🏦 CFO Agent

Your AI CFO — automated bank transaction tracking, expense categorization, invoice matching, anomaly detection, and weekly/monthly financial reports.

A Clawdbot skill that connects to your bank via Ponto and manages your finances automatically.

✨ Features

• 📥 Auto-sync — Bank transactions sync to Google Sheets every hour
• 🧾 Invoice matching — Send a PDF/image, auto-matched to the expense
• 🚨 Anomaly detection — Alerts for unusual payments, new vendors, high amounts
• 📊 Weekly reports — Spending trends, projections, top expenses
• 📈 Monthly reports — Full CFO analysis with subscription control & recommendations
• 🏷️ Auto-categorization — AI tools, cloud, marketing, SaaS, etc.

🚀 Quick Start

1. Install — Copy to your Clawdbot skills folder
2. Configure — Copy config.example.json → config.json and add your credentials
3. Connect Google — Set up OAuth in ~/.claude/.google/
4. Add to heartbeat — Check for new transactions hourly

See SKILL.md for full documentation.

📋 Requirements

• Ponto account with API access (EU banks)
• Google Cloud project with Drive & Sheets APIs
• Python 3.8+

🔒 Security

⚠️ Never commit credentials!

• config.json — Your API keys (use config.example.json as template)
• state.json — Transaction state
• Google tokens

All sensitive files are in .gitignore.

📁 Structure

cfo-agent/
├── SKILL.md              # Full documentation
├── config.example.json   # Config template
├── .gitignore           # Protects secrets
└── scripts/
    ├── check_new_transactions.py  # Hourly check
    ├── sync_transactions.py       # Bulk sync
    ├── detect_anomalies.py        # Anomaly detection
    ├── weekly_report.py           # Monday reports
    └── monthly_report.py          # Monthly analysis

📊 Sample Reports

Weekly (Mondays)

• Account balance & runway
• This week vs last week
• Top 5 expenses
• End-of-month projection

Monthly (1st)

• Executive summary with YoY comparison
• Category & vendor breakdowns
• Subscription audit (essential vs non-essential)
• KPIs: burn rate, AI costs %, infra %
• Actionable recommendations

🤝 Contributing

Issues and PRs welcome!

📄 License

MIT