AI Diligence // Insurance & financial services # The model is the product. The regulator knows it. Underwriting, pricing, claims, fraud, credit decisioning — in financial services the AI is the operating model, and it runs inside a supervisory regime. An ungoverned model isn't a technical debt item. It's an exam finding, a remediation order, and a fine. Book a scoping call → What typically breaks ↓ The confirmatory assessment — the actual product, not a mockup. 01 // The four surfaces ## Four surfaces, read for this sector. The method doesn't change. What changes is where the risk concentrates — and in insurance & financial services, it concentrates hard. Operational — why it matters Claims and servicing automation touches the customer outcome the regulator examines . Product — why it matters A pricing model is a regulated artifact. If it can't be explained, it can't be defended — in an exam or in court. Market — why it matters The supervisory perimeter is moving faster than the models. Today's compliant model is tomorrow's finding. Financial — why it matters Here the AI finding becomes a number the hard way: remediation cost, capital, and penalty. 02 // The failure modes ## What typically breaks in insurance & financial services. These are the findings we look for first — ranked by how often they turn up, and what they hit when they do. Frequency reflects what we look for and how often it surfaces in this sector — not a published benchmark. Sector baselines are built from completed engagements and released only when the sample supports them. 03 // One finding, priced ## A finding is only real when it has a number. The finding Value at risk What it becomes Live pricing model with no disparate-impact testing and no explainability path $5.4M Remediation escrow · specific indemnity Why it matters A supervisory finding waiting to happen, in a book you're about to own Illustrative finding · representative of this sector, not a specific client engagement. 04 // How you buy it ## Screen fast. Then go deep. Pre-LOI ### Flash Screen A go/no-go read before the diligence budget commits. ≈ 10 SME hours included - Composite score and red-flag triggers - Sector failure modes checked first - Screen memo: proceed, price, or pass Confirmatory ### Full Assessment The IC-defensible read, sized to your window. ≈ 70 SME hours included - All eight weighted domains, evidence-linked - Management and technical interviews - Findings → terms working session - IC readout and 100-day plan input Sector Healthcare services → Sector Software / SaaS → Sector Insurance & financial services → Sector Industrials & distribution → Sector Business & professional services → Sector AI infrastructure & specialty industrials → Sector Payments & fintech → ## Don't sign for AI you haven't seen. Bring us the target. We'll score the AI behind it — with the insurance & financial services failure modes checked first — and hand your deal team the price, the terms, or the walk. Book a scoping call →