Recover missed commissions by reconciling carrier statements automatically.
Stop chasing mismatches across PDFs, AMS exports, and email threads — PremiaOps reconciles every carrier statement and keeps producer payables accurate downstream.
Audit-ready reconciliation for carrier commission statements — every line in your suspense account explained, every ledger change approved by you.
Built for MGAs, wholesalers, and brokerages that still close commissions in Excel.
Commission reconciliation is still manual.
One statement. Weeks of follow-up. And numbers that still drift by month-end.
The reality today — one carrier, one monthly statement
Carrier statement lands in the inbox
Every carrier formats it differently. Someone has to open it and queue it up.
Team rebuilds the reconciliation spreadsheet
Export, paste, match — until the formulas break. Unmatched rows land in the suspense account.
Mismatches emailed to the carrier — now waiting
Discrepancies chased over email. Replies come in days, not hours.
Corrections re-keyed into every system by hand
Carrier confirms. Corrections re-keyed into every system by hand.
Underpayments go unnoticed
Some resolved. Others stuck in the suspense account. Nobody trusts the numbers.
Multiply this across every carrier, every month — and the suspense account becomes a permanent home for money that should've been resolved.
Every unmatched line that lingers there drags producer pay and close dates with it.
From carrier statement to corrected numbers.
Four steps — no spreadsheets, no re-keying.
Ingest any statement
Zero-template ingestion. PremiaOps reads any carrier statement — PDF, CSV, portal export — and maps every line to a policy in your AMS.
Automatically reconcile against your AMS
PremiaOps continuously matches every statement line to expected commissions in your AMS — no mapping, no spreadsheets.
Detect and explain mismatches
PremiaOps determines the root cause of each discrepancy — rate, policy, timing, or missing record — and identifies the correct financial outcome.
Push-button ledger update
Review, approve, and PremiaOps writes the correction back to your AMS and accounting with a full audit trail. Producer payables flow correctly downstream.
See it in action
From carrier statement to corrected numbers — in four steps.
Source · Carrier PDF
Nationwide Insurance
Commission Statement · Q3 2024 · Page 7 of 12
Extracted
Structured · Joined to AMS
142
Lines parsed
8
Columns mapped
PDF · CSV · XLSX
Formats supported
Nationwide_Q3_Commission_Statement.pdf
Handles any carrier format — no templates required
Rate mismatch
Statement applies 12%. Policy terms specify 15%. Delta: $1,404.00.
Policy change not reflected
Mid-term endorsement raised premium on 09/12. Statement uses pre-endorsement figure.
Missing record
Bound policy not present on statement. Expected commission: $4,200.00.
Timing difference
Premium booked in Q3 AMS cycle, paid in Q4 statement. Flag as timing, not underpayment.
Underpayment detected
Commission rate applied below contract terms
Delta
−$1,404.00
Carrier statement
Your AMS record
Root cause
Endorsement BWC-2024-08812-E1 signed 07/15/2024 raised the commission rate from 12% → 15%. Carrier statement was generated against the pre-endorsement rate table.
Resolution workflow
Request revised statement
Sent to Nationwide · 10/12/2024
Statement received
Revised statement validated · 10/15/2024
Resolve & syncReady
Push correction across AMS, accounting, and the commission record · Recovers $1,404.00
Owner
Sarah Chen · Finance Ops
Resolution
Carrier issued revised statement
Push-button ledger update
Corrections written to your systems of record after you approve — every change trail-linked to the source PDF.
BWC-2024-08812 · Rate corrected 12% → 15%
JE-2024-11847 · $1,404.00 correction entry
CS-NW-20241015-R1 · Linked to resolution
Outcome
Previously missed commission recovered. Payment request queued in accounting.
Recovered
$1,404.00
Most tools stop halfway
Pieces of the workflow are already solved — just never connected. That's why reconciliation still ends in a spreadsheet.
Statement parsers
Extract data from PDFs and CSVs.
Parses data only.
Ingests parsed data and feeds it into reconciliation, detection, and resolution workflows.
Commission systems
Calculate expected commission values.
Do not validate against carrier statements.
Compares expected commissions to actual carrier statement lines and identifies mismatches.
Accounting tools
Reconcile cash against invoices.
Do not understand commission logic or policy-level detail.
Reconciles commission data at the policy and transaction level with full context.
Dashboards
Show mismatches in charts.
Surface issues but do not resolve them.
Assigns ownership, tracks resolution, and syncs corrected values back to source systems.
Without that last column, resolution still happens in spreadsheets.
PremiaOps closes the loop
From carrier statement to a cleared suspense account — push-button ledger updates with a full audit trail.
What you get
Clear your suspense account in minutes
Every unmatched statement line explained and ready to resolve — not stranded for weeks.
Audit-ready ledger updates
Every correction links back to the source PDF and the AMS record. Clean books, happy auditors.
Correct producer payables
Clean carrier reconciliation means accurate producer splits downstream — every statement, every month.
Not another AMS. Not another GL.
PremiaOps is a reconciliation layer above your systems — fixing what falls between them.
We don't replace your AMS.
We reconcile against it.
We don't replace accounting.
We sync corrections back.
We don't touch payments.
We make sure they're based on accurate data.
Who is building this
Built by a team that has spent a career building high-scale systems where financial accuracy matters.
Experience across financial infrastructure, payments, and high-traffic platforms — from Wall Street systems to global media platforms.
Where we've built
Start with one carrier
Bring us your hardest carrier statement. We'll reconcile it against your AMS expectations with a full audit trail — before we ever touch your live data.
Design partner program
Frequently asked questions
Common questions about PremiaOps and the design partner program.
No. PremiaOps sits above your existing systems to reconcile differences between them. Your ERP, AMS, and accounting tools remain your systems of record — we ensure they stay aligned.
PremiaOps includes reconciliation, but goes further — it doesn't just flag mismatches. It helps teams investigate, assign ownership, resolve exceptions, and sync corrections back into source systems.
We handle commission and premium discrepancies such as rate mismatches, missing policies, short pays, timing differences, bordereaux gaps, and carrier statement inconsistencies.
We integrate with AMS platforms, policy systems, accounting tools (NetSuite, Sage, QuickBooks), and carrier statement formats (PDF, CSV, exports). We prioritize integrations based on design partner needs.
A small group of MGAs, brokers, and insurance teams helping shape PremiaOps. Partners get early access, onboarding support, and influence over product direction.
Mid-market insurance organizations with multiple carriers and recurring commission reconciliation across systems — especially teams still relying on spreadsheets or manual processes.
Every exception has a full workflow: assignment, review, approval, and sync. All actions are logged to create a complete audit trail for finance and compliance teams.
Most teams can start with a single carrier statement within days. Full integration depth depends on system complexity.