Duck creek data validation framework with row-level hash reconciliation, aggregate period reconciliation and statutory reconstitution of NAIC Pages 14/15, Schedule F, Schedule P and state DOI filings. Signed evidence pack for external audit and state examiner review.
Generic ERP-to-ERP validation tools don't know what a case reserve is, how unearned premium should earn, or how Schedule F reconciles. Insurance-finance validation needs purpose-built logic.
P&C insurance finance has rules that don't exist in any other ERP domain. Premium earns over the policy term per a daily-pro-rata or 24ths-method curve — not at the moment of receipt, not at the moment of invoice, not at the moment of binding. Case reserves and IBNR move independently of paid claims and reconcile per the actuarial reserve model. Reinsurance cession produces parallel AR (recoverables) and AP (ceded premium) entries that have to pair to originating policy or claim per the treaty configuration. Salvage and subrogation recoveries reverse the original loss postings. NAIC Annual Statement Pages 14 and 15 segment premium and loss by state and line in a structure no commercial ERP supports natively.
Generic ERP-to-ERP validation tools can confirm that AR invoice counts match and AR invoice sums match. They cannot confirm that earned premium curves are correct per policy, that case reserves roll forward correctly, that Schedule F reconciles per treaty per bordereau, or that Pages 14/15 tie out cell-by-cell. Insurance-finance validation is its own discipline — and skipping it is what produces statutory audit findings that turn into state DOI examiner write-ups, that turn into reputational and capital-treatment issues.
Syntra ETL's duck creek data validation framework was built specifically for P&C insurance carrier integrations to Oracle Fusion. It encodes insurance-finance semantic understanding — earned-premium curves per LOB and state, reserve roll-forward per claim feature, cession calculations per treaty configuration, Schedule F and Schedule P aggregations per NAIC structure, state-DOI filing reconstitution per state filing template. Three layers run together — row, aggregate, statutory — and the output is a signed evidence pack that statutory accountants, external auditors and state DOI examiners can rely on.
The specific tests that prove the integration produced statutory-grade output.
Source Duck Creek policy and claim transaction counts vs Fusion-loaded counts per LOB per state per period. Variance threshold zero.
Written, earned and unearned premium plus paid loss, paid LAE and case reserves reconciled per period per LOB. NAIC Pages 14/15 totals tied out.
Per-policy earned-premium curve recomputed from Duck Creek source and compared to Fusion GL postings. Daily-pro-rata or 24ths-method method consistency confirmed.
Beginning + new claims + adverse development - paid losses - favorable development = ending reserves. Reconciled per claim feature per period.
Reinsurance ceded balances per treaty per bordereau period reconciled. Recoverable aging tied out per cedant. Schedule F reconstituted cell-by-cell.
PT-1 premium tax filings, surplus lines filings, state-specific assessments — reconstructed from Fusion and tied out against Duck Creek-originated versions.
Validation runs at four cadences — real-time, daily, monthly, quarterly — to keep the integration's actual state aligned with statutory expectations at all times.
Every Duck Creek financial event flowing through the integration into Fusion is hash-validated at the moment it lands. Hash mismatches alerted immediately and replayed before the next event in the queue. Mean time to detection: under 30 seconds.
Full row-level and aggregate reconciliation runs as part of the overnight close. Reconciliation pack delivered to the controller and head of statutory reporting first thing in the morning. Daily variance threshold: zero.
Full statutory reconciliation runs as part of month-end close. NAIC Pages 14/15, Schedule F and Schedule P comparisons delivered to steering within 5 business days. State DOI filings reconstituted and tied out.
Full evidence pack archived for SOC 1 audit retention. Pack signed by controller, chief actuary, chief reinsurance officer, head of statutory reporting and head of internal audit. Immutable timestamped archive ready for external audit and state examiner review.
Annual Statement reconstituted from Fusion and tied out cell-by-cell against Duck Creek-originated version. Statutory accountants review and sign before filing. State DOI examiners can pull validation evidence on demand.
Statutory accountants and external auditors pull validation evidence directly from the archive. State DOI examiners receive filing reconstitution lineage on request. No reconstruction work required during exam season.
The artifact that statutory accountants, external auditors and state DOI examiners rely on.
Every source extract with row counts, sum totals and hash signatures per partition. Signed and timestamped at extraction.
Duck Creek source vs Fusion target hash-for-hash and value-for-value with any variances itemized to the row. Zero-variance threshold.
Period totals per LOB per state per period with zero variance threshold. NAIC Pages 14/15 tied out cell-by-cell. Variances itemized.
Treaty cession reconciled per treaty per bordereau period. Recoverable aging tied out per cedant. Schedule F reconstituted cell-by-cell.
Loss-development triangles reconstituted from Fusion-loaded data and compared to Duck Creek-originated versions for the prior 10 accident years.
Controller, chief actuary, chief reinsurance officer, head of statutory reporting and head of internal audit signatures with date and version. Immutable archive.
Duck creek data validation is the structured post-load reconciliation process that proves every Duck Creek-originated financial event reached its right Fusion home with the right value, the right COA coding and the right insurance audit context. Validation runs after every Duck Creek-to-Fusion load and produces a signed evidence pack that statutory accountants, external auditors and state DOI examiners can rely on. Three layers of validation operate together: (1) row-level — every policy transaction, claim payment, reserve entry and cession entry reconciled hash-for-hash and value-for-value between Duck Creek source and Fusion target; (2) aggregate — period premium, loss and reserve totals reconciled per LOB per state, NAIC Pages 14/15 totals tied out; (3) statutory — Schedule F reinsurance, Schedule P loss-triangle and state-DOI premium tax reports reconstituted from Fusion and compared cell-for-cell to Duck Creek-originated versions.
Generic ERP-to-ERP data validation doesn't handle the P&C insurance translation gap. A Fusion AR invoice for premium-due isn't a direct one-to-one copy of a Duck Creek policy transaction — it's the output of a translation rule that takes the policy transaction plus the line-of-business code plus the state plus the policy period plus the earning method and produces one or more Fusion postings spread over the policy term. Validating that the translation ran correctly requires understanding both the Duck Creek source semantic and the Fusion target semantic and the insurance-finance translation rule that connects them. Syntra ETL's duck creek data validation framework encodes that understanding — it knows how earned premium curves should look, how case reserves should roll forward, how cession should reconcile to treaty terms, and how Schedule F should aggregate. Generic ERP validation tools cannot do this and skipping the validation step is what produces the statutory audit findings that derail P&C insurance modernization projects.
Every policy transaction extracted from Duck Creek is content-hashed at the source — typically a SHA-256 of (policy ID + transaction effective date + transaction type + premium amount + commission amount + line of business + state). Every claim financial event is similarly hashed (claim ID + feature ID + transaction date + amount + transaction type + LOB). Post-load, the corresponding Fusion AR/AP/GL postings are re-hashed using the same algorithm and matched back to source. Hash matches confirm the row-level integrity. Hash drift identifies the exact transaction that did not translate correctly, and surfaces the specific field that diverged. Volume is not a problem — typical P&C carriers run 60M+ financial events over a 10-year backbook, and the row-level reconciliation completes in 4–8 hours on commodity cloud infrastructure.
Aggregate validation operates one level up from row-level. The Syntra duck creek data validation framework computes period totals per LOB per state per fiscal period from Duck Creek source — written premium, earned premium, unearned premium reserve, paid loss, paid LAE, case reserve, IBNR, ceded premium, recoverables. The same totals are computed from Fusion-loaded data. The two sets reconcile to the cent with a zero variance threshold. Variances trigger investigation before sign-off. NAIC Annual Statement Pages 14 and 15 columns are reconstituted from both sides and tied out cell-by-cell. Schedule F treaty balances reconcile per treaty per cedant per bordereau period. Schedule P loss-development triangles reconstitute and compare against Duck Creek-originated versions.
Statutory validation reconstitutes regulatory filings against Fusion-loaded data and compares them to Duck Creek-originated versions cell-for-cell. The validation suite reconstructs NAIC Annual Statement Pages 14 and 15 (premium and loss by state and line), Schedule F (reinsurance ceded), Schedule P (loss development triangles), Schedule T (state premium volume) plus state-by-state PT-1 premium tax filings and surplus lines filings. The reconstructed versions compare against Duck Creek-originated versions. The carrier's statutory accountants review the reconciliation pack and sign off before the integration enters production. External auditors then perform their independent review, drawing on the signed reconciliation evidence to confirm migration integrity. Without statutory validation, the first NAIC annual filing post-migration becomes a discovery exercise — and that's where carriers get into trouble with state DOI examiners.
A signed timestamped pack with five sections. Section 1 — extraction manifest: every source extract with row counts, sum totals and hash signatures. Section 2 — row-level reconciliation: Duck Creek source vs Fusion target hash-for-hash and value-for-value, with any variances itemized to the row. Section 3 — aggregate reconciliation: period totals per LOB per state per period, with zero variance threshold and any variances itemized. Section 4 — statutory reconciliation: NAIC Pages 14/15, Schedule F, Schedule P, Schedule T and state-DOI filings reconstituted and tied out cell-by-cell against Duck Creek-originated versions. Section 5 — sign-off page: controller, chief actuary, chief reinsurance officer, head of statutory reporting and head of internal audit signatures with date. Evidence pack is delivered as an immutable timestamped archive ready for external audit and state DOI examination.
Yes. The validation framework operates against the canonical event schema produced by Syntra's extractor, which normalizes events across OnDemand REST APIs and Platform DCSB/SQL. So validation is consistent regardless of whether a given carrier's Duck Creek estate is OnDemand-only, Platform-only, or hybrid. For hybrid estates, the validation explicitly tracks which deployment originated each event, so reconciliation between Duck Creek source and Fusion target can be reported per deployment plus consolidated. Hybrid carriers running a transition from Platform to OnDemand can validate that the integration produces consistent Fusion output across the transition — a transaction originated on Platform versus the same transaction originated on OnDemand should produce identical Fusion postings if the same LOB and state.
Three cadences. Real-time / per-transaction — every Duck Creek financial event that flows through the integration into Fusion is hash-validated at the moment it lands, with hash mismatches alerted immediately and replayed before the next event in the queue. Daily — full row-level and aggregate reconciliation runs as part of the overnight close, with the reconciliation pack delivered to the controller and head of statutory reporting first thing in the morning. Monthly — full statutory reconciliation runs as part of month-end close, with the NAIC Pages 14/15, Schedule F and Schedule P comparisons delivered to the steering committee within 5 business days of close. Quarterly — full evidence pack archived for SOC 1 audit retention. The ongoing validation cadence keeps statutory accountants and external auditors aligned with the integration's actual state at all times — no surprises at annual filing season.
30-minute call with our P&C insurance-finance integration team. We'll walk through your Duck Creek deployment, your NAIC and state DOI filing portfolio, your reinsurance program and your audit relationships — and scope a duck creek data validation framework before the call ends.