Catastrophe & Accumulation Monitor
Continuously measures geographic, peril, counterparty, clash, and systemic accumulation.
Streams policy, endorsement, claim and catastrophe events into the approved accumulation views. Before a large risk is accepted it simulates the marginal gross and net impact against the zone the risk lands in. Where a limit is breached, or the geocoding and occupancy behind the view are too thin to trust, straight-through acceptance stops and a named underwriting authority decides.
Authority
Monitor and intervene
Team role
Monitors and escalates
Handoffs
Named collaborators
The role
What it owns and where its authority ends
Desk
Reinsurance & Portfolio Protection
Desk workflow
Model portfolio risk, design or renew protection, negotiate and document the placement, allocate premiums and losses, then monitor aggregation, recoverables, and counterparty exposure.
Collaboration
Passes a defined work product to the next owner
Decision boundary
Monitors continuously and intervenes only within stated limits.
Systems and capabilities involved
Policy exposure stream
Geocoding and hazard data
Catastrophe model grid
Accumulation limit service
Handoffs
What this role gives and receives
Capabilities offered
The handoffs name the next owner or specialist and the work that moves between them.
Handoff to
Handoff to
Handoff to
Receives from
Context
What the role needs to do the work
- Current work
- Current accumulations, event footprint, marginal risk, thresholds, model confidence, and data issues.
- Prior interactions
- Prior events, breaches, overrides, model runs, and ultimate loss development.
- Policies and reference
- Accumulation policy, zones, perils, clash definitions, treaty protections, and model limitations.
- Working method
- Not specified for this role.
Illustrative workflow
How the work moves
Starting point
A proposed industrial risk sits inside a zone already near the named-wind accumulation limit.
- 01
Geocode each location and validate values, occupancy, construction, and model version.
- 02
Simulate marginal gross and net loss across approved event sets and treaty structures.
- 03
Hold straight-through acceptance and return the limit breach and alternative structures.
Result
Pre-bind accumulation hold with gross/net impact, confidence, and mitigation options.
Checks and boundaries
What must be tested or reviewed
- 01Backtests measure event capture, geocoding accuracy, marginal exposure, treaty application, and breach latency on historical catastrophes.
- 02Data-confidence guard holds automated acceptance when location, occupancy, values, or model version are materially unreliable.
Human authority
- Chief underwriting, catastrophe, reinsurance, and risk authorities approve accumulation overrides and model-limit exceptions.
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