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List what you have and what they have, and using comm -23, download what is missing, gives auto recovery after outage.

This code will give you the most recent file based on "mmddyyyy" in the file name:
sed 's/\(.*_\)\(..\)\(..\)\(....\).txt/\4\2\3 &/' input_file | sort -r | head -1 | sed 's/.* //'

input_file:
...

If Perl is acceptable:

perl -MNet::FTP -e'

($host, $user, $pass) = @ARGV;

$ftp = Net::FTP->new($host) or die "$@\n";

$ftp->login($user, $pass) or die...

When a ftp is done, it may not be possible to list the files based on time (creation).

In my opinion best bet is if you can create the file name by appending the date and then ftp(pull) the...