For Reinsurance Brokers
Submit Accurate Bordereaux.
Protect the Relationship.
CedeOS validates every cedant bordereaux before placement — catching the errors that damage reinsurer relationships and trigger post-submission debit notes.
The placement reality
Three costs. One submission. Every quarter.
The Debit Note
Your cedant sends a bordereaux. You submit it. The reinsurer finds a cession rate discrepancy in row 847 and issues a debit note. Your cedant disputes the figure. You are now managing a 3-month resolution cycle for an error that existed in the source data before you ever opened the file. The reinsurer remembers. The renewal conversation begins from a position of deficit.
3-month dispute cycle per debit note — Broker positioned as responsible for cedant error
TAM Review Overhead
Your technical account manager receives bordereaux from cedants in Nairobi, Lagos, and Dubai. Each arrives in a different format: Excel, PDF, ACORD. Each requires manual preparation before review can begin. That preparation takes 2 days per submission. Row-level errors in currency conversion and treaty application are still missed. The TAM is reviewing format, not accuracy.
2-day TAM overhead per submission — Systematic row-level errors survive manual review
Relationship Damage at Renewal
The treaty says transaction-date central bank rates. The bordereaux uses month-end rates. On 400 rows across a quarter the difference is material. The reinsurer finds it at renewal. The placement discussion begins with a query about last year's figures. The relationship that took three years to build is now a negotiation about who made the error and who absorbs the correction.
Currency conversion errors accumulate silently — Discovered at renewal, not at submission
All metrics methodology-backed. Sources cited per metric.
Validated outcome
Placement accuracy is measurable. Here is the evidence.
“Nairobi-based Lloyd's broker: zero post-submission debit notes in pilot period. Error rate eliminated at submission. Reinsurer received accurate bordereaux on every cedant submission across the pilot quarter.”
Former Placement Director · East African Reinsurance Broker
Anonymized per D-04 protocol. Identity available under NDA for qualified enterprise evaluators. Pilot outcome from CedeOS bordereaux validation deployment, Q1 2025.
Nairobi-based Lloyd's broker pilot. Error rate eliminated at submission stage.
How it works
Validation at every stage of the placement workflow.
Bordereaux Validation
Every cedant bordereaux row validated before it reaches the reinsurer. Cession rates, currency dates, policy status, treaty application, reinstatement calculations — five error categories checked automatically. The submission that arrives at placement is accurate.
Learn moreMulti-Format Ingestion
Your cedants send Excel, CSV, PDF, ACORD, email attachment. CedeOS normalises every format automatically — 40+ column naming conventions handled at ingestion. Your TAM reviews validated data, not source files.
Learn moreTreaty Validation Engine
Treaty clauses extracted and applied row by row. Currency conversion checked against the applicable rate basis. Aggregate retention monitored. When the reinsurer queries a figure, the treaty clause citation is already in the audit log.
Learn morePlacement Audit Trail
Every validation decision logged with input values, output values, and governing rule. The reinsurer queries a figure from a submission filed 90 days ago. The answer is one click, not a three-week investigation.
Learn moreYour markets
Built for the markets where you place risk.
CedeOS covers the regulatory frameworks relevant to African, Middle Eastern, and Asian reinsurance placements. The cedant bordereaux is validated against the applicable framework before it reaches the reinsurer — so the submission is compliant on arrival.
IRA Kenya
KenyaQuarterly XML format validated before submission. Cedant bordereaux compliant with Kenyan insurance authority requirements on arrival at the reinsurer.
NAICOM Nigeria
Nigeria40% minimum retention requirement checked on every bordereaux row. Cession rate errors caught before the reinsurer calculates a shortfall.
FSCA South Africa
South AfricaPOPIA-compliant data handling. South African cedant data processed in-country by architecture. Reinsurer submissions IFRS 17 traceable.
SAMA Saudi Arabia
Saudi ArabiaTakaful-aware validation. In-country data processing for Saudi-domiciled cedants. SAMA-compliant submission format applied automatically.
DIFC / UAE
UAEIn-country data residency by architecture. Submission validation for regional reinsurance placements from the UAE and GCC markets.
SECP Pakistan
PakistanCedant bordereaux validated against Pakistani reinsurance framework requirements. Placement submissions formatted for local reinsurer acceptance.
What happens next
From first conversation to validated placement cycle.
Discovery Call
We understand your current bordereaux workflow, the cedant submission formats you manage, and the placement relationships most exposed to data quality risk. No pitch until we understand your context.
Technical Assessment
We map your cedant data flows, identify systematic error categories in current submissions, and calculate the TAM overhead CedeOS eliminates. Written assessment delivered regardless of whether you proceed.
Pilot
Your actual cedant bordereaux through the validation platform. Every error category surfaced before submission. Audit trail generated. You see the outcome on your own data before committing to production.
Production
First validated placement cycle on CedeOS infrastructure. Cedant submissions normalised and validated automatically. The reinsurer receives accurate data on every submission from day one.
The reinsurer should receive accurate data. Every submission.
Start with the Technical Brief. Move to a pilot assessment when ready.
All engagements begin with a discovery call. No commitment required until you have seen the validation outcome on your own cedant bordereaux data.