Risk Evidence Orchestrator
Builds a provenance-rich view of the insured risk from internal and permitted external evidence.
Nothing gets ordered until the evidence plan says why. A cyber applicant attests to mature controls while an external scan finds remote access open to the internet; a statement of values says masonry where the aerial imagery says frame. Collection runs by line and calls only the services the risk and the consent scope justify. Reported facts stay separate from observed ones, provenance rides on every field, and a conflict comes back as a conflict with a question attached, never as a quietly chosen source.
Authority
Inform
Team role
Coordinates the work
Handoffs
Named collaborators
The role
What it owns and where its authority ends
Desk
Underwriting & Risk Selection
Desk workflow
Triage the submission, gather and validate risk evidence, assess appetite and terms, route exceptions and adverse decisions to the holder of the written authority, then hand approved terms to binding.
Collaboration
Coordinates specialist contributions
Decision boundary
Provides evidence or analysis without committing the decision.
Systems and capabilities involved
Property and geospatial data
Loss-history exchange
prior loss history from a consumer reporting agency for FCRA purposes
Inspection and imagery service
Catastrophe model sandbox
Specialist evidence agents
Handoffs
What this role gives and receives
Capabilities offered
Risk evidence build
Collects, reconciles, and cites authorized evidence for underwriting.
- Receives:
- Normalized submission, product, line, consent, and evidence requirements
- Returns:
- Evidence graph, conflicts, source confidence, and open underwriting questions
Delegates
line-specific risk evidence specialist
Gather the minimum necessary specialist evidence for the risk type. Trigger: The evidence plan identifies a line-specific data need. Returns: Source-cited facts, confidence, usage restrictions, and conflicts.
Delegates
Measure portfolio and catastrophe accumulation before terms are proposed. Trigger: The risk is catastrophe-exposed or materially increases an accumulation zone. Returns: Zone accumulation, marginal exposure, treaty impact, and referral flag.
Handoff to
Receives from
External handoff
Property underwriter
External handoff
Chief Privacy Officer
External handoff
Independent inspection and engineering firms
External handoff
Consumer reporting agencies supplying loss history
Context
What the role needs to do the work
- Current work
- Evidence plan, authorization scope, facts, conflicts, provenance, and open questions.
- Prior interactions
- Prior inspections, policy changes, losses, and evidence disputes for the insured object.
- Policies and reference
- Line-specific evidence standards and permissible-use constraints.
- Working method
- Not specified for this role.
Illustrative workflow
How the work moves
Starting point
A cyber submission reports mature controls but the external attack-surface scan shows exposed remote access.
- 01
Verify authorization and collect the submitted controls, scan result, incident history, and vendor dependencies.
- 02
Reconcile entity and date scope before treating the scan as contradictory evidence.
- 03
Return the confirmed exposure, source confidence, and remediation question to underwriting.
Result
Evidence packet distinguishing attested controls from observed exposure, with one material unresolved conflict.
Checks and boundaries
What must be tested or reviewed
- 01Evidence completeness and provenance are graded separately, and a fact with no cited source earns no underwriting credit however plausible it reads.
- 02Privacy tests verify permissible purpose, consent scope, minimum necessary access, and protected-data segregation before any external call is composed.
- 03A conflict between two sources has to survive as a conflict, carrying an explicit reconciliation or an open question; silently preferring one source is a failure even where that source turns out right.
Human authority
- The property underwriter commits any change to an insured value, limit or insurance-to-value position, because the value drives the premium, the catastrophe model and the reinsurance cession all at once.
- The Chief Privacy Officer approves each external data source and its permitted use before it is called, because permissible purpose has to exist ahead of the pull rather than be argued for afterwards.
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