Insurance & Reinsurance

Next-generation underwriting &
claims compliance.

Deploy a unified risk decisioning engine across the entire policy lifecycle. Screen global bordereaux, automate claims disbursement holds, and secure broker networks against AML and sanctions exposure.

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High-Volume
Bordereaux screening: Tuned
False-positive control: KYB
Broker vetting: 6AMLD
Framework coverage

Compliance challenges

What keeps your compliance team up at night.

Bordereaux Data Processing

Screening millions of policyholders and beneficiaries via massive monthly bordereaux files without crashing legacy compliance systems or generating unmanageable false positives.

Claims Disbursement Urgency

Executing rigorous AML and sanctions checks on payees at the moment of claim to meet strict SLAs and prevent illicit money flows.

Broker & Third-Party Risk

Automating Know Your Business (KYB) and ongoing monitoring for decentralized networks of independent agents, brokers, and MGAs.

Subrogation & Recoveries

Ensuring complex multi-party recovery operations and reinsurance treaties do not inadvertently execute transactions with sanctioned entities.

on8 solutions

What we actually run for you.

Central Risk Scoring

Coming Q4 2026: one customer risk score across AML, KYC and fraud signals.

Planned: AML outcomes, KYC results and fraud signals roll into one weighted, explainable customer risk score.
Planned: low, medium and high bands with configurable cut-offs that drive onboarding, monitoring and review decisions.
Planned: SmartSanction screening results, including PEP and adverse-media signals, feed the score directly.

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Adverse Media

Adverse-record screening for policyholders, payees and brokers.

Screens against enforcement actions, debarment registers and criminal-allegation records, categorised by predicate offense (fraud, financial crime, environmental crime).
Every hit carries its risk categories and a severity from LOW to CRITICAL, so a review queue sorts itself.
Existing policyholders can be put under monitoring and re-screened daily or weekly, with an alert when a hit appears or changes.

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Regulatory coverage

The rules that govern your business.

Named sources, not a badge wall. Each one is the instrument the obligation actually comes from.

FCA SYSC 6.3 / Financial Crime GuideUK: Systems and controls against financial crime for FCA-authorised insurers and intermediaries.
MLR 2017UK: Customer due diligence obligations for life and investment-linked insurance business.
FinCEN Covered ProductsUSA: Mandatory SAR filing, AML programs, and customer identification for life insurance and annuity products.
EBA ML/TF Risk Factors Guidelines (EBA/GL/2021/02)EU: Risk factors and customer due diligence measures for credit and financial institutions, including life insurance undertakings and intermediaries.

Industry-specific APIPOST /api/v1/insurance/evaluate-claimPLANNED

Request

{
  "claim_id": "CLM-992B-X",
  "policy_type": "MARINE_CARGO",
  "beneficiary": {
    "type": "CORPORATE",
    "registration_number": "GB00000000",
    "name": "Neptune Freight Ltd"
  },
  "payment_corridor": {
    "currency": "USD",
    "destination_country": "ZZ"
  }
}

Response

{
  "evaluation_status": "HOLD",
  "action_required": "MANUAL_EDD",
  "risk_vectors": [
    {
      "vector": "ADVERSE_MEDIA",
      "severity": "CRITICAL",
      "confidence": 0.94,
      "details": "Entity linked to suspected maritime smuggling operations in global press."
    },
    {
      "vector": "JURISDICTIONAL_RISK",
      "severity": "HIGH",
      "details": "Destination country flagged under the tenant's high-risk jurisdiction policy."
    }
  ],
  "clearance_token": null
}

GuideAML Software for InsuranceAML for life insurers and sanctions screening across policies and claims.Read the guide