For MGAs & TPAs
Eight Cedants. Eight Formats.
One Operations Team.
CedeOS normalises whatever your cedants send and validates every row before submission — 40+ column naming conventions handled automatically.
The operations reality
Three costs that grow with every cedant you add.
Format Normalisation Overhead
Your operations analyst spends 35 hours per week converting cedant data into a format your systems can validate. One cedant sends PDF. One sends Excel with columns that shift quarterly. One mixes Wakala and conventional risks in the same rows with no separation flag. Every new cedant onboarding cycle requires a new mapping exercise. The analyst cost per cedant onboarding is not tracked — because if it were, the number would be difficult to justify.
35 hrs/wk analyst time on format conversion — Source: MGA pilot operations log
Cedant Onboarding Friction
Each new cedant relationship requires two to four weeks of manual work before the first validated bordereaux can be submitted. The operations team builds a bespoke column mapping, tests it against sample data, discovers mid-quarter that the cedant changed their extract format, and rebuilds. Operations overhead grows linearly with cedant count. The business cannot scale the portfolio without scaling the team.
2–4 weeks per cedant onboarding — Format-change rebuilds consume analyst capacity each quarter
Submission Accuracy at Scale
Across eight cedants, the bordereaux cycle produces eight separate manual validation passes. Cession rate errors, currency conversion mismatches, and policy status discrepancies survive the process because the analyst is managing format, not accuracy. The reinsurer queries arrive quarterly. Resolution cycles last three to four weeks. Each cycle consumes operations capacity that should be managing cedant relationships.
3–4 weeks per reinsurer query cycle — Operations overhead compounds across cedant count
All metrics methodology-backed. Sources cited per metric.
Pilot outcome
Gulf-based MGA, 6 cedants: analyst time per bordereaux cycle reduced from 35 hours per week to 4 hours per week. Format normalisation and Wakala/Mudaraba separation handled automatically at ingestion. Operations team redirected from data preparation to cedant relationship management.
Advisory
Former COO · Gulf-based MGA · UAE
Validated metric
35→4
Analyst hours per bordereaux cycle
Pilot operations log. Gulf-based MGA, 6 active cedants. Q1 2025.
Takaful — native
Takaful is not an edge case in your markets. CedeOS treats it as designed behaviour.
In the Gulf, Pakistan, and East Africa, Wakala and Mudaraba structures require separate pool calculations and different regulatory treatment. Manual separation is a 3-day exercise each quarter — for every cedant that writes Takaful business.
Wakala & Mudaraba at Ingestion
CedeOS identifies Takaful structure from policy data at the ingestion layer — before validation, before submission. Wakala and Mudaraba risks are separated automatically. Separate pool calculations applied. Three days of manual separation per quarter becomes three minutes.
Mixed Bordereaux, Clean Submissions
Your cedants submit mixed Takaful and conventional business in the same file. CedeOS separates them, validates each pool independently, and produces distinct submissions. SAMA and SECP requirements applied natively — not as a post-processing step.
Gulf & Pakistan Market Coverage
In the Gulf, Pakistan, and East Africa, Takaful and conventional business coexist in the same portfolios. CedeOS was built for this reality. The ingestion engine handles Takaful as standard behaviour — not a configuration option your operations team maintains manually.
Regulatory Treatment by Structure
SAMA Saudi Arabia and SECP Pakistan have distinct regulatory requirements for Takaful submission formats and retention calculations. CedeOS applies the correct regulatory treatment per structure at generation — your compliance manager does not maintain separate checklists.
How it works
Ingestion, normalisation, and validation in one operations layer.
Multi-Channel Ingestion
Five ingestion channels: email, Excel, CSV, PDF, API. 40+ column naming conventions normalised to one schema automatically. Your cedants continue sending data in whatever format they have. CedeOS handles the normalisation at ingestion — your operations team receives a standardised data set, not a collection of source files.
Learn moreBordereaux Validation
Every row from every cedant validated against applicable treaty rules before submission. Cession rates, currency conversion dates, policy status, treaty application, reinstatement calculations — five error categories checked automatically. The submission that reaches the reinsurer is accurate on arrival.
Learn moreCompliance by Framework
IRA Kenya, NAICOM Nigeria, FSCA South Africa, SAMA Saudi Arabia, SECP Pakistan — the frameworks relevant to your cedant base monitored automatically. Filing formats generated for direct submission. Your compliance manager does not maintain separate checklists for each jurisdiction.
Learn moreOperations Audit Trail
Every transformation logged with input values, output values, and governing rule. When the reinsurer queries a figure from a submission filed 90 days ago, the answer is one click — not a three-week investigation through manual preparation records.
Learn moreWhat happens next
From operations discovery to first validated bordereaux cycle.
Operations Discovery
We map your current cedant bordereaux workflow — how many cedants, what formats they send, how your operations team currently prepares data, and where the analyst overhead concentrates. No pitch until we understand your operations context.
Technical Assessment
We map your cedant data flows, identify format normalisation overhead per cedant, and calculate analyst FTE cost CedeOS eliminates. Written assessment delivered regardless of whether you proceed to pilot.
Pilot
Your actual cedant bordereaux through the platform. Format normalisation, Takaful separation, validation — all on your own data. You see the operations outcome before committing to production. Analyst time reduction quantified on your bordereaux cycle.
Production
First full bordereaux cycle on CedeOS infrastructure. All cedants ingested, normalised, and validated automatically. Operations team redirected from data preparation to relationship management. Analyst overhead tracked against baseline.
Your operations team should be onboarding cedants. Not cleaning their data.
Start with the Technical Brief. Move to a pilot assessment when ready. The reinsurer receives accurate data from day one.
Your next quarterly close should take 3 hours. Start your pilot assessment