigate the issue, promptly returning the debits and crediting the client’s account, ensuring no disruption to their cash flow. In addition to resolving the immediate concern, the Bank partnered with the client on a proactive go-forward strategy by implementing ACH Filter, along with hands-on training to ensure the client could effectively monitor and manage transactions. This enhanced fraud control helps protect the company, reduce risk, and provide greater visibility into account activity. The client expressed strong appreciation for the bank’s quick and seamless response, noting that the experience reinforced their confidence in Scale Bank and its fraud prevention capabilities.
Treasury Management as Scalable Infrastructure
Annual reviews also support better technology outcomes. When reporting and payment initiation connect cleanly to your accounting or ERP environment, treasury shifts from manual operations to a more automated, controlled process. Many businesses pursue these upgrades specifically to improve data flow, collaboration, and cash visibility.
Bottom Line
Treasury management is the financial infrastructure behind day-to-day operations, and annual treasury management reviews help keep that infrastructure efficient, secure, and ready to scale. With a consistent review cadence, businesses can improve real-time visibility, reduce manual work, move money faster, and strengthen fraud protection in ways that support resilience and better decision-making.
Chris Funk
VP Treasury Management Sales
D: 952-830-7289
E: Chris.Funk@scale.bank
About the Industry Expert
Chris Funk is a seasoned Treasury Management professional at Scale Bank, with over 15 years of experience helping businesses optimize cash flow, streamline payments, and strengthen operational efficiency. He specializes in connecting complex treasury products with real-world client needs, delivering scalable, strategic solutions in today’s digital banking environment. Known for his collaborative approach and deep technical expertise, Chris partners closely with clients and internal teams to create meaningful, results-driven banking experiences.
