I’m not the OP, but anecdotally as an American who used to work for a Canadian company which handled cross-border payroll by wire from Canada, my experience was for the most part that our payroll person worked her ass off to get everything right each time and that it was quite a significant amount of work. The actual transfers would always settle on the date expected and as expected, but I was always missing $10. I took it as a professional expense (loss) on my taxes, and no one from my bank to TD (the firms bank) could tell me which intermediary was taking a fee. They had tried for years before I came along to get to the root cause of it. All the US based people had the same issue.