Digital workforce for financial institutions

An enterprise-grade AI platform, deployed with you by teams who know your domain. A partner, not a vendor.

Solutions

Claims Management

Workers run the claims process end to end. They read each claim, triage it, check it against the policy and settle it. Your handlers step in only when a claim needs their judgement, with the evidence already gathered and every step on record.

of handler capacity released
40–50%
shorter cycle times, from FNOL to payment
30–40%
better fraud detection
Up to 2x

Workers read every submission as it arrives, request any missing information, check it against your guidelines and recommend a decision within your underwriting authority. Your underwriters spend their time on the risks that need them.

of underwriter capacity released
30–40%
uplift in hit and renewal rates
2–3 pts
more submissions quoted
20–30%

Workers gather the data each quote needs and apply your pricing rules to price it. Your pricing team spends its time refining the rules, not working through individual quotes.

improvement in loss ratio
1–2 pts
uplift in quote conversion
2–4%
faster quote turnaround
50–70%

Workers vet new suppliers, compare quotes and match invoices to orders and contracts. Your team signs off on each check, and every check is on record for audit.

faster supplier onboarding
50–60%
of invoices matched with no manual touch
80–90%
savings on addressable spend
2–4%

Settle claims fast and consistently

Workers run the claims process end to end. They read each claim, triage it, check it against the policy and settle it. Your handlers step in only when a claim needs their judgement, with the evidence already gathered and every step on record.

of handler capacity released
40–50%
shorter cycle times, from FNOL to payment
30–40%
better fraud detection
Up to 2x

Introducing the Mellon Agentic Operating System

Your teams and Workers on one platform, where every step is governed, tested and recorded

Mellon's Pods view for the person who runs the platform: six pods of Workers, 38 Workers in all and 30 of them live, each pod with its state, data source connections, applications and health.

Long-Running Worker

Case Manager: a whole process, start to finish

One Worker takes a case from start to finish, reasoning through each step and waking other Workers when the work needs them.

Read more about the Long-Running Worker

Before and after

From scattered tools to one operating surface

All your work in one place instead of a dozen tools: the Workers do the legwork, and you decide.

The same submission (SUB-2291, Northgate Trading, marine cargo), handled two ways. Today it is spread over a spreadsheet, a document of notes, the team's chat and a to-do list. In Mellon it is on the Underwriting Operating Desk, with the Worker's recommendation to refer it to the Group Head for final approval, its sources, what it did and the facts it read.

#marine-underwritingnowThe email says €4.2m but the schedule says €4.0m

Marine_bordereau_Q3_FINAL_v3
fx=VLOOKUP(A5,Rates!A:C,3,FALSE)
ABCDE
1RefInsuredLimit (€)Premium (€)Status
2SUB-2279Baltic Shipping1,200,00018,400Bound
3SUB-2284Harlow Foods850,00011,050Bound
4SUB-2288Oresund Metals2,600,00031,200Referred
5SUB-2291Northgate Trading4,200,000#N/APending?
6SUB-2293Pyrmont Textiles640,0008,960Quoted
7SUB-2296Castor Pharma3,100,000#REF!Bound
8SUB-2297Lindqvist Paper920,00012,420
9
10
11
12
13
Bordereau Q3RatesLimits (old)
14
ZIPNorthgate pack.zipPDFbinder-2026 (2).pdfPDFguidelines v11.pdfPDFguidelines v12 FINAL.pdf
XMarine_bordereau_Q3_FINAL_v3.xlsx—▢✕
FileHomeInsertFormulasDataReview
E5fx=VLOOKUP(A5,Rates!A:C,3,FALSE)
ABCDEF
1RefInsuredCargoLimit (€)Premium (€)Status
2SUB-2279Baltic ShippingElectronics1,200,00018,400Bound
3SUB-2284Harlow FoodsFrozen goods850,00011,050Bound
4SUB-2288Oresund MetalsSteel coils2,600,00031,200Referred
5SUB-2291Northgate TradingMachinery4,200,000#N/APending?
6SUB-2293Pyrmont TextilesGarments640,0008,960Quoted
7SUB-2296Castor PharmaPharmaceuticals3,100,000#REF!Bound
8SUB-2297Lindqvist PaperPaper rolls920,00012,420
Bordereau Q3RatesLimits (old)Sheet4
WSUB-2291 Northgate notes.docx—▢✕
FileHomeInsertLayoutReview

Northgate Trading, marine cargo

Received 12 Aug through the broker portal. The rest of the pack is in my email.

Requested limit €4.2m. Our authority is €3m? Or €3.5m, check the guidelines (v11 or v12??).

Bound twice before, last one in March I think. Old binder is in the shared drive.

Treaty: CAT XL, renewed?

Two fields missing from the pack. Chase the broker.

Comment

Which version is current? Someone said v12.

✆Marine underwriting—▢✕
UWMarine underwriting8 members
Anyone seen the Northgate schedule?09:31It's in my email, forwarding now09:33The email says €4.2m but the schedule says €4.0m10:02Which guidelines are we on, v11 or v12?10:05v12 since January, I think10:06Can someone check our authority before I quote?10:48
Type a message
Ntodo.txt - Notepad—▢✕
FileEditFormatViewHelp
- chase Northgate for 2 missing fields
- authority 3m or 3.5m ??
- is the CAT XL treaty still in force
- update the bordereau (again)
- reply to the broker by 5pm
- find the March binder
XW✆N@1411:52
12/08/2026

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