Trade Finance Decision Support Solution

Support Letter of Credit ExaminationWith Explainable Findings

TradeComplize evaluates presented documents in the context of the credit text, transaction-specific conditions and cross-document relationships. Potential discrepancies are presented to the expert with the related document field and the reasoning behind each finding.

app.tradecomplize.com

Submit Documents

swift_file.docx

SWIFT MT700 — credit no. 0287, read automatically from field 20

0287.pdf

Presentation set, 21 pages — invoice, B/L, weight list, origin, beneficiary certificate

Presentation Date

Used in expiry- and period-sensitive checks

Examining a Credit Is Not
Simply Reading Documents

A single presentation brings dozens of pages, interlinked conditions and international rule sets to be assessed at once. One detail missed can turn into a payment obligation, a client dispute and operational risk.

TradeComplize does not only produce a result; it also explains the reasons behind it. Users can ask in natural language why a discrepancy arose, what risk a particular condition carries, or how a document should be prepared — and receive an explanation together with the relevant rule and transaction context.

Many Documents

Invoice, bill of lading, insurance document, certificate of origin, weight and packing lists — examined in one file, each referencing the others.

Density of Rules

UCP 600, ISBP 821, ICC opinions and transaction-specific conditions are read together; which condition binds which document must be tracked.

Time Pressure

Expiry, presentation period and latest shipment date all run at once. A discrepancy noticed after a deadline cannot be undone.

Scarcity of Expertise

LC expertise forms over years; institutional knowledge stays tied to individuals and is hard to transfer.

The solution

Repetitive Checks in the System,
The Decision with the Expert

TradeComplize evaluates the document set together with the credit text, transaction-specific conditions and the relevant rule sets. It presents potential discrepancies with the related document, field and reasoning, and flags what is open to interpretation. The final assessment always stays with the authorised expert.

Sample Transaction · 0287
Credit
MT700 · CNY · FOB
Presentation
21 pages · 6 document types
Fields checked
16
Findings
6 potential discrepancies

Examination time

2–5 min

on a typical document set*

This transaction

2:46

21 pages · min:sec

Fields verified

16

6 discrepancies · 8 compliant

From a real demo transaction; party names anonymised. *Timing varies with document count and quality, file condition, server configuration and institution-specific control scope.

Document Examination & Discrepancy Detection

Key Capabilities

Each finding is listed with the related document and field, its relation to the credit condition and the rule context. The aim is not automated verdicts — it is a more consistent, traceable and manageable expert review.

01

Joint Examination of the Document Set

Invoice, transport document, insurance document, certificate of origin, packing list and other documents are evaluated in the same file context.

02

Page-level Checks

Page-level controls, including signatures and stamps, are part of the examination flow.

03

Credit Text and Condition Interpretation

SWIFT MT700/MT710 content and transaction-specific conditions are considered together with document findings.

04

Cross-document Consistency

Names, addresses, goods, quantities, unit prices, totals and weights are cross-checked across documents.

05

Reasoned Reporting

Potential discrepancies are reported with document, field and rule references; areas open to interpretation are flagged for expert review.

06

Natural-language Q&A

Why a discrepancy was raised, or what risk a condition carries, can be asked in natural language and answered with the relevant rule and transaction context.

Evidence trail

What Does a Discrepancy Look Like?
It Comes with Its Reasoning.

The system does not simply say “non-compliant”. Every finding arrives with its SWIFT field, the standard discrepancy wording and the document content it rests on. The items below are the real output of sample transaction 0287.

31D

L/C Expired

L/C EXPIRED

The credit expired on 15 September 2025 (SWIFT 250915); presentation was made after that date.

31D

Late Presentation

LATE PRESENTATION

The presentation date falls after the credit's expiry date.

44C

Late Shipment

LATE SHIPMENT

Shipment date 07.12.2025 exceeds the latest shipment date of 23.08.2025 stipulated in the credit; assessed under UCP 600 Article 20.

46A-2

B/L not Issued to the Order of the Issuing Bank

B/L NOT ISSUED TO THE ORDER OF ISSUING BANK

The B/L lacks the “TO THE ORDER OF” designation; it was not issued to the order of the issuing bank.

46A-2

Notify Party Does not Comply with the L/C

NOTIFY PARTY ON B/L NOT COMPLY WITH L/C

The notify party shown on the B/L does not match the applicant name and address required by the credit.

46A-3

Shipment Advice not Sent in Time

SHIPMENT ADVICE NOT SENT WITHIN 3 DAYS

The e-mail was sent 14 days after the shipment date; the credit requires notice within 3 days.

In the same transaction 8 fields were found compliant — amount, ports, goods description, additional conditions, invoice, weight list and certificate of origin included. Reasoning is available for compliant fields too.

Solution Principle

Automation's Job Is Not to Remove the Expert

It is to free the expert from repetitive checks and focus them on critical decisions. In areas open to interpretation the system produces no definitive verdict; it flags the point and supports a second-approval process.

Workflow

From Document to Expert Decision In Six Steps

Each step passes its output to the next in structured form; throughout the process it stays traceable where every finding came from.

  1. 01

    Upload Documents

    Presented documents and the related credit content are brought into a secure workspace.

  2. 02

    Content is Structured

    Document types and fields are converted into a form usable for examination.

  3. 03

    Compared Against Conditions

    Document content is evaluated in the context of the credit text, UCP 600, ISBP 821 and relevant ICC opinions.

  4. 04

    Cross-checked

    Names, dates, amounts, routes and related fields are cross-checked across documents.

  5. 05

    Findings Presented

    Potential discrepancies are presented to the expert with reasoning and an evidence trail.

  6. 06

    The Expert Decides

    The expert accepts, rejects or resolves each finding with a note.

Frequently Asked Questions

Share your institution's document types, examination flow, security requirements and integration needs; our team will contact you with the right solution and evaluation scenario.

Does TradeComplize only read the data in documents?

No. Beyond structuring document content, the system evaluates against the credit conditions, the relevant rule sets and the relationships between documents.

Can it work with different document formats?

TradeComplize uses an approach designed to understand document type and context even when the same information appears in different layouts and formats. Contact our team for the current list of supported formats.

Does the system make the final decision?

No. TradeComplize is a decision-support platform: it presents findings with their reasoning and flags areas open to interpretation. The final assessment, in line with institutional procedures, rests with the authorised expert.

Can we add our institution's own rules?

A bank's internal practices and specific control rules can be included in the solution flow. Scope and change management are defined during implementation.

Document Examination & Discrepancy Detection

Let's Assess Your LC Workflow Together

Share your institution's document types, examination flow, security requirements and integration needs; our team will contact you with the right solution and evaluation scenario.

Request a Demo

What the call covers

  • Solution scope for your institution
  • Deployment and data-residency options
  • Integration and implementation steps