CedeOS automates reinsurance reconciliation, treaty validation, and regulatory compliance — replacing manual processes with CedeAI that reasons, audits, and reports. Compliance by design. Built for the markets that global platforms ignore.
The problem
Industry average leakage: 2.5% of gross written premium. For a cedant writing $50M GWP, that is $1.25M per year — unrecovered.
Wrong cession rates. Missed reinstatement premiums. Currency errors that compound silently for months before anyone notices.
Your team treats them as PDFs they cannot query. Every clause needs to be enforced against every row. That is not a human job.
IRA Kenya. SAMA. NAICOM. IFRS 17. Each framework demands specific formats, audit trails, and exact timelines. Manual preparation takes weeks.
How it works
Ingest
Email, SFTP, upload, API. Any format. Automatic.
Extract
AI maps every column. Normalises currencies. Confidence scored per field.
Validate
Every row checked against every treaty clause. Math verified. Clause cited.
Review
Chief Actuary reviews exceptions only. One click to approve. Full audit trail.
Report
IRA Kenya. SAMA. NAICOM. IFRS 17. Submission-ready output. Automatically.
The platform
Any format. Clean data. Every time.
AI ingestion that maps column headers across any language, normalises currencies, and extracts clean structured data from Excel, CSV, PDF, or email.
Learn moreEvery clause enforced. Every row validated.
Reads the full reinsurance treaty using PageIndex reasoning-based RAG. Validates cession rates, reinstatement premiums, and exclusions row by row.
Learn moreRegulatory reporting. Automated.
IRA Kenya, SAMA, NAICOM, POPIA, IFRS 17. Generates submission-ready reports automatically for every regulatory framework your operation requires.
Learn moreQuantify what you are owed.
Every discrepancy quantified in local currency and USD. CFO-ready recovery summary. Historical trend analysis by cedant, risk class, and treaty period.
Learn moreEvery channel. One pipeline.
Email, SFTP, dashboard upload, REST API, webhook. Bordereaux arrive how your cedants send them — CedeOS handles every source automatically.
Learn moreImmutable. 7-year retention.
Every AI decision logged with full reasoning trace and clause citation. Tamper-evident chain. Court-ready evidence. Legal defence if any claim is disputed.
Learn moreWho we serve
Validate every bordereaux before it touches your books. Know your exposure. Meet every IFRS 17 deadline automatically.
Solutions for InsurersSubmit cleaner data faster. Prove your value to carrier partners through data quality scores. Reduce carrier queries by 90%.
Solutions for MGAsSingle view of all coverholder submissions. Automated validation before passing to carrier. Complete performance analytics per coverholder.
Solutions for BrokersLatest
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Let us show you what your back-office is missing.
A 20-minute session. No slides. No sales pitch. We run a live reconciliation against your actual data.