bdr-ai-org/bdr-decision-engine

BDR Decision Engine

🎯 Core Decision Operating System

The foundational orchestration engine for insurance decision intelligence.

This is NOT a standalone model. It is the reusable core engine that powers all insurance decision systems in the Bader AI platform.

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Architecture Principle

Capabilities are NOT projects.
Insurance decision systems ARE projects.

This engine is industry-agnostic. Insurance logic is injected via configuration.

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What This Engine Does

The BDR Decision Engine provides:

1. Agent Orchestration

• Multi-agent workflow coordination
• Sequential and parallel execution
• Agent state management
• Error handling and recovery

2. Input Normalization

• Schema validation
• Data type conversion
• Missing value handling
• Format standardization

3. Decision Routing

• Rule-based routing
• Confidence-based escalation
• Priority queue management
• Load balancing

4. Governance Hooks

• Pre-decision validation
• Post-decision logging
• Compliance checks
• Regulatory alignment (IFRS, AML)

5. Metrics Hooks

• Performance tracking
• Confidence distribution
• Escalation rate monitoring
• Turnaround time measurement

6. Human-in-the-Loop Overrides

• Manual decision override
• Override justification capture
• Audit trail preservation
• Feedback loop integration

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Standard Decision Contract

All systems using this engine output the same contract:

{
  "decision": "approve | reject | escalate | investigate | adjust",
  "confidence": 0.0-1.0,
  "rationale": "human-readable explanation",
  "risk_signals": ["fraud", "coverage_gap", "inconsistency"],
  "recommended_next_step": "string"
}

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Insurance Systems Using This Engine

This engine powers 4 production insurance systems:

System	Purpose	Capabilities Activated
ClaimsGPT	Claim approval decisions	vision_ocr, document_parser, vision_vqa, financial_analysis, risk_scoring, decision_optimizer
FraudSimulator-AI	Fraud detection	anomaly_detection, scenario_simulator, risk_scoring, financial_analysis
AutoRiskScoreEngine	Underwriting & pricing	financial_analysis, optimization_engine, time_series_forecasting, scenario_simulator
InsuranceKnowledgeAgent	Policy interpretation	language_rag, policy_clause_reasoner, document_parser

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Capability Module Interface

Each capability module must expose:

{
  "input_schema": {},
  "output_schema": {},
  "supported_decisions": []
}

Available Capability Categories

Vision & Documents (3 modules)

• vision_ocr - Extract text from images
• vision_vqa - Visual question answering
• document_parser - Parse structured documents

Language & Knowledge (3 modules)

• language_rag - Retrieval-augmented generation
• text_analysis - Text classification and NER
• policy_clause_reasoner - Policy interpretation

Risk & Analytics (4 modules)

• anomaly_detection - Detect unusual patterns
• risk_scoring - Calculate risk scores
• financial_analysis - Financial impact assessment
• time_series_forecasting - Predict trends

Decision Intelligence (2 modules)

• decision_optimizer - Optimize decision outcomes
• scenario_simulator - Simulate decision scenarios

Governance (4 modules)

• audit_logger - Log all decisions
• confidence_tracker - Track confidence scores
• override_handler - Manage human overrides
• drift_monitor - Detect model drift

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Governance Guarantees

✅ Every decision is logged
✅ Rationale is always stored
✅ Confidence is tracked
✅ Human overrides are recorded
✅ Audit replay is supported

Governance is shared across all systems - never duplicated.

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Usage Pattern

from bdr_decision_engine import DecisionEngine

# Initialize engine with config
engine = DecisionEngine(
    system="claims",
    enabled_capabilities=[
        "vision_ocr",
        "document_parser",
        "risk_scoring",
        "decision_optimizer"
    ],
    governance="strict",
    metrics="claims_kpis"
)

# Process decision
result = engine.process({
    "claim_id": "CLM-2026-001",
    "claim_type": "motor",
    "claim_amount": 5000,
    "documents": [...],
    "images": [...]
})

print(result.decision)      # "approve"
print(result.confidence)    # 0.92
print(result.rationale)     # "Claim meets all criteria..."
print(result.risk_signals)  # []

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Strategic Positioning

Bader AI — Insurance Decision Operating System

This engine is the foundation of the GCC reference architecture for insurance AI, designed for:

• Insurers - Production decision automation
• Regulators - Auditable AI governance
• System Integrators - Reusable decision infrastructure

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What This Prevents

❌ Demo chaos
❌ Capability sprawl
❌ Architectural drift
❌ Ungoverned AI outputs
❌ Non-insurance use cases

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License

Apache 2.0

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Organization

BDR AI Organization

Building the future of insurance decision intelligence for the GCC region.