veriscopicInfrastructure for defensible decisions

Use case 03 · Delegated authority decision replay

Delegated Authority
Decision Replay

Understand a delegated decision later — using the authority, evidence and context that existed at the time. Veriscopic preserves the authority, evidence and context that governed the decision — so its historic state can be replayed rather than reconstructed.

Can the organisation still replay what governed that decision?

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Replayable Decision Record

Illustrative state · no customer record
Delegated settlement decision
Decision time
Illustrative decision point
Policy
Applicable policy / wording version
Authority
Delegated authority then in force
Reserve
Settlement position
Evidence
Evidence relied upon
Human
Handler / underwriter judgement
State ID
VDS-DA-SETTLEMENT-01
Illustrative / synthetic Decision Record

Existing delegated-authority environment may already hold

Useful records remain. The material relationship can still disperse.

  • Binder, year of account and section
  • Participating insurers and bordereaux
  • Claim records, policy information and documents
  • Attachment validation, notes and workflow status

Veriscopic preserves at the decision point

The state that made the decision intelligible.

  • Delegated authority then in force
  • Binder / section and applicable wording
  • Evidence, thresholds and limits relied upon
  • Referral, approval, judgement and human / AI contribution
  • Outcome and decision timestamp

Existing systems hold the pieces. Veriscopic preserves the Decision-State they formed at the time.

Where Veriscopic sits

From delegated workflow to a replayable decision.

Designed to integrate around existing insurance workflows. The capture boundary preserves the material, time-bound relationship around the decision — not every event.

The outcome remains visible. Its decision-state begins to disperse.

  1. External workflow01Existing delegated workflow
  2. Decision point02Consequential delegated decision
  3. Veriscopic preserves03Material Decision-State preserved
  4. Replayable record04Replayable Decision Record
  5. Later consumption05Later audit, review or challenge

Concrete scenario

A delegated settlement decision is made under a binder.

At the decision

At the decision · delegated settlement
  • The applicable binder, section and delegated authority were identified.
  • Policy wording, evidence and the settlement position were available and relied upon.
  • Referral, approval, human judgement and the decision timestamp formed part of the state.

Later

Later · audit, review or challenge
  • A managing agent, capacity provider, auditor or reinsurer asks what governed the settlement decision made within that authority.
  • The authority, people, evidence and current claim state may have changed since the decision.

The question is not only where the claim attached — but what governed the decision within that authority.

Reconstruction Burden

Preserve at the decision. Replay when it matters.

Reconstruction Burden is the effort required to recover historic decision-state after authority, evidence and context have fragmented.

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