Agents can read the file, propose the settlement and pay the small ones in minutes. TraceMem holds every payment to the authority your handlers already work to, and sends anything above it to the one person who can sign it off.
Or call us on +1 650 550 1418
claims-agent, for Priya Shah, proposes a settlement of
€18,500
What the model read, after TraceMem
On the record for this claim
Who the agent worked for, what it read, what the model saw, the policy version that applied, and who signed the payment off.
Who it reaches, under claims_settlement_authority, version 3
Held for Marta Kowalski
Team lead, asked in Microsoft Teams. Nothing is paid until Marta answers.
Illustrative claims. Names, amounts and limits are made up; the limits are yours to set.
Each stage hands an agent somebody else’s documents. Pick a stage to see what goes wrong without a governed path, and what TraceMem does instead.
First notice of loss
Taking a claim from an email, a web form or a transcribed call, photographs and documents attached.
Without a governed path
A bystander's face in a dashcam still and a full driving licence go to the model provider.
With TraceMem
Faces and identity documents are painted over before any model sees the images, and a retried write cannot open the same claim twice.
PII ProtectionSome of these already apply and some are still coming. Between them they ask how automated decisions were made, who was accountable and where the data went, and only a record kept at the time can answer.
Dates checked against each regulator’s own publication, September 2026. Not legal advice.
None of these involved an AI agent. Each was a system acting for an insurer, and each came down to decisions nobody could account for, or data that went where it should not.
Mobile phone claims and complaints were handled on its behalf by a third-party administrator, and some claims were unfairly declined or not investigated adequately.
What it came down to
Claims decided in its name, without the oversight to see how they were decided.
For an agent, with TraceMem
Every action an agent takes on your behalf names who it acted for, the rule that applied and who decided.
Decision TraceAttackers pulled driver's licence numbers and dates of birth out of online quoting tools and an agent portal, for about 120,000 New Yorkers.
What it came down to
Automated tools that exposed identifiers they should have kept back, and a portal without multi-factor authentication.
For an agent, with TraceMem
Identifiers are tokenized before a prompt leaves your network, and every caller is verified against your own directory.
PII Protection2019 to 2022 · US Senate staff report, 2024
8.7% to 22.7% denied
Its denial rate on prior authorization requests for post-acute care rose from 8.7% in 2019 to 22.7% in 2022, as it used an algorithm-driven review tool. Lawsuits over the tool are pending, and their claims are allegations.
What it came down to
Coverage decisions shaped by an algorithm, with a person's part in each one hard to show.
For an agent, with TraceMem
Above the limits you set, an agent cannot decide. One named person does, and the record says who.
Policy and ExceptionsPut in your own numbers. What your agents read and paid before a governed path is in place can never be recorded afterwards.
21 working days a month. Your numbers stay in your browser.
In 6 months of waiting
100,800
Agent actions with no record of what they read, what the model saw or who signed them off.
Pick whichever is quickest for you. However you get in touch, a person replies. With our forward-deployed engineers, TraceMem can be running inside your network in days.
Talk to us now
45days, free
Free for 45 days on our Docker-based trial image, inside your own network. When you are ready, it upgrades to the full enterprise product.
Forward-deployed engineers, ours or our partners', can set it up in days and help you define policies and integrations. This may be charged separately.