ATLAS™ — Premium Audit Transformation Blueprint

① Foundation & Infrastructure

② Intelligence & AI Automation

③ Agentic AI & Full Optimisation

🗺Premium Audit Process Reengineering

M1–M3

Current-state mapping of all WC and GL premium audit workflows — payroll verification, OSHA 300 reconciliation, EMod validation, class code review, and billing. Define Target Operating Model for 47→19-day cycle time. Identify 34 automation candidates across WC and GL lines.

SIPOC / VSMTOM DesignWC + GL WorkflowsAutomation Assessment

📄OCR — Audit Document Digitisation

M2–M5

Deploy Azure Form Recognizer for OSHA 300/300A forms, ADP payroll sheets, loss run PDFs, sub-contractor WC certificates, and ACORD 125/130 certificates. Build document classification pipeline with 15 audit document types and automated routing to SENTINEL and MERIDIAN.

Azure Form RecognizerOSHA 300 OCRLoss Run PDFsACORD 125/130

⚙️RPA — Audit Data Intake Automation

M3–M6

UiPath bots for automated data pulls from NCCI Connect (EMod worksheets), ADP payroll APIs, OSHA DOL portal, IRS EIN verification, and D&B entity enrichment. Target 65% reduction in manual audit data gathering across 12 automated workflows for both WC and GL lines.

UiPath OrchestratorNCCI ConnectADP APIOSHA DOL

❄️NEXUS™ Data Foundation

M1–M6

Establish the Snowflake data lake (Bronze/Silver/Gold/Platinum zones) as the NEXUS data foundation. Build MuleSoft and Azure Data Factory pipelines from PolicyCenter, BillingCenter, ClaimsCenter, and all 16 external sources. PA Data Dictionary v3.0 — 280-field taxonomy.

SnowflakeMuleSoft API GWAzure Data Factorydbt Transform

Phase 1 Value Realization

65%

Reduction in manual audit data gathering via RPA + OCR automation

Days saved per audit in intake processing — 47→38 day cycle

$2.1M

Year 1 leakage recovery and labour savings from automation

Systems Connected · Phase 1

🏢

PolicyCenter

WC + GL policy data, class codes, EMod inception values, coverage limits

💳

BillingCenter

Invoice history, premium adjustments, payment status, billing runs

📋

ClaimsCenter

5-year loss runs, open reserves, ALAE, EMod-qualifying claims

📐

NCCI Connect

EMod worksheets, advisory rates, unit statistical data — 38 states live

💼

ADP Payroll

Quarterly payroll by NCCI class, W-2 data, officer comp, headcount

🦺

OSHA / DOL

OSHA 300/300A forms, TRIR/DART rates, state WC board rules

🛡️SENTINEL™ WC — AI Audit Platform

M7–M11

Full deployment of SENTINEL™ Workers Compensation AI audit platform. EMod Monitor (nightly NCCI), OSHA 300 Reconciler, WC Payroll Class Allocator, Sub-Cert Extractor, and Multi-State Detector. Target: 45% STP rate for qualifying WC audits by Month 12.

SENTINEL™ WCEMod MonitorOSHA Reconciler12 AI Models

◈MERIDIAN™ GL — AI Audit Platform

M8–M12

Full deployment of MERIDIAN™ General Liability AI audit platform. ISO Class Code Allocator, GL Exposure Basis Classifier, COI Extractor (ACORD 25/130), Sub-Premium Distributor, and multi-state GL allocation engine. Target: 42% STP rate for qualifying GL audits.

MERIDIAN™ GLISO Class AllocatorCOI ExtractorGL Exposure AI

📚RAG Knowledge Base — Audit Intelligence

M9–M13

Build RAG system over NCCI circulars (2.4M vectors), ISO GL rating manuals (1.8M), OSHA 300 guides (1.1M), state WC regulations, and historical audit decisions. Auditors query regulatory knowledge in natural language. Pinecone vector store with LangChain orchestration.

LangChain RAGPineconeGPT-4o / Claude8.2M Vectors

◉NEXUS™ Analytics & Insight Engine

M10–M14

NEXUS Platinum analytics zone activation. Power BI real-time dashboards for portfolio leakage, STP rates, cycle time, auditor productivity, and regulatory compliance. Executive KPI dashboard. ML feature store with 140+ premium audit features serving SENTINEL and MERIDIAN models.

NEXUS™ PlatinumPower BI DirectQueryFeature StoreExecutive KPIs

Phase 2 Value Realization

$6.8M

Annual leakage recovery — EMod, class codes, OSHA, sub-certs by M14

45%

STP rate achieved — WC and GL audits auto-resolved by Month 12

28 days

Audit cycle time — down from 47 days at programme start

Platforms Live · Phase 2

🛡️

SENTINEL™ WC

EMod Monitor nightly · OSHA Reconciler · WC STP 45% rate achieved

◈

MERIDIAN™ GL

ISO Class Allocator · COI extraction · GL STP 42% rate achieved

🔮

RAG Pipeline

NCCI + ISO + OSHA knowledge base · 8.2M vectors · < 3.1s response

◉

NEXUS™ Data

Platinum analytics · Feature store · 24 sources · 94% quality

🧪

Azure ML Studio

12 audit AI models trained · MLflow registry · Weekly retraining

📊

Power BI

45+ dashboards live · Portfolio leakage · Auditor productivity

🦾Agentic AI — Autonomous Audit Completion

M15–M19

Autonomous AI agents orchestrate end-to-end audit workflows for STP-eligible cases — from NCCI EMod verification through payroll cross-check, OSHA reconciliation, sub-cert validation, class code confirmation, premium calculation, and BillingCenter write-back. Agents handle 68% of WC + GL audits with zero auditor touch.

LangGraph AgentsSTP Engine 68%Auto-BillingCenterHuman Escalation

🔮Predictive Audit Intelligence

M16–M20

Portfolio-level AI for premium leakage prediction, EMod trajectory forecasting (3-year horizon), renewal risk scoring, and proactive audit prioritisation. Leakage Predictor XGBoost (AUC 0.91) identifies high-risk accounts 90 days before audit due date. NCCI unit stat auto-filing engine.

Leakage PredictorEMod TrajectoryRisk PrioritisationNCCI Auto-Filing

⬡PRISM™ Technology Architecture

M18–M22

Deploy PRISM™ Technology Intelligence Platform — the interactive ecosystem visualization showing all 27 technology nodes, data flows, AI model performance, and system health. Executive and programme-level view of the complete SENTINEL/MERIDIAN/NEXUS/APEX technology estate with real-time status.

PRISM™ PlatformSystem TopologyModel MonitoringTech Governance

🚀Hyperautomation & APEX™ Ecosystem

M20–M24

Complete APEX™ ecosystem — automated NCCI unit stat filing, state WC board reporting, broker self-service audit portal, and continuous model retraining pipeline. Closed-loop feedback: every audit outcome retrains AI models, improving accuracy by +0.4%/quarter. Full programme value realised.

APEX™ EcosystemNCCI Auto-FilingBroker PortalContinuous Learning

Phase 3 Value Realization — Full Programme

68%

STP rate — WC + GL audits fully autonomous end-to-end

$14.2M

Annual premium leakage recovered — full SENTINEL + MERIDIAN run-rate

19 days

Target audit cycle — Bionic Premium Audit fully achieved

Platforms at Full Operation · Phase 3

🦾

Agentic AI

LangGraph STP agents · 68% auto-resolved · Human escalation < 1 min

⬡

PRISM™ Tech

Technology ecosystem visualization · 27 nodes · Real-time health

⬟

APEX™ Ecosystem

Full 5-platform estate · NCCI auto-filing · Broker portal live

🔄

Continuous ML

Weekly retraining · +0.4%/qtr accuracy gain · Drift detection

📑

Regulatory Engine

NCCI unit stat · 40-state WC board reporting · Auto-compliance

🎯

$28.4M NPV

3-year value realised · 16-month payback · IRR 147% achieved

① NEXUS™ Data Foundation & Governance

② Intelligence & AI Integration

③ Data Products & Monetisation

🏛️PA Data Governance Framework

M1–M3

Establish PA Data Governance Council with Actuarial, Audit Ops, IT, Legal, and Compliance representation. Define data ownership model (PolicyCenter, NCCI, ADP as authoritative sources). Publish PA Data Dictionary v3.0 with 280-field taxonomy. NAIC, SOX, and state-specific WC regulatory compliance controls.

PA Data Dictionary v3.0Governance CouncilNAIC Compliance280-Field Taxonomy

❄️NEXUS™ Snowflake Data Lake Build

M2–M6

Deploy NEXUS 4-zone Snowflake architecture: Bronze (raw ingestion, 4.8TB), Silver (cleansed, 3.1TB), Gold (audit-ready, 2.2TB), Platinum (AI/analytics, 1.8TB). Azure Purview lineage and Collibra data catalog. dbt 280+ transformation models with 340+ quality tests. RBAC and PII tokenisation.

Bronze → Platinum ZonesAzure PurviewCollibra Catalogdbt 280+ Models

🔌24-Source PA Data Connectivity

M2–M7

MuleSoft API Gateway connecting all 24 PA data sources — 8 internal (PolicyCenter, BillingCenter, ClaimsCenter, Legacy Audit, Finance/SAP, HR/Workday, Salesforce CRM, Power BI) and 16 external (NCCI, ADP, IRS, OSHA, D&B, Experian, State WC Boards ×40, ISO/Verisk, ACORD, SOS ×50, BLS, FEMA, Paychex, License DB, Zywave, GL Rates).

MuleSoft API GW24 SourcesKafka Streaming4-Hour SLA

✅PA Data Quality & MDM Framework

M4–M8

Great Expectations automated validation suite (340+ rules) across all 24 sources. MDM golden records for insured entity (D&B DUNS + IRS EIN), location, and broker. Target data quality score 61%→94%. Remediate top-20 critical DQ issues in EMod, payroll, and OSHA data impacting AI model accuracy.

Great ExpectationsMDM Golden Records61%→94% DQ Score340+ DQ Tests

📖PA Data Catalogue & Lineage

M3–M6

Collibra enterprise data catalogue with 420-term business glossary specific to premium audit (WC class codes, EMod, OSHA TRIR, ISO GL rates, ACORD cert types). Azure Purview field-level lineage from source to Platinum analytics. Self-service discovery for auditors, actuaries, and data scientists.

CollibraAzure Purview420-Term GlossaryField-Level Lineage

Phase 1 Data Foundation Outcomes

PA data sources connected to NEXUS with validated dbt pipelines

72%

Data quality score by M6 — rising to 94% by M18

<30 min

Data latency SLA from source to Silver analytics-ready layer

NEXUS™ Technologies Deployed · Phase 1

❄️

Snowflake

Bronze/Silver/Gold/Platinum · 11.9TB · 152 tables · 99.99% SLA

🔗

MuleSoft + ADF

24 API connectors · Azure Data Factory ETL · Kafka events

🔄

dbt Core

280+ transformation models · 340+ quality tests · Nightly run

📖

Collibra + Purview

PA data catalogue · 420-term glossary · Field-level lineage

✅

Great Expectations

340+ automated DQ rules · Nightly validation · Scorecard reporting

🌐External PA Data Hub Completion

M9–M13

Complete onboarding of all 16 external data providers via MuleSoft: NCCI Connect (38 states live), ADP Payroll API, IRS EIN, OSHA DOL, D&B Direct+, Experian Business, all 40 State WC Boards, ISO/Verisk GL rates, ACORD certificate repository, BLS wage benchmarks, FEMA NFIP, Paychex, Contractor License DBs, Zywave loss control, and Cornerstone GL rates.

NCCI 38 States40 WC State BoardsISO/Verisk GLACORD Repository

🏪PA ML Feature Store

M10–M14

140-feature ML Feature Store on Azure ML / Feast — serving SENTINEL and MERIDIAN models at < 40ms inference latency. Feature groups: Payroll (38 features: WC class allocation, payroll by state, officer comp, sub-contractor split), Regulatory (31: EMod inception/current, OSHA TRIR/DART, state rules), Claims (29: loss ratio, EMod claims, frequency), Entity (22: D&B DUNS, multi-state ops, SIC code).

140 PA FeaturesAzure ML Feature Store<40ms InferencePoint-in-Time

⚡Real-Time PA Streaming Layer

M11–M15

Azure Event Hubs (Kafka-compatible) for real-time premium audit events — policy changes triggering EMod Monitor re-runs, payroll change notifications from ADP, claims updates from ClaimsCenter, and NCCI rate changes. SENTINEL nightly EMod Monitor migrated from batch to event-driven. Snowpipe Streaming for continuous micro-batch ingest. Sub-5 minute event-to-alert latency.

Azure Event HubsKafka Streams<5 min Event→AlertSnowpipe Streaming

🔭PA Data Observability Platform

M12–M16

Monte Carlo data observability across all NEXUS pipelines — freshness, volume, schema, and distribution drift detection for all 24 PA data sources. Automated SLA breach alerts for NCCI EMod data (business-critical). Data quality scorecards embedded in SENTINEL and MERIDIAN dashboards. Incident management via PagerDuty with PA-specific runbooks.

Monte CarloPipeline MonitoringAnomaly DetectionPA SLA Tracking

🕸️PA Data Mesh Architecture

M13–M16

Transition to 3-domain PA Data Mesh: WC Audit Domain (SENTINEL data ownership — payroll, EMod, OSHA), GL Audit Domain (MERIDIAN data ownership — exposure, class codes, certificates), and Portfolio Domain (NEXUS — leakage analytics, executive KPIs, regulatory reporting). Each domain owns data products with published SLAs, quality contracts, and API-first consumption.

WC Audit DomainGL Audit DomainPortfolio DomainData Contracts

Phase 2 Data Intelligence Outcomes

All PA sources active · External Data Hub complete · NCCI 38 states live

<5 min

Event-to-alert latency — EMod changes trigger SENTINEL instantly

140+

ML features in PA Feature Store serving SENTINEL + MERIDIAN models

Technologies Deployed · Phase 2

🏪

PA Feature Store

140 features · EMod, payroll, OSHA, claims, entity · <40ms serving

⚡

Azure Event Hubs

Kafka-compatible · Real-time PA events · SENTINEL trigger pipeline

🌐

24 External APIs

NCCI + ADP + OSHA + IRS + D&B + 40 WC Boards + ISO/ACORD all live

🔭

Monte Carlo

NEXUS pipeline observability · EMod data SLA monitoring 24/7

🕸️

PA Data Mesh

WC + GL + Portfolio domains · Data contracts · Self-serve APIs

📦AI-Ready PA Data Products

M17–M20

Publish 3 production PA Data Products: Unified Audit Profile (policy + payroll + OSHA + loss history + regulatory context), Portfolio Leakage View (real-time premium leakage by line, state, and auditor), and Renewal Risk Intelligence (EMod trajectory, loss ratio trend, predictive audit flag). Each product API-first with quality SLAs and Snowflake Marketplace listings.

Unified Audit ProfilePortfolio Leakage ViewRenewal Risk IntelData Product APIs

🔮Predictive PA Portfolio Intelligence

M18–M22

XGBoost leakage prediction at 90-day pre-audit horizon (AUC 0.91). EMod spike prediction 3-year trajectory model. Sub-contractor certificate gap pre-flagging 60 days before audit. Portfolio premium at risk (PAR) real-time dashboard. All predictions served into SENTINEL + MERIDIAN NBA workflow via Feature Store APIs.

Leakage Prediction AUC 0.91EMod Trajectory 3yrCert Gap Pre-FlagPA-at-Risk Dashboard

🏬Internal PA Data Marketplace

M19–M22

Snowflake Marketplace-powered Internal PA Data Marketplace — actuaries, finance, claims, and operations self-serve certified PA data products without IT intervention. Cross-LOB sharing between WC audit data and GL audit data for combined-line portfolio analysis. Usage analytics and cost attribution by department.

Snowflake MarketplaceCross-LOB SharingSelf-Serve AnalyticsUsage Attribution

⚙️NEXUS™ Platform Optimisation

M20–M24

Snowflake query optimisation (Dynamic Tables, clustering keys for NCCI class code and policy date, materialised views for EMod analytics). FinOps: 25-35% Snowflake credit cost reduction. Data retention lifecycle: 7-year NAIC audit trail, cold storage for pre-programme data. SOC2 Type II re-certification. Full AI governance audit for SENTINEL + MERIDIAN models per NAIC AI guidelines.

Dynamic TablesFinOps 30% SavingsSOC2 Type IINAIC AI Governance

🛡️PA Data Compliance & AI Ethics

M21–M24

Privacy Vault for EIN, SSN, and payroll PII tokenisation. SHAP explainability embedded in SENTINEL + MERIDIAN for every AI recommendation. Model Risk Committee with Actuarial + Compliance oversight for all 12 premium audit AI models. Automated NCCI unit stat, state WC board, and NAIC regulatory reporting. State AI pre-approval programme completion (12 pending states).

PII TokenisationSHAP ExplainabilityModel Risk CommitteeNCCI Auto-Reporting

Phase 3 Data Products Outcomes

3×

AI/ML decisions using certified NEXUS data products — WC + GL combined

30%

NEXUS platform cost reduction via Snowflake FinOps optimisation

100%

NAIC, SOX, and state WC regulatory compliance certified and audit-ready

Technologies Deployed · Phase 3

❄️

Snowflake Cortex

Native ML on Snowflake · Dynamic Tables · FinOps optimised

📦

PA Data Products

Unified Audit Profile · Leakage View · Renewal Intel — API-first

🏬

PA Marketplace

Cross-LOB WC + GL sharing · Self-serve · Cost attribution

🛡️

Privacy + AI Ethics

EIN/SSN tokenised · SHAP per AI decision · MRC oversight

📊

Databricks + Delta

Leakage prediction ML · Continuous retraining · Delta Lake

Premium Audit Technology Deployment Matrix

Complete asset connectivity across all 24 months — click any layer to expand · SENTINEL™ · MERIDIAN™ · NEXUS™ · PRISM™ · APEX™

🎯

Core PA Platforms — SENTINEL · MERIDIAN · NEXUS · PRISM

All Phases

▼

🛡️SENTINEL™ WC

Phase 2

Workers Compensation AI Audit Platform. EMod Monitor, OSHA Reconciler, WC Payroll Class Allocator, Sub-Cert Extractor. 12 AI models. 68% STP rate target.

NCCI ConnectADP APIOSHA DOLNEXUS™

◈MERIDIAN™ GL

Phase 2

General Liability AI Audit Platform. ISO Class Allocator, COI Extractor (ACORD 25/130), GL Exposure Classifier. Target 42% STP for qualifying GL audits.

ISO/VeriskACORD RepoD&B APINEXUS™

◉NEXUS™ Data

Phase 1

Premium Audit Data Intelligence Platform. 4-zone Snowflake lake, 24 sources, 140 ML features, PA Data Dictionary v3.0. Executive analytics hub.

All 24 SourcesPower BISENTINEL™MERIDIAN™

⬡PRISM™ Tech

Phase 3

Technology Architecture Visualization Platform. 27 nodes, animated data flows, AI model monitoring, security posture, and value delivery dashboards.

All PlatformsAzure MonitorMLflowExec Dashboards

⬟APEX™ Hub

Phase 3

PA Intelligence Hub — central orchestration layer. Routes audit cases between SENTINEL and MERIDIAN, manages AI model calls, BillingCenter write-backs, and broker portal.

SENTINEL™MERIDIAN™BillingCenterBroker Portal

🏢

Guidewire Cloud Platform — Source Systems

Phase 1

▼

📋PolicyCenter

Phase 1

WC + GL policy administration. Source of truth: class codes, EMod at inception, coverage limits, endorsements. CDC to NEXUS every 15 min.

NEXUS™ BronzeSENTINEL™MERIDIAN™

💳BillingCenter

Phase 1

Premium invoicing and collections. Receives final audit adjustments from SENTINEL + MERIDIAN. Auto-billing for STP cases. $180M+ annual premium volume.

APEX™ HubNEXUS™Finance/SAP

⚖️ClaimsCenter

Phase 1

WC + GL claims management. 5-year loss runs, open reserves, ALAE, EMod-qualifying claims. 30-min batch to NEXUS. 18,900+ claims in database.

NEXUS™ BronzeSENTINEL™ EModMERIDIAN™ GL

📐

Regulatory & External PA Data Sources

Phase 1–2

▼

📐NCCI Connect

Phase 1

EMod worksheets, advisory loss costs, class code rates, unit statistical data. 38 NCCI states live. Drives SENTINEL nightly EMod Monitor. Real-time EMod lookup < 2s.

SENTINEL™ EModNEXUS™ RulesNCCI Filing

💼ADP Payroll API

Phase 1

Quarterly payroll by NCCI class, W-2, officer compensation, headcount by state, contractor vs employee classification. Real-time API. 97.4% data completeness.

SENTINEL™ WCMERIDIAN™ GLNEXUS™ Bronze

🦺OSHA / DOL API

Phase 1

OSHA 300/300A log data, TRIR/DART rates, state WC board rate filings. 40 state WC Boards. SENTINEL OSHA Reconciler achieves 99.1% accuracy. Daily refresh.

SENTINEL™ OSHANEXUS™ BronzeRules Engine

🔷ISO / Verisk GL

Phase 2

GL manual rates, ISO class codes, territory factors, schedule credits. On-demand API. MERIDIAN GL Class Allocator achieves 95.8% accuracy vs manual baseline.

MERIDIAN™ GLNEXUS™ GoldRules Engine

🧠

AI / ML Models & Intelligence Layer

Phase 2–3

▼

🔮RAG Pipeline

Phase 2

LangChain RAG over 8.2M insurance vectors. NCCI circulars, ISO manuals, OSHA guides, state regulations. < 3.1s end-to-end. 94% context relevance.

LangChainPineconeGPT-4o / ClaudeSENTINEL™

🧪Azure ML Studio

Phase 2

Training + serving 12 PA audit models. EMod predictor, leakage XGBoost (AUC 0.91), OSHA BERT, sub-cert extractor. Weekly retraining. < 40ms inference.

NEXUS™ GoldMLflowSENTINEL™MERIDIAN™

🤖LLM Layer

Phase 2

GPT-4o (audit narratives, reasoning), Claude 3.5 (document analysis, OCR correction), GPT-4o-mini (classification, STP eligibility). Azure OpenAI + Anthropic API.

RAG PipelineSENTINEL™MERIDIAN™Agentic AI

🦾Agentic AI

Phase 3

LangGraph stateful agents orchestrating end-to-end STP audit workflows. NCCI → ADP → OSHA → BillingCenter auto-pipeline. 68% audits zero-touch.

All APIsBillingCenterSENTINEL™MERIDIAN™

🗄️

NEXUS™ Data Architecture Stack

Phase 1–3

▼

❄️Snowflake

Phase 1

NEXUS 4-zone data lake. 11.9TB, 152 tables, 99.99% SLA. Bronze → Silver → Gold → Platinum. Multi-cluster for SENTINEL + MERIDIAN concurrent workloads.

All 24 SourcesPower BIAzure MLdbt Core

⚡Azure Event Hubs

Phase 2

Kafka-compatible streaming for real-time PA events. 30K+ events/day. Policy changes → EMod Monitor re-trigger. < 5-minute event-to-alert for SENTINEL.

PolicyCenterSENTINEL™SnowflakeNEXUS™

🔗MuleSoft API GW

Phase 1

Anypoint Platform managing all 24 PA API connections. OAuth 2.0, circuit breakers, retry logic. 99.95% gateway uptime. Normalised JSON to NEXUS Bronze.

All 24 APIsNEXUS™ BronzeKafka EventsADF Pipelines

🔧dbt Core + ADF

Phase 1

dbt: 280+ SQL transformation models for NEXUS Bronze → Gold. 340+ data quality tests. Azure Data Factory: 180+ ETL pipelines for bulk nightly loads.

SnowflakeAzure Data LakeAll SourcesFeature Store

🔐

Security, Compliance & Governance

All Phases

▼

🔐Azure Key Vault

Phase 1

240+ PA secrets managed. 90-day auto-rotation for all 24 API keys (NCCI, ADP, IRS, OSHA). Microsoft Entra ID Managed Identity — zero hardcoded credentials.

All 24 APIsAzure ServicesNEXUS™CI/CD Pipeline

🛡️Azure Purview

Phase 1

Field-level data lineage across all NEXUS zones. PII classification for EIN, SSN, payroll data. 14 sensitivity labels. NAIC regulatory data compliance mapping.

NEXUS™ All Zonesdbt LineageCompliance TeamCollibra

📦MLflow Registry

Phase 2

12 PA audit models versioned, staged, and deployed. 4-week champion-challenger. Full rollback < 5 min. Model cards for NAIC AI governance compliance.

Azure MLSENTINEL™MERIDIAN™PRISM™

SAFe Agile POD Structure — Premium Audit Programme

5 Feature Teams + Shared Services · PI Planning every 10 weeks · 2-week Sprints · SENTINEL · MERIDIAN · NEXUS · PRISM · APEX across 24 months

SAFe Framework — Premium Audit ART

PORTFOLIO

PA Transformation Portfolio Steering

CIO · Chief Audit Officer · Chief Data Officer · Programme Sponsors · CFO · Strategy, budget, quarterly business review

PROGRAM

Agile Release Train (ART) — Bionic Premium Audit

Release Train Engineer · Chief PA Architect · Chief Data Architect · Product Management · DevOps · PI Planning every 10 weeks

TEAM

5 Feature PODs (SENTINEL · MERIDIAN · NEXUS · PRISM · Integration) + ART Shared Services

2-week Sprints · Daily standups · Sprint Review + Retro · Backlog refinement · Cross-POD dependency management

ART Shared Roles

Programme-level capabilities shared across all 5 Feature PODs

Release Train Engineer×1

Chief PA Architect×1

Chief Data Architect×1

Product Management Lead×2

DevOps / Platform Eng.×2

Data Governance Lead×1

Security & Compliance×1

Change Management Lead×1

Actuarial Liaison×1

SENTINEL™ WC POD

EMod Monitor · OSHA Reconciler · WC Payroll AI · NCCI Integration · WC STP Engine

Product Owner (WC Audit)×1

Scrum Master×1

ML Engineers×3

Full-Stack Engineers×2

WC Domain SME×1

QA Engineer×1

Team Size9

MERIDIAN™ GL POD

ISO Class Allocator · COI Extractor · GL Exposure AI · ACORD Integration · GL STP Engine

Product Owner (GL Audit)×1

Scrum Master×1

ML Engineers×3

Full-Stack Engineers×2

GL Domain SME×1

QA Engineer×1

Team Size9

NEXUS™ Data POD

Snowflake · dbt · MuleSoft · 24 Sources · Feature Store · Data Governance · MDM

Product Owner (Data)×1

Scrum Master×1

Senior Data Engineers×3

Data Architect×1

Data Quality Analyst×1

Analytics Engineer (dbt)×1

Data Governance Analyst×1

Team Size9

Integration & Automation POD

UiPath RPA · OCR · MuleSoft APIs · NCCI/ADP/OSHA Connectors · Process Reengineering

Product Owner (Automation)×1

Scrum Master×1

RPA Developers×2

Integration Engineers×2

Process Engineers×2

Business Analyst×1

Team Size9

PRISM™ & Platform POD

PRISM Tech Viz · APEX Hub · React UI · AKS · Security · QA · APEX Ecosystem

Product Owner (Platform)×1

Scrum Master×1

Frontend Engineers×2

Platform / AKS Engineers×2

UX / UI Designer×1

QA Engineers×2

Team Size9

Total Programme Headcount — Standard 24-Month Pace

FTE across 5 Feature PODs (45) + ART Shared Services (9) — SENTINEL · MERIDIAN · NEXUS · Integration · PRISM/Platform · See Timeline Scaler for dynamic staffing

ATLAS™ — Bionic Premium Audit Transformation Roadmap