1. Stop the Data Chaos and Get Covered Protecting Your Enterprise Systems Through Data Integrity Automation Mark Priebe, Sr., Solutions Consultant

2. 2 6 of the top 10 P & C Insurers of the top 10 Commercial Banks Maintain Order with Data Integrity Controls Infogix delivers enterprise wide solutions in three robust categories: CONTROLS ANALYTICS VISIBILITY Insurance Data Integrity Solutions End-to-End Enterprise Controls and Visibility Automated and Continuous Data in Motion: “In Flight” and “At Rest” Independent and Auditable Scalable and Customizable When combined, these suites provide executives with a powerful end-to-end process for making the right business decision in real time. 7 Reduce Risk & Support Compliance Global Support, Managed Services & Cloud-based offerings

3. Macro Industry Trends 3 Legacy Migration Increasing complexity of systems, applications and processes demand data integrity controls (Legacy to new systems) Compliance Mandates Increasing regulatory compliance requirements require end-to-end control of data Changing Business Models Changing business model and technology landscape assume quality data (Cloud, mobile, web, etc.) Actionable Results Competitive market driven by data/Information decision making requires predictive analytics

4. 2015 Insurers Outlook 4 Managing risk is the fundamental challenge of the insurance industry and the most effective way to reduce uncertainty and maximize profitability is to ensure your data is accurate and up-to-date. Data quality affects areas like risk assessment, customer satisfaction, mailings and business reporting, and strategic planning. Property and Casualty External Forces (Source: EY) Life- Annuity Insurance External Forces (Source: EY)

5. Ovum Research reported that poor quality data costs businesses at least 30% of revenues Data Integrity Challenges Facing Insurers Disparate systems/platforms Multiple Manual steps Lack of real-time operational reporting Product centric information silos Semi-automated controls Lack of visibility into process level information 5

6. 6 Data Data x2 Data Implications of Inaccurate, Inconsistent, Unreliable Data Non-Compliant, Revenue Leakage, Inefficiency, Customer Loss Finance Claims Marketing IT Distribution eCommerce Engineering Procurement Support Services Siloed Business Processes, Roles & Systems Indecisiveness Improper Decision- Making Data in motion * is the foundation of your business – Bad Data Cost $ * Transaction data Data

7. Core Systems are Complicated 7 Complex data integrity control integrations points require end-to-end controls

8. Core System Data Integrity Challenges 8 The Source System Incomplete or inconsistent data at the source increases risk when transferred to other target systems. External Data Provider or Vendor Data quality measures must be incorporated with all new data that enters a company’s database, especially from an outside provider. Complexity of Information Infrastructure Risk increases as the number of platforms, applications, and data volume increases. Data Transfer Process Data extraction requires proper controls to prevent errors with data structure logic and loading processes.

9. Infogix provides flexibility to evolve between deployment options Platform Flexibility 9 Customer ManagedInfogix Managed Customer Managed CloudOn-Premises

10. Two Approaches to Control Data Chaos: Silos or Enterprise Standardized End-to-End Controls with Enterprise Visibility 10 Intra System Data Controls Intra System Data Controls Intra System Data Controls Inter System Data Controls Inter System Data Controls Intra System Data Controls Intra System Data Controls Intra System Data Controls Inter System Data Controls Inter System Data Controls Custom Point-to-Point Controls with Limited Visibility by Silo End-to-End Transaction Tracking

11. Orchestrating Data Chaos Requires a New Approach 11 OR Enterprise Rules Based Controls Standardized and Automated Controls End-to-End Visibility Custom ETL/SQL Controls between two Points Point-to-Point Visibility Manual and Semi Automated Controls      

12. Control Data Chaos Starts in One or More Focus Areas 12 Infogix System Conversions & Migrations Claims / Premiums Reporting Statements Compliance Efforts e.g. Basel III,SOX SLA Management Financial & Regulatory Reporting Billing & Payments Card Processing General Ledger Data Warehouse

13. Distributed Platform Mainframe Policy Data Claims Data Investment Data Commissions Data G/L-Finance Extract, Transform, Load Claims Data Mart Financial Data Mart M.SHIP Data Mart Enterprise Data Warehouse Reporting Summary and detailed validation through data lifecycle Duplicate Format Balance Reconciliation Timeliness Industry Operational Best Practice 13 Analyze data nearest to the source

14. Value of End-to-End Controls Automated and Independent Controls Non-Intrusive and End-to-End Support Real-Time and Continuous Controls Enterprise Standardization Rules Based Controls 14

15. Real-Time Control, Monitoring, & Visibility for Insurance Claims Systems Data Warehouse Policy Systems Financial Systems Billing & Enrollment 15 Infogix Controls & Visibility into health of enterprise controls: -Real-time -Automated -End to End -Independent -Configurable, Rules Based -Monitor, Alert, Analyze CaptureCompareControlCommunicate Infogix Controls Verify source system inputs Validate cross-platform exchanges Check reasonability of information against historical data Balance/Reconcile in-line data from End to End Validation of business rules on all data Reconcile data to Sub-Ledgers and the GL Track critical data to ensure internal and external SLA’s are met

16. Example Integration Points with Core Systems 16 Data Integrity Controls Policy Claims Billing Infogix Data Integrity Control Points

17. Analysis around Data Quality Compliance Metrics Exceptions Loss Prevention Monitor Data Quality dimensions such as Completeness Type Conformance Value Conformance Consistency Visibility Demands Increasing 17

18. Dashboards to monitor PCI compliance Perform Audit on your process for improved risk management Visibility Demands Increasing 18

19. Customer Reported Benefits of End-to-End Approach Lower FTE costs through automation Track when, where, and how data abnormalities occurred Reduce reconciliation time Enterprise visibility into health of data Reduce risk in meeting corporate governance and regulatory requirements Monitor SLA’s Increase accuracy of end-to-end data quality 19

20. Savings Insurers Report from Using Automated Controls 20 Ensured errors were identified early 13,000 Errors Identified with a projected liability reduction in excess of $10M Ensured auto quotes matched up with billing Resulted in $2M of revenue accurately captured ComplianceQualityAutomation Ensured security access changes of departed EE’s 87% reduction in manual efforts Improved overall security validation by 95%

21. Problem: Inaccurate premium amount being recognized through quoting to billing process resulting in reg. fines, customer dissatisfaction and possibly incorrect financials Solution: Controls beginning with quote and through entire customer and financial lifecycle to ensure no unintended changes Value: Rolling 12 month of total difference in premiums identified (Benefit) = $3 – 4M Case Study Results: Automotive Premiums 21 Quoting Policy Admin Billing Onboarding GL Implication: Controls of an end-to-end process that can simultaneously reduce operational, financial, regulatory and customer churn risk Key takeaway – Controls can go beyond simple point to point balance – understand and optimize process by accounting for anticipated changes Agency Direct Top 5 P&C Insurer with over 12 million Policies in Force

22. Problem: Each state DOI requires certain “critical” forms be sent out to a customer based upon policy purchase/renewal, failure to do so can result in fines, unanticipated/compensated liability, customer dissatisfaction Solution: Transactional balancing controls to control/balance the intent of an action – sending proper forms (paper or paperless) – meeting regulatory needs and reducing liability risk Value: >13K individual errors have been identified with a projected liability reduction in excess of $10M Case Study Results: Forms 22 Key takeaway – Controls solve business and risk problems, not just balance financial and customer data. By understanding the risk and intent of a process we can design a solution to meet those needs Policy Admin Onboarding Forms Generation Print Top 5 P&C Insurer with over 12 million Policies in Force

23. Problem: With the adaptation of cloud and ASP based applications, organizations have less control over their data, but need to mitigate risk especially around financial data. With the purchase of a new 3 rd party Expense Management (T&E) application there was a need to ensure adequate control of the process Solution: Built controls to monitor all outgoing transactions and files to 3 rd party expense management solution as well as returning files to ensure completeness, timeliness and accuracy of financial reporting, SLAs with vendor and proper payment Value: Ability to hold vendor responsible for contractually agreed SLAs, meets SOX requirements and reduces risk of losing/misrepresenting financial data Case Study Results: Expense Management 23 Key takeaway – As more processing moves to the cloud and 3 rd party vendors being able to ensure accuracy of external processing and contractual obligations is critical to financial accuracy and risk management processes Cloud App for Processing “Portal”/API Oracle Landing Zone Processed Exceptions Disbursement/ Checkwriter (MVS) Top 5 P&C Insurer with over 12 million Policies in Force

24. Stop the Data Chaos and Get Covered with Infogix Automated Controls Compliance Driven Built-in complex business rules align with Insurance regulations - adaptable to updates Limited IT and Data Analyst Resource Needed Web based interface and preconfigured business rules and reports Flexible & Customizable Easily customize validations and dashboards to meet your specific requirements End-to-End Visibility and Reporting Monitor end-to-end operational, financial, and analytical performance Deployed Faster and for Less Cost than Internal Development User ready and can be deployed before looming deadlines 24

25. Stop by our booth to learn about the 4 C‘s 25 Protecting Your Enterprise Systems Through Data Integrity Automation Capture → Compare → Control → Communicate

26. What’s Next Let’s continue the conversation... 26