For Reinsurers
Every Bordereaux You Accept Has Errors. Your Team Cannot Check 47,000 Rows.
CedeOS validates every inbound bordereaux against your treaty terms — before it touches your books. Catch cession rate errors, excluded risks, aggregate breaches, and overpayment exposure across your entire cedant portfolio. Automatically.
Inbound bordereaux
CedeOS
Your inward book
USD 23K overpayment prevented
All clauses satisfied
USD 41K held for review
Motor class removed
All clauses satisfied
11
errors corrected
USD 64K
overpayment prevented
4/5
cedants clean at booking
Validated before booking · Treaty clauses applied · af-south-1
Your Inward Portfolio
You assume risk based on data you cannot verify.
Every quarter, your cedants submit bordereaux containing systematic errors that pass every manual spot-check. You discover them at commutation — or never.
47,000 rows. 14 cedants. One actuary.
Your cedants submit bordereaux in different formats every quarter. Column headers change. Takaful and conventional arrive unseparated. Your inward team spot-checks totals against treaty limits — they cannot check every row against the 80-page treaty they underwrote. You accept figures that contain systematic errors and book them as accurate.
47,000 rows per quarter · 14 cedants · 80-page treaty per programme
You are paying claims on risks you never agreed to assume.
A policy excluded under the treaty was included in the bordereaux. A cession rate does not match the treaty schedule. A risk class coded incorrectly means you're assuming motor at the property rate. You discover this 12-18 months later. The cedant cannot reconstruct the original data.
Overpayment exposure: proportional to 2.5% average GWP flowing unchecked
The dispute costs more than the money.
A debit note issued 9 months after acceptance does not recover money. It damages trust. The cedant cannot explain the discrepancy because the analyst who prepared the submission has left. The renewal conversation is no longer about growth — it's about the last debit note.
3-14 week resolution cycle · The renewal you do not win
The Advantage
For the first time, validate BEFORE you accept.
Every reinsurer in Africa and Asia currently books inbound bordereaux on trust. CedeOS gives you the infrastructure to verify treaty compliance at the point of receipt.
Pre-Acceptance Validation
Every inbound row validated against YOUR treaty before booking. Errors caught at intake — not at commutation.
Cedant Data Quality Scoring
Track submission quality by cedant over time. Know which relationships consistently submit clean data — and which carry chronic error patterns.
Claims Validation
Before paying a claim, verify the underlying policy was correctly ceded under the treaty. If it wasn't in scope, you shouldn't be paying.
Zero Debit Notes
When errors are caught at intake, the debit note is never issued. The relationship is preserved. The renewal conversation stays on growth.
Projected Outcome
What a validated inward book looks like.
Incorrectly ceded policies accepted into your book
Inbound portfolio validation
Row-level treaty compliance verified across all cedants
Debit notes issued post-acceptance
Manual baseline from reinsurer operations across African markets. Industry leakage benchmark: 2.5% of GWP flowing through unchecked inward portfolios. Pilot validation in progress.
Who Benefits
Every function at the reinsurer gains visibility.
Chief Actuary (Inward)
Every bordereaux validated before it enters the accounts. Zero unverified rows.
CFO
No overpayment on incorrectly ceded risk. IFRS 17 inward CSM from validated figures.
Claims Director
Claims paid only on correctly ceded business. Treaty scope verified at claim stage.
Head of Treaty
Treaty terms enforced automatically. Every clause applied at intake, not quarterly.
Relationship Manager
Zero disputes = clean renewal conversation. No debit note history on the relationship.
CTO
14 cedant formats normalised automatically. No manual format conversion on inward data.
The Platform
Full-suite reinsurance operations infrastructure. Inward-facing.
Inbound Validation
Every cedant row validated before booking.
Learn moreTreaty Compliance Engine
Your treaty applied to every row. Exclusions enforced. Cession rates verified.
Learn moreCedant Quality Scoring
Score and rank cedants by data quality. Track trends. Flag high-risk relationships.
Learn moreOverpayment Detection
Identify incorrectly ceded risk before claims are paid.
Learn moreMulti-Format Ingestion
14 cedants. 14 formats. Normalised automatically. No analyst conversion.
Learn moreAudit & Evidence Layer
Every acceptance decision logged. Treaty clause cited. Court-ready evidence.
Learn moreThe Ecosystem Effect
When you validate, your cedants improve.
Every validation report CedeOS generates can be shared with the submitting cedant — showing exactly which rows failed, which treaty clauses were violated, and what the correct figures should be. Cedants who submit to a CedeOS-validated reinsurer learn to submit accurately. Data quality improves quarter over quarter.
First quarter
You catch errors before booking
Second quarter
Cedants correct recurring patterns
Third quarter
Submission quality improves measurably
By year-end
Your inward portfolio has the cleanest bordereaux data in the market
You become the reinsurer that cedants want to submit to — because your validation process is transparent, fair, and makes them better.
By cedant — Q1 vs Q4
| Cedant | Q1 errors | Q4 errors | Improvement |
|---|---|---|---|
| Cedant 1 | 14 | 3 | −79% |
| Cedant 2 | 8 | 1 | −88% |
| Cedant 3 | 21 | 7 | −67% |
Validation feedback shared with cedants after each quarter. Error patterns corrected at source. Portfolio data quality compounds over time.
Regulatory
Reinsurer-side compliance. Automated.
IFRS 17 CSM on inward business calculated from validated figures
Audit trail from accepted bordereaux to financial statement
IRA, NAICOM, FSCA, SAMA — reinsurer reporting automated
Retrocession bordereaux validated before passing upstream
The Path
From first inbound bordereaux to validated acceptance. Four weeks.
Day 0
Technical Brief
Inbound validation architecture. How CedeOS applies your treaty terms to your cedants' submissions. Data residency. IFRS 17 inward CSM approach.
Week 1
Pilot Assessment
Submit one quarter of inbound bordereaux from your top 3 cedants. We return: errors found per cedant, overpayment exposure, treaty clause violations, data quality scores.
Week 2
Live Demo
20 minutes with your actual inbound data. See what your cedants are submitting incorrectly — row by row, clause by clause.
Week 4
First Validated Intake
Pilot go-live. Every inbound bordereaux from pilot cedants validated before booking. Full audit trail. Zero unverified acceptances.
Get started
The next bordereaux you accept should be validated before it touches your books.
Start with the technical brief. Request a pilot with your top 3 cedants. See exactly what you've been accepting unchecked.