Do not overwrite the source
Imported bank transactions should remain immutable. Enrichment, matching decisions and corrections belong in related records. This preserves the original feed for audit and avoids disputes when a payment is later questioned.
Matching is a rules engine, not a single lookup
The first match may use variable symbol, invoice number or account reference. The second may need amount tolerance, currency, date window or customer identity. Good reconciliation exposes the rule and confidence score instead of silently updating records.
Human review is part of the product
The last one percent matters. Unmatched payments, split payments, chargebacks and duplicate references need a clean review queue with suggested matches and a full audit trail.
Why it belongs near CRM
When payments are reconciled close to accounts, invoices, cases and collections, teams can act faster. Sales sees payment status, service sees risk, and finance keeps control over the ledger-facing process.
Bring the hard part to a senior Salesforce engineering team.