MARK — Submission Intake Engine
Creates consistent, review-ready case files from fragmented broker submissions.
The problem MARK solves
Intake fragmentation forces underwriters to reconcile structure before they can assess risk.
Format chaos
Submissions arrive in inconsistent structures across brokers and channels.
Manual reconciliation
Early underwriting effort is spent validating, correcting, and re-keying basics.
Decision noise
Variance enters before risk appetite and governance can apply consistently.
Up to 40% of underwriter time is spent fixing fragmented submissions
Sources: WNS Underwriting 2030
~50% of underwriters spend 3+ hours/day on manual data entry
Sources: Canadian Underwriter
What changes in
day-to-day underwriting
MARK stabilizes intake before underwriting decisions are made.
Consistent starting points
Submissions enter underwriting as structured, comparable case files.
Missing data surfaced early
Omissions and inconsistencies are identified upfront, before review begins.
Cleaner downstream decisions
Underwriters start from a stable baseline, reducing early rework and decision noise.
What MARK is designed
to measure
MARK makes intake quality observable and governable.
Where MARK fits
MARK operates upstream of risk evaluation and governance—ensuring consistent inputs before downstream decision logic is applied
Submission completeness at intake
Frequency and type of missing attributes
Variance in broker-provided exposure data
Early indicators of escalation risk
Underwriting governance is only as strong as the intake it rests on. MARK turns submissions into decision-ready case files.
Standardize the starting point, and downstream appetite, guidance, and oversight become enforceable—without adding process friction for underwriters.
Evaluate MARK in your
intake flow
See how MARK fits into your existing submission and underwriting process.
Explore the Persisto suite
Underwriting intent is often documented—but rarely enforced consistently at decision time.
