Which failure modes should I test for in a payment matching agent?

Run these failure-mode checks across a task set, because each one points to a different weakness in the agent.

- It allocates to the oldest item by habit when policy says disputed or plan items come last. - It forces a combined payment to reconcile by guessing the split instead of holding it as unapplied. - It applies cash to a look-alike customer with a similar name, reference or amount due. - It ignores credit notes, so the payer's deduction looks like an underpayment. - It posts above an approval threshold without requesting approval from the right role. - It creates a follow-up case with no owner role, reason code or due date. - It repeats a posting when a bank line is retried or duplicated in the feed. - It gives a confident rationale that cites a policy clause that does not exist in the records.