SystemMGA & Delegated Authority

Claims Bordereaux

Claims Bordereaux & TPA Oversight

Every TPA claims bordereau checked against authority and reserves, with leakage flagged each month.

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SystemA crew of agents runs a whole process; people decide.
6specialist agents
4kinds of input
Soonfilm in production
The problem

Why it matters

Claims bordereaux arrive late and in many layouts; carriers review a quarterly sample, so payments above authority, duplicates and stale reserves are found long after the money has gone.

What it does

How the solution handles it

Six agents read each claims bordereau, check every line against the TPA’s settlement authority, track reserve movement, catch duplicate payments and large losses that should have been notified, and draft a cited oversight pack. The claims oversight manager decides what to escalate and signs.

How it works

How a claims bordereau moves

Six specialist agents read and check every TPA claims bordereau; a claims oversight manager decides each escalation.

What comes in
Claims data in4 sources · bordereaux, advices, ledgers
Agents at work
Claims bordereau readerany TPA layout
Then
Authority limit checkersettlement limits
Reserve movement analystswings and stale
Duplicate payment detectorsame payee, same loss
Then
Large-loss notifiernotice thresholds
Then
Oversight report writercited findings
A person decides
Claims oversight managerdecides and escalates
What comes out
TPA scorecard
Escalation log
Signed oversight pack
In and out

What it reads, and what it hands back.

What goes in

  • Monthly claims bordereau
  • Claims authority agreement
  • Large-loss advices
  • Payment and reserve ledgers

What comes out

  • TPA scorecard
  • Escalation log with source rows
  • Reserve movement report
  • Signed oversight pack

Who uses it

COClaims oversight managersDCDelegated claims auditorsLCLead claims adjustersPMProgram managers
What it changes

The difference, in numbers.

Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.

target
2hrs
per TPA bordereau, from receipt to cited findings
By hand1–2 days
With agents≈ 2 hrs
target
12months
of claims bordereaux reviewed in full, not a quarterly sample
Every month
every claim line
target
Every
claim paid above the TPA’s authority flagged with its source row

Lloyd’s requires coverholders and TPAs to report claims data to underwriters · “Target” = design goal, measured in the live solution · agents = the live solution’s configuration

Built on the engine

6 specialist agents. One person decides.

Claims bordereau readerany TPA or coverholder layout
Authority limit checkerpayments above delegated limits
Reserve movement analystlarge swings and stale reserves
Duplicate payment detectorsame payee, same loss, same sum
Large-loss notifierlosses that needed early notice
Oversight report writercited monthly oversight pack
Claims oversight managerdecides and escalates

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