IP Consulting — Actuariat · Modélisation
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    Multi-agent regulatory review, made auditable

    An AI pipeline reads 86 published Solvency II SFCR reports and grades each one against a 158-point disclosure rulebook — grounded in every report's own text, cross-checked by two models, and rendered as the interactive dashboard below. A controlled accelerator with a full audit trail, not a black box.

    86
    public SFCR reports
    158
    regulatory checks
    11,465
    graded verdicts
    2
    models cross-checked
    The idea

    Reading the rulebook so the reviewer doesn't have to

    An SFCR is a long, structured disclosure with dozens of mandatory items across the Annex XX sections. Checking one by hand is slow; checking a market of them is a project. The rulebook becomes a machine-readable checklist and AI does the first pass — with the discipline an actuary expects: every verdict cites the page it came from, conditional rules are handled, and the quantitative templates are checked by code.

    Two models grade the same checklist independently. When they agree, that's a strong signal. When they don't, the conflict isn't hidden behind an average — the dashboard flags it for a human. The point isn't to replace the reviewer; it's to hand them a triaged, cited, defensible starting point.

    RAG-grounded rulebook

    The 158 checks are derived from the binding texts — Solvency II Directive, Delegated Regulation, the ITS templates, EIOPA Guidelines and the French ACPR overlay. Every verdict is anchored in the report's own words with a page citation: retrieval over the regulation, not the model's memory.

    Multi-agent cross-check

    Two independent frontier models grade the same rulebook. Where they agree, that's consensus; where they genuinely disagree, it's surfaced as 'to review' rather than averaging the conflict away. Verification, not a single opinion.

    Custom interactive dashboard

    A bespoke, fully offline, zero-dependency dashboard: a market overview, per-report drill-down, category radars, and a gap list — built to the exact shape of the question, not a generic BI tool.

    Actionable remediation

    Each shortfall comes with a plain-language fix and the precise regulatory reference, so a finding is the start of a to-do list — not just a red flag.

    Market findings

    What 11,465 sourced verdicts revealed

    A text-detection benchmark across the public sample—not a legal conclusion about any entity.

    87.7%
    average disclosure score
    Median: 89.9%
    ~95%
    strongest category
    System of governance
    ~63%
    weakest category
    Quantitative templates (QRT)
    ~70%
    French overlay
    ACPR-specific disclosures
    Traceability & human review

    The output is a review interface, not a verdict

    Every proposed correction retains the chain from report wording to requirement, source, remediation and human decision.

    01

    Report text

    The exact sentence and page supporting—or failing to support—the finding.

    02

    Requirement

    The applicable control, article and conditional applicability rule.

    03

    Remediation

    A grounded correction is proposed in language the reviewer can inspect.

    04

    Human decision

    The reviewer accepts, edits or rejects; the tool never signs off.

    Where models disagreed

    69 verdicts were flagged—not averaged away

    In the cross-checked subset, genuine disagreement was marked “to review” and excluded from the score. A plausible page reference was not accepted when it matched a template rather than the report text.

    The dashboard

    Explore the live demo

    Fully interactive and anonymised. Use the market view to compare segments, then open a report to see its category profile and the cited gap list. The interface is in French — the reports are French SFCRs.

    Beyond the demo

    The same engine, pointed at your own work

    This demo runs on public reports. The same approach runs privately on your material — as a repeatable, audit-trailed review step.

    In-house disclosure QC

    Run the checklist on your own SFCR / RSR / ORSA drafts before submission — a cited gap list and remediation list, on demand.

    RAG over your corpus

    A grounded assistant over your regulatory texts, internal policies and model documentation — answers with citations, not guesses.

    Model-doc & migration review

    Apply the same grounded, cross-checked review to model documentation and Python migrations — completeness and consistency, with an audit trail.

    Method & primary sources

    The rulebook is inspectable

    The controls are derived from the applicable European disclosure framework and the French supervisory overlay.

    Apply the same review discipline to your own draft

    Run a defined, cited checklist over an SFCR, RSR, ORSA or another controlled document before submission.

    Scope & honesty. This is an automated, text-based completeness review — a decision-support proxy, not a compliance audit or legal advice. Agreement between models indicates consistency, not proven accuracy. The two-model cross-check applies to the subset of reports graded by both models. All entities are anonymised for this public demo.