Working in the fintech has opened my eyes to how many shortcomings there really are in banking/ACH. What you describe above is both my nightmare, and my reality

Working in the fintech has opened my eyes to how many shortcomings there really are in banking/ACH. What you describe above is both my nightmare, and my reality. Pipe-delimited flat files being SFTPed via cronjobs overnight. Getting the emails at 5am that balances are off/not reconciled because somehow an errant '|' got into the mix. Additionally, the number of folks that ask for spreadsheets (not encrypted) with your SSN... and then proceed to email that data around (sometimes via Gmail!)