Productivity
Fast access to information with intelligent search, filters and metadata.
Banks & insurance
Every file compliant.Every client answered faster.
Loan files, policies, claims and client correspondence in one secure place. Give your teams fast access to the right document, and your regulators a trail they can follow.
Fine-grained access. Complete audit trail. Built for regulated work.
Built for regulated financial servicesScroll to connect the institution
01Retail & commercial banking
02Insurance carriers
03Claims & underwriting
04Compliance & risk
FROM CLAIM TO AUDIT
One claim.
Every step on record.
Follow an insurance claim through Constellio: received complete, assessed against the right policy, settled within its approval limits and ready for the regulator’s questions.
- 01Receive
Start every claim with a complete file.
The claim form, photos and supporting reports are captured and classified in the client’s file the moment they arrive, from any channel.
- Every channel captured
- Documents classified
- One file per claim
- 02Assess
Find the policy in seconds, not days.
The intelligent search engine finds the policy and prior claims with filters and metadata, and a custom workflow guides the adjuster’s review.
- Intelligent search
- Filters and metadata
- Guided review workflow
- 03Settle
Approve within limits, sign without delay.
Approvals follow your authority limits automatically, and the settlement letter is signed digitally and filed with the claim.
- Authority limits respected
- Digital signature
- Decision on record
- 04Audit
Answer the regulator with the trail, not a project.
Every view, change and decision is logged. Export the complete history for an examiner, while retention rules keep each file for as long as required.
- Complete audit trail
- Retention rules applied
- Supports SEC and GDPR obligations
HOW IT WORKS
Every action leaves a trace.
Every trace links to the next.
As a claim moves forward, each event adds a linked entry to its audit trail. When the regulator asks, the whole chain is already there, in order and complete.
Claim fileCLM-2026-3301Logged
- 09:02Claim form and photos receivedClient portalCaptured
- 09:05Policy HP-88213 linked to the claimIntelligent searchLinked
- Day 3Adjuster review completedClaimsReviewed
- Day 4Settlement approved within authority limitClaims managerApproved
- Day 4Settlement letter signed and sentIOSignSigned
ACROSS THE INSTITUTION
Every team.
The same secure files.
Branches, underwriting, claims and compliance work from one repository, each with access that follows its role.
Teams across the institution
Branches
Client files ready at the counter.
Advisors open a complete client file (identity documents, agreements and correspondence) without searching several systems.
- Complete client files
- Onboarding documents captured
- Access by role
UNDENIABLE SUCCESS
Lower risk.
Faster answers.
Reduce compliance risk, automate business processes and centralise document access, with a low initial investment and rapid profitability.
Figure published by ConstellioROI
Return on investment
Up to 270%
Value returned compared with the initial investment, as published by Constellio.
Document risks, before and after controls
Illustrative. Positions show how controls move risks, not an assessment of your institution.
Why banks and insurers choose Constellio
Compliance
Support SEC and GDPR obligations with tracking and complete audit trails.
Collaboration
Transparent information sharing between teams, with access by role.
Customisation
An adaptable interface and features that scale with your institution.
Organizations that run on Constellio
ACROSS YOUR LINES OF BUSINESS
One platform.
Every regulated process.
Centralise access, trace every action, and give your teams validation processes that hold up.
Client onboarding
Open accounts with complete files.
Capture identity documents and agreements at the counter or online, and keep them in one client file ready for any review.
- IOCapture
- IOSign
Claims processing
From first notice to settlement, on one file.
Receive claims from every channel, guide the review with custom workflows and settle within your authority limits.
- Process automation
- IOSign
- IOSafe
Compliance & audit
Examinations answered from the record.
Export complete histories, apply retention rules and review access, supporting obligations such as SEC and GDPR.
- IOSafe
- Access management
Client service
Answer clients while they wait.
Find a policy, a statement or a letter in seconds with intelligent search, filtered by what each agent may see.
- IODrive
- Access management
THE FINANCIAL SERVICES TOOLKIT
Built for regulated work.
Ready for scrutiny.
Combine capture, workflows, signatures and governance around the files your regulators care about most.
01
Document capture
IOCapture
Capture claim forms, identity documents and correspondence from every channel.
In banking & insurance
Claims & onboarding documents
02
Digital signatures
IOSign
Sign agreements, policies and settlement letters digitally, with the signed copy on file.
In banking & insurance
Agreements & settlements
03
Document governance
IOSafe
Retention rules, fine-grained access and a complete audit trail for every file.
In banking & insurance
Client files & audit trails
04
Connected collaboration
IODrive
Work on files from the familiar desktop, always on the current version.
In banking & insurance
Underwriting & working files
Keep collaboration in Microsoft 365. Keep control in Constellio.
Connect Microsoft 365 and Teams so client files stay governed while your teams work in familiar tools.
QUESTIONS
Built around
regulated institutions.
What banks and insurers usually ask before a demo. If yours is not here, ask us directly.
Talk to a specialist
01Does Constellio replace our core banking or policy administration system?
No. Your core systems manage accounts, policies and transactions; Constellio manages the documents around them (claim files, agreements, correspondence) with workflows, signatures and governance. How they connect is defined during technical scoping.
02How does Constellio support SEC and GDPR obligations?
Constellio provides tracking, fine-grained access, retention and a complete audit trail. Your institution defines how these controls apply to its obligations, with its compliance and legal teams.
03Can we control access down to the document?
Yes. Fine-grained, role-based access management defines who can view, edit or approve each file, and every access is logged.
04Can approvals follow our authority limits?
Yes. Custom workflows route claims, loans and other files by amount, product or risk to the right approver, and record each decision.
05Where should we start?
Most institutions start with one high-volume process, such as claims or client onboarding. Constellio’s migration, governance and support teams can help plan a phased deployment.
YOUR NEXT EXAMINATION
Compliant by design.
Faster by default.
Let’s map a clearer, better-governed path for your claims, loans and client files.
Or write to contact@constellio.com. Open source at its core, hosted your way.
