AI Agents in Treasury: What They Are and How They’re Transforming Operations

AI has moved beyond the buzz — it’s here, and treasury teams are already putting it to work. One of the most important shifts we’re seeing is the rise of AI agents in treasury operations. These are smart, decision-making systems that don’t just automate tasks — they actively learn, adapt, and take autonomous decisions helping finance teams enhance treasury operations efficiency and accuracy..

In this blog, we’ll unpack what AI agents really do, how they work behind the scenes, and how they’re changing the way treasury departments run.

What Are AI Agents in Treasury Operations?

At their core, AI agents are like digital assistants — only smarter and more independent. They can scan environments, understand data, and carry out tasks on their own. In a treasury setting, that means they’re helping teams stay on top of processes, such as:

– Real-time cash forecasting

– Investment recommendations

– Intercompany lending

– Risk detection and alerts

What separates AI agents from existing automation tools is their ability to improve over time. They’re built on technologies like machine learning and natural language processing, which means they can pick up on trends, interpret both numbers and language, and adjust their actions accordingly.

Picture a virtual analyst — one that never gets tired, doesn’t need breaks, and scales easily across teams, regions, and time zones. From improving cash visibility to making proactive suggestions, AI agents are proving to be a game-changer for forward-thinking finance teams.

How is Agentic AI Transforming Treasury Management

The role of agentic AI in treasury management goes far beyond automation. It’s changing how treasury teams think, plan, and act. Here’s where it’s making the biggest impact:

Real-time cash forecasting

AI agents pull data from internal systems, past trends, and even market signals to build up-to-the-minute cash flow forecasts. That helps finance teams stay one step ahead of potential shortfalls or surpluses.

Smarter liquidity allocation

AI agents don’t just show where cash is — they suggest where it should go. By analyzing inflows, outflows, and rates, they can move money around in real time to optimize returns and reduce idle balances.

Better scenario planning

Agentic AI models can run simulations based on different market events or business disruptions — from supplier delays to interest rate changes. That way, teams can proactively prepare, eliminating delayed responses. 

Risk detection and early alerts

AI agents spot issues before they become real problems. Whether it’s a cash mismatch, an overdraft risk, or a compliance red flag, these systems alert treasury teams early enough to act.

With AI agents to their aid, treasury leaders are spending less time on routine tasks and more time on shaping strategy. This results in a clear shift from operational gatekeeping to proactive decision-making.

Autonomous Finance Agents in Action

Autonomous finance agents are already making their way into real-world treasury workflows. These aren’t theoretical tools — they’re working behind the scenes and  quietly managing high-stakes tasks with little to no human intervention.

Here’s how they’re transforming treasury operations:

Daily cash positioning

AI agents gather balances from banks and ERP systems, calculate daily positions, and factor in incoming and outgoing payments. CFOs get a clear, updated view of liquidity — without the spreadsheet mess.

Intercompany lending

Need to move money between business units? AI agents identify surplus and deficit positions, recommend loans, calculate interest, generate entries, and schedule repayments — all automatically, and in line with company policy.

Investment ideas

When there’s idle cash sitting around, agents step in. They suggest investment options based on real-time market conditions and company risk profiles. Some even execute those moves through integrated platforms.

FX risk & hedging

In global operations, currency exposure is a constant challenge. AI agents can assess foreign exchange risks and suggest or trigger hedges based on forecasts, rates, and internal guidelines.

Benefits of AI-Driven Treasury Automation

At HighRadius, we’ve seen firsthand how AI-powered treasury automation delivers real value — not just in theory, but in measurable results. Here’s what companies are experiencing:

1. 95% global inflows forecast accuracy

Agentic AI delivers highly accurate cash inflow forecasts—up to 95%—giving finance teams the confidence to plan with precision. This reduces guesswork and supports better investment and working capital decisions.

2. 95% global outflows forecast accuracy

With equal accuracy on the outflow side, businesses can better predict financial obligations, minimize the risks of shortfalls, and ensure timely payments—improving operational efficiency and vendor trust.

3. 90% time saving per scenario analysis

By automating data modeling and reporting, agentic AI reduces the time required for  scenario analysis time by 90%. Finance teams can quickly run multiple what-if models and respond faster to market changes.

4. 50% reduction in idle cash

Improved cash visibility enables smarter fund allocation, helping reduce idle cash by 50%. Businesses can reinvest freed-up capital or improve liquidity planning across global entities.

5. 70% boost in productivity

Automation of routine finance tasks leads to a 70% productivity gain. Teams spend less time on manual work and more on strategic insights and value-added activities.

From Transformation to Intelligence: The Future of Treasury

The treasury function isn’t just changing — it’s leveling up. AI agents are no longer just helpful tools; they’re becoming trusted strategic partners. As treasury digital transformation continues to speed up, early adopters are already reaping the rewards.

What’s next?

– AI-powered treasury management software will become the norm.

– Integration with ERPs and banks will be tighter.

– Treasury decisions will be faster, more data-driven, and more confident.

How HighRadius Agentic AI Make Treasury Operations Easier

HighRadius offers a cloud-based Treasury and Risk software that streamlines and automates treasury operations, including cash forecasting, cash management, and treasury payments. We have empowered the world’s leading companies, like Danone, HNTB, Harris, and Konica Minolta, to optimize their cash forecasting accuracy, make decisions faster with real-time bank data, and reduce bank fees.

Our Cash Forecasting Solution leverages advanced technologies such as artificial intelligence (AI) and machine learning (ML) and integrates with banks and ERPs to get AR/AP data, improve ML prediction rates, and enable treasurers to achieve accurate, real-time cash forecasting. Businesses can forecast cash into any category or entity on a daily, weekly, and monthly basis with up to 95% accuracy, perform what-if scenarios, and compare actuals vs. forecasted cash. 

Our Cash Management Solution automates the reconciliation process between bank statements and internal financial records, reducing manual effort and errors and increasing cash management productivity by 70%. With our treasury and risk solutions, treasury professionals gain instant, personalized insight into their cash positions with unparalleled global visibility.

Our Treasury Payments Solution enables finance teams to centralize and automate outbound payments across entities, banks, and geographies while enforcing payment policies and mitigating fraud risk. With seamless ERP integration, multi-bank connectivity, and intelligent approval workflows, treasurers gain full control and visibility over payment processes, ensuring 30% reduction in bank fees, security, accuracy, and compliance at scale. 

FAQs

1 What are AI agents in treasury operations?

AI agents in treasury operations are intelligent, autonomous systems that execute tasks such as cash positioning, risk management, and forecasting with minimal oversight. These agents are transforming treasury workflows by enabling real-time, data-driven decisions.

2. How is agentic AI transforming treasury management?

AI in treasury management is enabling finance teams to automate core processes such as  cash flow forecasting, liquidity tracking, and fraud detection. Leveraging AI agents accelerates treasury operations, enhances accuracy , and is strategically impactful.

3. What is treasury automation with AI agents?

Treasury automation with AI refers to using intelligent tools to streamline workflows like reconciliations, payments, and cash visibility. AI agents help reduce manual effort and bring accuracy, speed, and predictive ability to treasury operations.

4. What are autonomous finance agents in treasury?

Autonomous finance agents are AI-powered systems designed to operate independently across treasury tasks like cash forecasting, risk analysis, and liquidity management. These agents drive treasury digital transformation and enable intelligent operations.

5. What are examples of AI agents in treasury operations?

Examples of AI agents in treasury operations include predictive cash flow forecasting, payment anomaly detection, automated investment recommendations, and AI-driven risk scoring. These use cases showcase how AI agents improve treasury automation and efficiency.