AMS & reconciliation
Does your AMS actually reconcile commissions?
Short answer: it posts commissions; it doesn’t reconcile them. Your agency management system — HawkSoft, AMS360, EZLynx, NowCerts, Applied Epic — records what came in and helps you book it. What it does not do is check, line by line, whether the carrier paid you what your contract actually owed, grade carriers on how often they get it wrong, or build the demand to recover a short-pay.
| The job | Your AMS | Reconciliation |
|---|---|---|
| Post / book commissions | Yes | — |
| Compare paid vs contracted rate, per policy | No | Yes |
| Flag missing renewals & unreversed chargebacks | No | Yes |
| Grade each carrier A–F on accuracy | No | Yes |
| Build a carrier-ready recovery demand | No | Yes |
Why the big vendors won’t close this gap
Applied (Epic) and Vertafore (AMS360) earn revenue from the same carriers that pay your commissions. A feature that grades and fights a carrier on your behalf works against their own partnerships — so it’s a tool they’re structurally unlikely to ship. Reconciliation that holds carriers accountable is the job of an independent, agent-only tool. That’s the gap Cowork Recon was built to fill — alongside your AMS, not instead of it.
Works with a standard commission export from HawkSoft, AMS360, EZLynx, NowCerts and Epic — no AMS password required. See the full reconciliation process or the 7 underpayment patterns it catches.
Reconcile what your AMS won’t.
Upload a commission export + a carrier statement and see every variance your AMS never flagged. Free first audit, no card.