The majority of models of wavefront propagation in cardiac tissue have assumed relatively simple geometries. Extensions to complicated three-dimensional (3-D) representations are computationally challenging due to issues related both to problem size and to the correct implementation of flux conservation. In this paper, we present a generalized finite difference scheme (GDFS) to simulate the reaction-diffusion system on a 3-D monolayer of arbitrary shape. GDFS is a vertex-centered variant of the finite-volume method that ensures local flux conservation. Owing to an effectively lower dimensionality, the overall computation time is reduced compared to full 3-D models at the same spatial resolution. We present the theoretical background to compute both the wavefront conduction and local electrograms using a matrix formulation. The same matrix is used for both these quantities. We then give some results of simulation for simple monolayers and complex monolayers resembling a human atria.