Finance and accounting (FAO) business process outsourcing

Stop managing processes. Let agentic AI run your B2C and R2A operations

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Run finance operations at the speed of the business

Finance operations were built for control, accuracy and consistency. Today, they must operate amid constant disruption—but the current operating model falls short. Siloed processes, rigid automation, disconnected data and fragmented AI pilots limit visibility, slow decision-making and shift complexity to people instead of eliminating it.

As exceptions grow across order‑to‑cash, record‑to‑report and compliance, finance teams struggle to scale AI beyond pilots or deliver expected ROI. True transformation requires more than task automation—it demands an AI‑first operating model that embeds intelligence into workflows, orchestrates work end‑to‑end and continuously adapts as business conditions change.

With research‑driven insights and partnerships that scale, IBM Consulting® brings clarity to your digital ambitions. Our consultants help you align strategy with execution and gain tangible value from every byte. The payoff is simple: smarter decisions, faster innovation and a data foundation ready for whatever comes next.

Capabilities

Accelerate bill‑to‑cash outcomes

Shift from task automation to outcome‑driven cash acceleration. Agentic AI workflows orchestrate billing, cash application and dispute resolution end‑to‑end—reducing exceptions, improving working capital and driving more predictable cash outcomes. 

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Record‑to‑analyze built for insights

Move beyond periodic close and static reporting. AI‑embedded processes connect data across systems, automate validation and deliver continuous insight—enabling faster close cycles, resilient controls and forward‑looking analysis that improves forecasting and decisions.

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Autonomous procure‑to‑pay control

Transform procure‑to‑pay with intelligent orchestration across suppliers, platforms and policies. Agentic capabilities improve payment accuracy, manage risk in real time and provide end‑to‑end visibility—scaling operations without increasing complexity or manual oversight.

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FP&A for smarter decisions

Free FP&A from transactional work. Navigate complexity and unify financial data across systems to support consolidation, planning and reporting for faster insights and decision-making.

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Case studies
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Verizon

A strategic partnership transformed international finance operations, improving customer experience and performance through data-driven innovation.

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Cemex

Cemex uses AI and automation to reshape finance and operations, accelerating efficiency, sustainability and enterprise growth.

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Amway

IBM collaborates with Amway to transform global operations with AI‑enabled workflows and scalable business services.

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Strategic partnerships

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Microsoft

IBM Consulting helps clients tailor their Microsoft Cloud journey, with AI, Red Hat® OpenShift® and Cloud Accelerator to drive business success.

Insights

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AI’s impact on the future of finance
Explore how AI is reshaping finance, from automation to intelligence and what leaders must do to unlock value, improve performance and build readiness at scale.
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Operationalizing agentic AI in finance
Learn how finance teams move beyond pilots to deploy agentic AI at scale—embedding intelligence into workflows to improve outcomes, resilience and decision‑making.
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Building strategic agility in finance
Discover how leading finance organizations build agility to respond faster to change, improve decision‑making and turn finance into a strategic advantage.
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The blueprint for agentic operations
AI-first operating model where autonomous AI agents coordinate cross-functional workflows, replacing siloed structures to improve speed, decision-making and operational resilience.

Meet our experts

Khalid Siddiqui

Executive leader with 20+ years of experience in managed services and consulting, specializing in solutions, operations and transformation. Proven track record of delivering USD 2B+ in BPO wins and generating USD 2B+ in customer value. IBM patent holder and early adopter of AI-driven workflows improving order-to-cash efficiency by 50%+. Industry and global experience across North America, Europe, Africa and India.

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Sam Ciruolo

Vice-President and Senior Partner [Delivery] Leader for IBM’s Global Finance Operations. For 30+ years, I’ve collaborated with C-suite leaders to turn finance and accounting into a source of strategic advantage—modernizing operations and embedding automation and AI to deliver measurable results. My current focus is the AI-enabled future of finance—helping leaders apply AI where it creates durable value, not just headlines. 

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Next steps

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