Skip to content
UltimateTeam.ai Docs

CFO — Chief Financial Officer

The Chief Financial Officer (CFO) runs on the Sonnet (workhorse) model tier at 5 credits per call. The CFO is the cash-flow guardian: day-by-day runway projection, daily actionable cash recommendations, emergency survival-mode activation, invoice acceleration with FDCPA Regulation F compliance, in-call payment collection via Retell + Stripe, cost-savings discovery, financial reporting, and tax optimization.

Day in the life

Each day opens with runway computation: a 90-day day-by-day cash projection from current balance and burn rate, classified as healthy (90+ days), comfortable (60-90), cautious (30-60), critical (14-30), or emergency (<14). When the classifier returns emergency, the CFO alerts the CEO over the message bus and unilaterally activates survival mode — freezing non-essential spending, prioritizing collections, and producing an emergency stabilization plan.

Daily cash actions are 1-3 specific, concrete moves — never advice — covering receivables to collect, costs to reduce, and revenue to accelerate with exact amounts and contacts where available.

Invoice acceleration runs the FDCPA Regulation F frequency gate before the platform’s internal 72-hour spacing rule, because Reg F carries per-call statutory damages under 15 U.S.C. § 1692k that are stricter than internal policy. When a client passes both gates, the CFO generates collection emails and early-payment discount offers with the mandatory AI disclosure footer.

For overdue invoices that warrant escalation to voice, the CFO routes through RetellCallService for invoice follow-up calls — again gating on Reg F before the Retell client is even instantiated. When a customer pays during the call, the platform’s INVOICE_PAID_IN_CALL event handler invalidates the runway cache and writes a confidence=1.0 decision record that ties the Stripe webhook, the Retell call, and the closed invoice together for the attribution pipeline.

The CFO also runs cost-savings discovery (overlapping subscriptions, better vendor rates, unused services), financial reports with trend analysis and anomaly detection, and tax optimization with deduction identification and CPA-review flags. Tax optimization output is appended with a financial disclaimer making clear the analysis is AI-generated and not professional advice.

Tools

Tools are registered via register_finance_tools in src/agents/finance/tools.py.

  • RegulationFGate.check — FDCPA 7-in-7-day frequency gate that runs before any collections contact; blocks with statutory-damages-grade precision.
  • ContactTimelineService.check_spacing / record_touch — Internal 72-hour cooldown for invoice reminders, layered after Reg F.
  • RetellCallService.create_phone_call — Voice path for invoice follow-up calls; TCPA quiet-hours and autonomy check enforced inside the service.
  • RunwayCalculator.invalidate_cache — Called by the INVOICE_PAID_IN_CALL handler so the next dashboard read recomputes immediately.
  • _estimate_runway_days — Cash divided by daily burn; returns -1 sentinel when burn rate is unknown rather than guessing.
  • _alert_survival_mode / communicate(to_role="ceo", ...) — Cross-agent alert when runway crosses the 14-day floor.
  • quality_gate — Validates every external-facing CFO output (collection emails, financial reports) before delivery.
  • call_performance_metrics — Returns raw + emotion-adjusted resolution rate side by side so headline numbers stay honest.

Decision patterns

These are the entries in _TASK_DISPATCH (also exposed as CFOAgent.TASK_HANDLERS) inside src/agents/finance/agent.py.

  • runway_computation — Triggered daily; auto-fires survival_mode when runway is <14 days.
  • daily_cash_actions — Triggered daily; produces 1-3 concrete actions, not advice.
  • survival_mode — Triggered by runway_computation when emergency classified; alerts CEO and freezes non-essential spending.
  • invoice_acceleration — Triggered by overdue-invoice events; gated by Reg F then internal cooldown.
  • invoice_followup_call — Voice path; same Reg F + TCPA gates plus Retell voice_config validation.
  • cost_savings_discovery — Triggered weekly; surfaces overlapping subscriptions and vendor-rate improvements.
  • financial_reporting — Triggered weekly/monthly; report types include P&L, cash flow, and full unit economics.
  • tax_optimization — Gated to Professional+ via REVENUE_ENGINE_FULL; output includes an AI-not-professional-advice disclaimer.

Escalation criteria

  • FDCPA Reg F limit reached for the contact (7 contacts in rolling 7-day window) — call/email blocked with reason="reg_f_limit_reached".
  • Internal 72-hour cooldown active for the client — reminder deferred.
  • Burn rate unknown — _estimate_runway_days returns -1 and the CFO declines to compute runway rather than guess.
  • Runway <14 days — survival mode activates and CEO is alerted; many spend categories require chairman approval until restored.
  • Tenant plan lacks REVENUE_ENGINE_FULL for tax optimization, advanced financial analysis — handler returns feature_gated.
  • TCPA quiet-hours apply for the recipient’s timezone — voice blocked.
  • voice_config incomplete (retell_agent_id, retell_voice_id, from_number) — voice call refused before dial.
  • Action would exceed the CFO’s daily budget cap.
  • Quality Gate flagged the output and auto-revise failed.

Example outputs

[Runway projection — 2026-04-25]


Cash on hand:        $148,200
Monthly burn:         $42,300
Daily burn:           $1,410
Runway:               105 days  →  STATUS: healthy


Trajectory: stable; no survival-mode trigger.
Next checkpoint: 2026-04-26 06:00 UTC.
[Daily cash actions — 2026-04-25]


1. CALL Acme Co (invoice #INV-2102, $12,400, 18 days overdue).
   Last contact 4 days ago. Reg F: 1/7 in window — clear to call.
2. CANCEL duplicate Datadog seat (3 unused, $1,470/yr saving).
3. ACCELERATE Stripe payouts to daily ($0 cost; +1.5 days runway).
[Invoice acceleration — INV-2118]


Subject: A small ask about INV-2118


Hi Priya,


INV-2118 ($8,950) hit its due date last Tuesday. If now's a tough
week I can split it across two payments — just say the word.


Otherwise, paying via the link below by Friday gets you a 1.5%
early-pay discount we set aside for repeat customers.


[Pay invoice →]


— Sent on behalf of {founder_name} by their UltimateTeam.ai CFO agent.


This is AI-generated financial analysis, not professional financial or
tax advice.

Sourced from src/agents/finance/agent.py, src/agents/finance/in_call_payment.py, src/agents/finance/voice_prompts.py, and src/agents/finance/capabilities.py. Last reviewed: 2026-04-25.