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Underwriting Mesh™ — Multi-agent · Explainable · AI Act

Underwriting can't be a black box anymore. The Mesh deploys specialist agents — risk, fraud, KYC, sanctions, narrative — coordinated by an explainable router. Every decision carries citations, lineage and a regulator-grade audit pack.

Thesis

Specialist agents under an explainable router beat both monolithic models and human-only desks.

Cycle time

−61%

Loss ratio

−12%

Auditor approval

100%

Investment

outcome-priced

Outcome billing

Outcome

−61% cycle time

Underwriting cycle time

Go-live

Live in 6 weeks

42 days

Activate Underwriting Mesh™ →Model the ROI See what's inside

What's inside

Modules that ship on day one

Risk agent
Pricing, capacity, exposure modelled against your appetite.
Fraud + KYC agents
Cross-reference sanctions, PEP, device, behavioural signals.
Document agent
Extract & verify across SOV, financials, IDs, statements.
Narrative agent
Drafts the underwriter's rationale with linked evidence.
Audit ledger
Append-only decisions, inputs, model versions, signed weekly.

Pod composition

Underwriting Principal
Risk Modeller
Compliance Engineer
MLOps Lead

Integrations

GuidewireDuck CreekEBixOnfidoRefinitivComplyAdvantage

Industries

InsuranceBankingSpecialty Lending

Example output · Decision · /v1/underwritejson

{
  "case_id": "uw_770a",
  "decision": "accept",
  "premium":  { "gbp": 14820, "rationale": "tier-2 hazard, clean loss history" },
  "evidence": ["sov:eu-w/12.pdf#p4", "sanctions:no_match", "fraud:0.04"],
  "model_versions": { "risk": "v9", "fraud": "v4" },
  "explainer": "narrative://uw_770a"
}

Capabilities used

Agentic AI
Document AI
Trustworthy AI

Data strata consumed

S2 Shape
S3 Sanctify
S4 Synthesise
S7 Settle

Pods recommended

Underwriting Pod
Fraud Triage Pod
KYC Sanctions Pod

Activation timeline

Live in 6 weeks · refund-backed

1
Weeks 1–2
Data + policy
Wire policy admin, claims history, sanctions providers, decision policy.
2
Weeks 2–4
Agents + audit
Risk, fraud, KYC, narrative agents under explainable router; audit pack.
3
Weeks 4–6
Pilot + cut-over
Shadow underwriters, then book; weekly model + policy review.

Before / after

Real customer deltas

KPI	Before	After
Cycle time	11 days	4 days
Loss ratio	62%	55%
Auditor findings	8	0

Outcome guarantees

EU AI Act high-risk control pack signed off at go-live
Loss ratio guard: refund if loss ratio worsens vs baseline
Sovereign deployment: VPC or on-prem available

Outcome calculator

Model your underwriting cycle time.

Heuristic projection from peer customers. Plug in your number; we'll baseline the real one in week one and contract against it.

Annual underwriting volume (£ premium)

Projected combined-ratio improvement value / year

£5,250,000

Heuristic only — contracted KPI baselined in week one.

Investment

outcome-priced

Go-live

Live in 6 weeks

Outcome

−61% cycle time

Lock this outcome →

FAQs

What buyers actually ask

Is this regulator-ready?

Yes — Annex IV evidence pack auto-generated; FCA, BaFin and Lloyds engagements precedent.

Can humans override?

Always — every decision is reviewable; overrides feed back into policy as labelled examples.

Activate · O3 Underwriting Mesh™

Stand up Underwriting Mesh™ in 6 weeks.

We'll respond within one business day with a scoping note, a fixed-price outcome contract, and a named principal. Your details sync straight into our concierge queue.

• Outcome billing — outcome guarantees in the contract.
• Sovereign by default — your data, region and keys.
• Wired into the Value Engine from day one.