Adjudication at the Speed of AI.

The Brain Drain & Verification Bottleneck

We collaborated with a major Canadian financial institution employing 300 adjudicators. Our initial analysis revealed that adjudicators spent 90% of their time on routine verification and only 10% on actual decision-making.

Simultaneously, the bank faced a "Brain Drain." The intuition required for complex risk assessment resided in senior adjudicators nearing retirement. This expertise was undocumented, leaving the institution vulnerable.

Industrializing Expert Intuition

Using Cognitive Task Analysis (CTA), we extracted the "Gold Standard" logic from the bank's top experts. We mapped 100 years of collective lending expertise into a deterministic code structure.

By automating the capture and verification of identity, income, and property valuation, we ensured that the application of bank policy is consistent, traceable, and instant.

Deterministic ROI

The implementation fundamentally shifted the operating model of the lending unit:

• Expertise Encapsulated: The bank now owns a digital asset containing its best decision-making logic, immune to staff turnover.
• OpEx Reduction: Estimated $20 million in operational savings through streamlined workflows.
• Risk Mitigation: 100% adherence to complex environmental and regulatory questionnaires.