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Delegated Authority Data Control

Policies, claims, and premium rarely arrive in the same shape. We build the layer that reconciles them before reporting depends on them.

solution / delegated-authority-data-control

Engineering blueprint

LAYER 01Existing systemsIntegrated, not replaced

Policy adminBordereauxClaims / TPAFinanceReinsurance

LAYER 02Governed policy dataCanonical, with lineage

InsuredsPoliciesPremiumClaims

LAYER 03KBSIntel data-control layerValidation & reconciliation

ValidationIdentity resolutionException queues

LAYER 04Decisions & intelligenceBuilt on governed data

Coverholder qualityPremium varianceReporting readiness

Problem

Delegated authority programs depend on data from coverholders, brokers, and TPAs in different formats and schedules. Each cycle, teams reconcile bordereaux against policy admin and finance in spreadsheets.

Example

A bordereau lists a policy missing from the PAS, an endorsement date that conflicts, and premium that does not tie to finance.

Governed object · Policy

Insured
Policy
Endorsement
Location
Premium
Claim
Commission
Coverage period

Where the systems disagree

Missing from bordereau
Missing from PAS
Premium variance
Unmatched claim
Commission conflict
Date inconsistency

What we build

A data-control layer that validates and reconciles each submission before it reaches reporting.

Bordereau, TPA, and ACORD ingestion
Validation rules per coverholder
Policy identity across PAS, claims, and finance
Premium and commission reconciliation
Exception queues with coverholder feedback

Controls

Validate required reporting fields
Reconcile bordereaux against the PAS
Tie premium and commission to finance
Match every claim to a governed policy

Intelligence

Exception rate by coverholder
Data-quality trends by product
Recurring claims-matching failures
Reporting readiness

What we'd measure

Submission exception rate
Unreconciled premium value
Claims without a policy match
Time from submission to reporting-ready

Start with one problem. Engineer the right solution.

Manual work, systems that don't talk, data nobody trusts. We trace it to the source and ship the fix into production.