{"id":1876,"date":"2016-08-23T16:45:35","date_gmt":"2016-08-23T23:45:35","guid":{"rendered":""},"modified":"2023-07-19T10:58:52","modified_gmt":"2023-07-19T17:58:52","slug":"risk-modelling-in-insurance-unified-corporate-financial-management","status":"publish","type":"post","link":"https:\/\/www.microsoft.com\/en-us\/industry\/blog\/financial-services\/2016\/08\/23\/risk-modelling-in-insurance-unified-corporate-financial-management\/","title":{"rendered":"Risk Modelling in Insurance: Unified corporate financial management"},"content":{"rendered":"

Carmela Owens of Tagetik told us how the company is helping insurance companies around the world to simplify and streamline business processes.<\/em><\/p>\n

Insurers need to manage increasingly complex risk and reporting processes to comply with ever-tougher regulations, both in the country where they\u2019re headquartered and in the various countries where they do business. For finance teams grappling with multiple source systems, this kind of reporting is difficult to control. \u201cThese requirements require disclosure about business performance, governance and risk management, valuation methodology, plus large amounts of prescribed data about capital, solvency, risk profile and other financial matters,\u201d says Carmela Owens, alliance manager at Tagetik. \u201cIn addition, these disclosures must be made publicly available and can run to over 100 pages of data, analysis and commentary. Teams face tight deadlines to provide reports which often include multiple sets of audited US GAAP statements and statutory reports.\u201d<\/p>\n

Merger and acquisition (M&A) activity adds more complexity, as new companies are incorporated into existing systems and processes. \u201cInsurance companies must actively consider their risk exposures to current and future investments over extended timeframes and ensure they have sufficient capital reserves to cope with potential risks,\u201d says Owens.<\/p>\n

Digitization is key to overcoming these challenges, enabling automated processes that speed up turnaround times and reduce error. \u201cBig data holds the potential for improvements in customer segmentation, risk calculation, fraud identification and other areas,\u201d says Owens. \u201cThe challenge is to cost effectively enhance the IT infrastructure and capabilities, either internally or through off-the-shelf systems.\u201d<\/p>\n

More than 750 customers in over 35 countries \u2013 including Talanx, Manulife, Generali, Aegon, and Allianz \u2013 count on Tagetik to achieve those goals. \u201cTagetik automates and controls the regulatory and risk management reporting process with a single solution that provides built-in financial intelligence and collaborative workflow, reducing the time it takes to produce regulatory reports and eliminating the errors that occur in heavy manual processes,\u201d explains Owens. \u201cWe also provide a comprehensive, pre-packaged application to handle the current and future reporting obligations of companies that need to comply with European Solvency II standards.\u201d<\/p>\n

Tagetik can be deployed on-premise or in the Microsoft Azure cloud, and enables finance teams to manage processes with little IT support. \u201cInternal management reporting, external reporting and regulatory reporting can be managed through Tagetik\u2019s Performance Books, which uses Microsoft Office as its interface, making it easy for the end user to work with,\u201d says Owens. \u201cBut unlike standalone Office documents, Tagetik\u2019s reporting information is stored in a database, so any changes made to underlying numbers are automatically reflected in documents, notes and disclosures. Numbers are subject to rigorous validation and business rules that ensure all is in balance before being presented.\u201d<\/p>\n

The solution\u2019s forecasting and modelling capabilities enable insurers to quickly compare scenarios and conduct \u2018what-if\u2019 analyses, supporting better decision-making and assisting in preparation for M&A activity, says Owens. \u201cStructural changes are effectively handled to provide insight into the impact of events such as the value of the investment at any stage, net equity impact or rollover into a dividend. In addition, multi-standards awareness is provided to handle US GAAP and IFRS, and to show year-over-year comparisons. Cash flow is automatically calculated, as double-entry logic is part of the system.\u201d<\/p>\n

Multi-dimensional reporting, delivered through familiar technologies, is key to enabling the efficient analysis that is critical to today\u2019s insurance businesses. \u201cTagetik enables insurers to immediately analyse results, model and compare the full financial statement impact of business scenarios, adjust the plan, and update rolling forecasts,\u201d says Owens. \u201cAnalysis can be delivered through Analysis Services, Reporting Services and PowerBI, leveraging the skills of Microsoft-trained internal resources. Insurance executives can see the profitability of each product, analyse which policies are underperforming and why, and quickly understand the impact of business decisions on the firm\u2019s profit and loss, cash position and financial performance.\u201d<\/p>\n

By automating many of the manual processes involved in financial management, insurers can enable themselves to meet current and future industry demands, concludes Owens. \u201cInsurers gain more time to focus on analyzing the data, rather than producing it. This enables them to respond flexibly to the inevitable changes as regulators and the industry continue to debate and adjust the requirements.\u201d<\/p>\n

Find out more by downloading <\/strong>Microsoft\u2019s <\/strong>Perspectives on Insurance Risk Modelling<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Carmela Owens of Tagetik told us how the company is helping insurance companies around the world to simplify and streamline business processes.<\/p>\n","protected":false},"author":843,"featured_media":9933,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"ms_queue_id":[],"ep_exclude_from_search":false,"_classifai_error":"","_classifai_text_to_speech_error":"","footnotes":""},"categories":[1523,4255],"post_tag":[],"content-type":[1483],"coauthors":[4311],"class_list":["post-1876","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-services","category-insurance","content-type-thought-leadership"],"yoast_head":"\nRisk Modelling in Insurance: Unified corporate financial management - Microsoft Industry Blogs<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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