I’ve been using a one-page checklist in Encompass that timestamps final CD receipt, verifies wire instructions via a trusted phone number, and confirms escrow balances to the penny before our 2:30 p.m. Fedwire cut. If it helps, I can share a redacted template — please adapt to your shop’s process and confirm with compliance before relying on it.
I added a 1:45 p.m. Encompass pipeline alert that turns the file row red if the final CD isn’t timestamped and escrow balances aren’t reconciled, which gives us a 45‑minute buffer before the “2:30 p.m. Fedwire cut.” Minor caveat: if your bank batches earlier, I shift the trigger to 1:15 and move the trusted-number callback to CTC — only if compliance signs off.
We lock the wire template in Encompass once the “trusted phone number” verification call log is in the eFolder; any later change to payee or account auto-triggers a compliance condition and pauses funding until a manager clears it. Small caveat: our warehouse bank’s internal cut is 2:05, not the 2:30 Fedwire, so we still aim for 1:45 readiness — belt-and-suspenders.
One tweak that’s helped us: at 11:00 a.m. we run a quick pre-balance in Encompass that stamps a read-only “Wire-Ready ETA,” and if it slips past 1:30 it drops an @funding ping so we can pull docs earlier — like a smoke alarm before lunch. We also require a tiny eFolder note (“read-back of last 4 + callback to published number complete”) before the wire template can be printed; noisy on heavy days, so we only apply it to files closing within 24 hours.