Company Cfo

company-cfo — monthly company CFO workflow

The standing analysis leadership (Matteo) uses to make runway / hiring / director-drawing / spend decisions. Primary cadence is monthly — run on the 1st for the closed prior month. Weekly, scenario, and pickup modes cover the in-between.

Genesys Growth is a single-director UK Ltd (Genesis Growth Ltd, #14363665), GBP base currency, lumpy consulting revenue collected on monthly invoices through Wise + bank. Same discipline as the source skill (transaction-sum EOM, categorization traps, scenario modeling) applied to Genesys books on Xero.

Data-integrity contract (binding — read before any run)

This skill touches real financial data. Accuracy is non-negotiable. It obeys two rules verbatim:

• .claude/rules/financial-data.md — NEVER fabricate, estimate, or hallucinate any figure, client name, amount, or date. Xero MCP is the primary source of truth; Wise CSV exports are the secondary/historical cross-reference — these are the ONLY sources. If both are unavailable or context is lost, STOP and ask ("I don't have access to the source data — connect Xero or share the CSVs"). Never reconstruct from memory. Apply the verified client-name mappings (Granular Insights → Clarisights, Powerplay → Cello, Helium → SmartPricing, 13740668 Canada Inc./Xplenty → Integrate, Simplyk → ClientCo, Octave Technolog → Voiceflow, Raised Networks → Nimbus) when parsing Wise Source name / Target name. Watch the red flags: any client list built without reading the source, any "approximate" figure, any two clients merged, any client not in source data → STOP.
• .claude/rules/pii-redaction.md — before any report is stored or shared, redact PII (end-client contact names, emails, account/sort-code numbers, IBANs). Keep the signal (client company, category, amount, deal context); mask the identity. The report lands in projects/genesys/goals/ and may be pushed to GDrive — redact before both.

Xero access is READ-ONLY. This skill only ever calls: list-bank-transactions, list-payments, list-invoices, list-profit-and-loss, list-accounts, and the read reports list-report-balance-sheet, list-trial-balance, list-aged-receivables-by-contact, list-aged-payables-by-contact, list-organisation-details. It NEVER calls any create-* or update-* Xero tool. Xero is not a paid-credit MCP — reads are free — but the read-only boundary is a hard rule regardless.

When to run / when NOT

Run when: "run the CFO snapshot", "monthly close", "where's our cash", "what's runway", "model hiring a contractor", "cash pulse". Do NOT run for: an ad-hoc single-number lookup (query Xero directly); tax filing or accounting treatment (refer to the accountant — this is operational cadence, not statutory accounts); fundraising projections (different discipline).

Step 0 — Load context + prior run

Before any work, read in order:

1. .claude/rules/financial-data.md — the data-integrity guardrails above. This governs HOW figures are sourced.
2. The most recent CFO report in projects/genesys/goals/ (e.g. MMYY-cfo-monthly.md) — last month's snapshot: what was decided, what stayed open, the categories in use.
3. projects/genesys/goals/0226-fy-analysis.md + goals/0226-scope.md — FY targets, pacing, prior full-year actuals for trend context.
4. projects/genesys/latest.md + history.md — running narrative: known anomalies, current client roster, churn state.

Do NOT assume continuity from memory or training data — always read the prior report + Xero first.

Step 1 — Parse mode

Sections below walk monthly in detail. Weekly, scenario, and pickup are summarized at the end.

Monthly workflow

Confirm with the user: which month are we reporting on? (Default: prior calendar month.) Then walk the phases, pausing to confirm before each.

Phase 1 — Pull source data (Xero read-only + Wise)

For the target month:

Wise CSVs live at projects/genesys/goals/0226-wise-source-data/FY-*.csv (FY-25-26 = current). The export schema is a Wise Business transfers file: ID, Status, Direction, Created on, Finished on, Source name, Source amount (after fees), Source currency, Target name, Target amount (after fees), Target currency,..., Category, Note. Use GBP base-currency amounts for all cash analysis (see the currency-mismatch trap).

If Xero is unreachable (401 / expired token): do not proceed on Wise alone silently — flag it, refresh Xero per reference_xero_mcp_refresh.md, and note in the report which figures are Wise-only vs Xero-reconciled. If both are unavailable → STOP and ask.

Phase 2 — Categorize and reconcile

Bucket all cash outflows into the locked Genesys category set (see the premium reference for the full set + fiscal-year lock discipline). The core categories:

revenue (client fees, net of fees/FX) · director-remuneration (PAYE salary + dividends) · team (contractors/VAs + any payroll) · software (SaaS subscriptions — the tool stack) · professional-services (accountant, legal) · taxes (Corporation Tax, VAT, PAYE/NIC) · other.

Run the universal traps every month (full list in the premium reference):

• Currency mismatch — Wise multi-currency: clients pay in USD/EUR/GBP. Always use the base-currency (GBP) amount, never the counterparty-currency amount. Xero revalues foreign balances to GBP at period end (unrealized FX) — the FX revaluation line is a known reconciliation item, not a real cash flow.
• Cash-vs-credit double-count — do not count both a card autopay outflow AND the individual card charges. Pick cash accounts as the source of truth; treat the card as a debt account.
• Internal transfers — GBP↔USD↔EUR moves between Genesys's own Wise balances net to zero. Exclude them.
• Taxes held vs paid — VAT collected sits in cash until the quarterly payment; Corporation Tax accrues but leaves cash ~9 months after year-end. Categorize by when cash actually moves, and note reserves separately so runway isn't overstated.
• Director-drawing check — verify the expected monthly salary + any planned dividend actually went out. If a draw was deferred to preserve cash, flag it (don't read the absence as a cost decrease).

Cross-checks before writing: payments received in Xero ≈ Wise + bank inflows (within collection timing); P&L category totals ≈ summed bank-transaction categories (within cash-vs-accrual lag).

Phase 3 — Compute EOM cash (transaction-sum method)

Non-negotiable. Full recipe in the premium reference. The discipline: never trust a single balance number — compute EOM two independent ways and reconcile to the penny.

# 1. From opening balance at period start (Xero balance-sheet as-at the start date),
# sum all signed bank movements (list-bank-transactions + list-payments applied to
# bank) for each cash account through date T:
# balance_at_T = opening_balance + sum(movements where date <= T)
# 2. Sanity check: balance_at_T must equal Xero's reconciled cash-at-bank on the
# balance sheet as at T (list-report-balance-sheet, date=T) — Xero's ledger is the
# authoritative reconciled figure, the role the bank API's available_balance plays
# in the source method. They must agree to the penny (allowing the flagged FX
# revaluation line for multi-currency Wise balances).
# 3. Independent cross-reference: sum Wise CSV rows (Finished on <= T, base-currency
# amount) for the Wise-held accounts. Must reconcile within known timing lag.
# 4. Month-over-month: prior-month EOM + this month's net cash change == this-month EOM,
# to the pound.

If the two computations do not reconcile, STOP — do not ship. Investigate: an unreconciled bank line in Xero, a missing account, FX revaluation, a paging/timeout on the transaction pull, a Wise transfer not yet in Xero. A silent reconciliation gap propagates into every downstream chart and forecast. (A ~$42K walkback error once ran for weeks in a production CFO workflow before a month-over-month check caught it — hence this method.)

Phase 4 — Update the scenario projector

Update the forward projector that projects EOM cash N months out under adjustable assumptions (revenue growth, contractor hire, spend changes). Structure + reference implementation in the premium reference: trailing 3 closed months (HISTORICAL) → TODAY (actual cash) → Mo 1 (current month, partial) → Mo 2–7 (scenario settings apply). Each month: starting + revenue − expenses = profit → ending.

Update each run: append the just-closed month to HISTORICAL (drop the oldest); set startingCash to today's actual reconciled balance; refresh category baselines to actuals, not safe estimates; set baselineRevenue net of Wise/processor fees; verify presets still hold.

Phase 5 — Write the snapshot report

Write projects/genesys/goals/MMYY-cfo-monthly.md (MMYY = reported month) per the output format below. Include the plain-English "why" paragraph — what happened this month vs last, with continuity ("the [client] churn from last month finished hitting collections in June"). Redact PII per the contract before saving.

Phase 6 — Update running context

If any of these shifted, update projects/genesys/latest.md + append to history.md: client roster / churn, MRR-equivalent recurring revenue, director-drawing or comp change, a new cash-floor constraint, a new recurring cost. Replace stale facts; don't append indefinitely. Log a [COST] line to history.md if the run used a sized agent fan-out (per cost-budget-discipline.md).

Phase 7 — Review + route (no git for raw data)

• Raw exports never get committed. Wise CSVs already live in the repo (they're the curated source); any new raw Xero dump or intermediate pull is financial PII — keep it out of git per .claude/rules/storage-policy.md. The committed artifact is the redacted report only.
• Route the report to projects/genesys/goals/ (Genesys-internal financial home, alongside the FY analysis + Wise source data).
• Push to GDoc for review per .claude/rules/gdrive-protocol.md (--client genesys-growth) only after PII redaction.

Weekly cash pulse mode

Thin — fits a 15-minute check.

1. Pull current reconciled cash (list-report-balance-sheet / list-accounts).
2. Pull last 7 days of movements + next 7–14 days of known outflows (salary, VAT/tax due, contractor invoices) and expected inflows (list-aged-receivables-by-contact).
3. Compute: current cash, next outflow (date + amount), next expected collection (date + amount).
4. Flag if cash < next 2 weeks of outflows (cash-floor watch — the floor applies to the intramonth LOW, not the EOM high).
5. One-line: Cash £X | Next out £Y on <date> | Next in £Z on <date> | Floor: OK|WATCH|BREACH.

Save to projects/genesys/goals/MMYY-cfo-weekly-WW.md. Pair with /schedule for a Monday-morning run.

Scenario mode

Ad-hoc — "what if I bring on a £4K/mo contractor in September" or "what if a £6.5K client churns". Open the projector, adjust the knobs, capture the resulting cash curve. Save to projects/genesys/goals/MMYY-cfo-scenario-{slug}.md.

Pickup mode

Resume the prior run. Surface: most recent monthly report + weekly pulse, the reported month's open items (), current-narrative from latest.md. Re-read the source before continuing — never assume continuity.

Reconciliation self-roast (run before the report ships)

• Every figure traces to Xero or a Wise CSV — zero invented / "approximate" numbers.
• EOM computed two independent ways (transaction-sum vs Xero balance sheet) and they reconcile to the penny (FX revaluation line flagged, not silently absorbed).
• Month-over-month: prior EOM + net change == this EOM, to the pound.
• Client-name mappings applied to all Wise Source/Target name fields.
• Categories match last month's exactly (fiscal-year lock) — any change documented in the "why" paragraph.
• Currency: all amounts in GBP base; no counterparty-currency amounts leaked in.
• Tax reserves (VAT held, Corp Tax accruing) noted separately — runway not overstated.
• PII redacted before save + push.
• Any unreconciled gap → STOPPED and investigated, not shipped.

If any check fails, fix or STOP before the report ships. These data-integrity gates are the review gate for this skill.

Genesys CFO snapshot — {Month YYYY}

TL;DR

Cash in — by source

Cash out — by category (director-remuneration / team / software / professional-services / taxes / other)

Revenue metrics — active clients, recurring revenue Δ, recent churn (client + £)

Tax + reserves — VAT held, Corp Tax accruing, PAYE

Forward projection — 1-3 scenarios from the projector

Recommended actions — concrete decisions for leadership

Open items — to resolve next month

Why — plain-English narrative of what moved and why

## Notes on quality

- **Never invent methodology or figures.** Trust Xero + Wise; if undocumented, ask — don't guess (`financial-data.md`).
- **Transaction-sum is non-negotiable.** Walkback from one balance snapshot has burned CFO workflows repeatedly. Compute two ways, reconcile, STOP on a gap.
- **Categorization discipline > precision.** Same categories every month = trend-readable. Lock for the fiscal year (Sep–Aug).
- **Baseline to actuals, not safe estimates.** A software line modeled at £600 when actuals run £900 makes optimistic projections that break.
- **Revenue is net of Wise/processor fees + FX**, not gross.
- **Cash floor applies to the intramonth LOW**, not the EOM high — consulting collections are lumpy; cash dips between invoice runs.
- **When numbers don't reconcile, stop.** Don't ship a report with an unexplained gap.

## Attribution

Adapts the transaction-sum EOM-cash method + scenario projector from [`coreyhaines31/makerskills/company-cfo`](https://github.com/coreyhaines31/makerskills) (MIT, © 2026 Corey Haines), accessed 2026-07-08. Re-tooled onto Xero MCP (read-only) + Wise CSVs; bound by financial-data.md + pii-redaction.md.