Roles and access
Each desk is one dropdown on the standard user form — Underwriting, Claims, Finance, Reinsurance, Actuarial, Configuration, Compliance & Audit and Administration — and each level carries the access and the buttons that go with the job. The add-ons bring four more: Reinsurance Manager, Appointed Actuary, Certificate Clerk and Stock Custodian.
| Desk | Levels, lowest first | What changes between them |
|---|---|---|
| Underwriting | Sales & Service › Underwriter › Senior Underwriter › Underwriting Manager | A senior underwriter may approve a referral only up to their own binding authority; above it, the manager approves. |
| Claims | Claims Assessor › Claims Handler › Claims Manager | The assessor registers and investigates but moves no reserve and no money. Settlement past a fraud review band waits for the manager. |
| Finance | Credit Controller › Finance Officer › Finance Manager | Credit control works instalments and dunning and posts nothing. Posting or reversing the unearned premium close and remitting levies is the finance manager's. |
| Reinsurance | Reinsurance Officer › Reinsurance Manager | The officer sees ceded positions here; putting a treaty in force and settling a bordereau arrive with the Reinsurance add-on. |
| Actuarial | Actuary › Appointed Actuary | Read access to the dated ledgers; signing off a reserving study or an IFRS 17 run is the appointed actuary's, with the Reserving add-on. |
| Compliance, Audit, Administration | Auditor › General Manager › Configuration Manager › Product Manager | The auditor reads everything and changes nothing. Products and rate tables belong to the product manager, not to whoever can open the form. |
Rules the system enforces for every role
- Whoever raised a claim payment may not approve it, and may not pay it straight from draft.
- A senior underwriter cannot approve an authority referral above their own binding authority.
- Posting or reversing the unearned premium close, and remitting statutory levies, needs the Finance Manager.
- A role that cannot take an action does not see its button, and the rule still holds however the action is attempted.
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