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Back Office & Finance · Insurance
Match commission statements to bound policies.
Commission exceptions take days to trace.
For: Agency controllers and the team responsible for back office & finance in insurance.
01 · The outcome
What good looks like.
The team has a reconciliation exception list for controller sign-off, with source evidence and an explicit approval before any external action. Track unresolved commission exceptions against a baseline; do not assume automation improves it.
A connected workflow that uses commission statement, bound-policy ledger, and approved commission schedule to match policy references and flag missing or unexpected amounts. It produces a reconciliation exception list for controller sign-off.
Where AI helps, and where a person decides.
AI can match policy references and flag missing or unexpected amounts. It drafts and organizes; it does not authorize spending, commitments, clinical decisions or customer communication. The agency controller verifies the source facts and approves the final action.
Agency controller is accountable. People approve customer-facing, sensitive, financial, and legally binding actions.
- Agency controller: Capture the source and scope
- Agency controller: Review the proposed outcome
- Agency controller: Release only the approved version
- Agency controller: Check the result and exceptions
A named person approves customer-facing messages, spending, record changes and binding commitments before release. Pre-approved scripts are versioned; exceptions stop for review.
02 · The handoffs
How the work moves.
Every handoff has an owner. Select a step to open or close its detail.
Start when: A carrier commission statement arrives. Connect only commission statement, bound-policy ledger, and approved commission schedule. The agency controller confirms the request is authorized and in scope.
Ready when: The source reference, permissions and accountable owner are recorded.
Use the authorized records to match policy references and flag missing or unexpected amounts. Preserve the original language alongside the draft and label uncertain fields.
Ready when: Each proposed fact links back to a source, and missing information is visible.
Check a reconciliation exception list for controller sign-off against the original records and current policy. Correct errors and escalate exceptions to the qualified specialist; do not auto-approve.
Ready when: Agency controller has recorded approval or a reason to hold the item.
After explicit approval, save a reconciliation exception list for controller sign-off in the system of record. Send only approved messages to verified recipients. Record the version and prevent duplicate delivery.
Ready when: The approved record is saved; any delivery is confirmed or placed in the retry queue.
Review unresolved commission exceptions each week, sample completed records for quality, and resolve held items. Change the rules only after reviewing actual errors and staff feedback.
Ready when: Exceptions have owners, the metric has a baseline, and corrective actions are assigned.
Sample record.
$ david run --workflow=insurance-commission-reconcile
ILLUSTRATIVE RECORD / NOT LIVE CUSTOMER DATA
- Example
- Illustrative only — not a real client record
- Reference
- INSURANCE-COMMISSION-REC-DEMO-001
- Trigger
- A carrier commission statement arrives.
- Owner
- Agency controller
- Prepared output
- a reconciliation exception list for controller sign-off
- Review status
- Awaiting human approval — no external action taken
- Missing information
- Owner to verify source completeness
- Measure
- Unresolved commission exceptions
Start with your tools.
Connect Agency management system, Carrier portal, Microsoft 365 through approved APIs or controlled exports. Map record identifiers first; test permissions and field updates in a sandbox. Vendor names describe possible connections, not a guarantee of an available integration or license.
When things go wrong.
- A named person approves customer-facing messages, spending, record changes and binding commitments before release. Pre-approved scripts are versioned; exceptions stop for review.
- Use only authorized sources and role-based access. Keep an audit trail of source records, drafts, approvals and delivery status; deduplicate retries.
- If an integration fails, a source is missing or confidence is low, pause the action and assign the original request to the accountable owner.
- For financial or insurance work, a properly licensed professional approves recommendations, coverage, suitability and binding actions. Apply the firm's supervision, retention and advertising rules.
Try this week / no DAVID required
A useful first step.
This week, have your agency controller time five examples of this work. Use redacted copies of commission statement, bound-policy ledger, and approved commission schedule to make a reconciliation exception list for controller sign-off manually, then list which fields required judgment.
What to measure.
- Unresolved commission exceptions
- Minutes of human handling per completed item
- Drafts needing substantive correction
- Exceptions unresolved beyond the agreed review window
Estimate your time back.
20.8
$11,232
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