Did You Know?

The platform is for evaluating and undertaking of credit and political risk.

Artificial Intelligence used as it should be.

Most insurance AI is just hype. Scoll down to see what actually works, and learn about the ways we already utilize AI, and how we plan to expand.

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Artificial Intelligence Empowering the Underwriting Process

Zenik AI Agents deliver automation, speed, and accuracy to underwriting administration and back-end workflows. See how we turn scattered inputs into decision-ready insights – automatically collating data, generating clear summaries, providing fully traceable rationale, and streamlining workflows. With Zenik, underwriters spend less time on administration and more time focusing on high value risk assessment and analysis.

Your Workflow, Now AI-Enabled

Developed in partnership with EPAM Systems, our approach combines deep AI engineering with real-world insurance expertise to deliver practical AI solutions for the insurance market.

Zenik’s AI agent automatically extracts data from emails and attachments, saves documents, and creates a new underwriting deal entry - all directly from these extracted data sources.

Once data extraction is complete, the user validates and verifies extracted data, with full visibility of the original source and the AI’s logic for every extracted entry.

We Aim to Enrich Zenik AI Experience Even Further

AI steps in as an evidence engine, not a black box. It pulls from licensed and open sources—and your saved submissions—then structures, cites, and ranks what’s material. Findings are checked against your risk appetite, governance rules, and compliance frameworks so outputs are decision-ready, not just “summaries.” Routine research and admin get automated; judgment stays with the underwriter. And when you need bespoke help, the AI Underwriting Assistant answers in context of the specific deal and portfolio, with traceable reasoning and an audit trail.

AI Underwriting Assistant

Our AI Assistant works in the same manner as the other tools you've gotten used to. The conversational UI makes sure you can ease into use, whenever you need it

Agentic Approach

AI agents can extract data from open sources like news outlets as well as subscription data from 3rd party data providers and saved submission documents.

Streamlining the Workflow

This not only streamline the research and data gathering process but will also summarize and analyse the data in conjunction with risk appetite, governance and compliance frameworks - all admin tasks that underwriters currently undertake...

Conversational UI

...and if bespoke assessments or assistance is required, then the in-built AI Underwriting Assistant is there to help. Just ask it question and it will respond leveraging not only public data, but also all the deal and portfolio data and experience for context. (

Case Intelligence

Specialized agents that do the grunt work: review, monitor, extract, validate. You stay in control, they handle the evidence.

AI Peer Review​

Runs a disciplined second opinion on the case, scoring risk and citing rules and precedents. Highlights gaps, suggests practical tweaks on tenor and clauses, and lets you push findings to the memo. Each run is saved, so changes and decisions are fully traceable.

AI News Mining​​

Continuously gathers credible updates on obligor, project, sector and country, then distills the signal with links back to sources. Use it to surface material developments fast, reduce research time, and export a clean summary straight into the underwriting memo.​

AI Document Analysis​

Ingests PDFs, Word and sheets, extracting limits, terms, schedules, parties and clauses into structured data. Flags inconsistencies versus house standards and preserves line-level citations. Re-run any time to create a fresh, timestamped snapshot and variance report.​

AI Fraud Risk Analysis

Checks identity, beneficial ownership, document integrity and network anomalies to catch issues early. Returns a calibrated fraud level with characteristics, evidence and next steps, and logs every run—so escalation, remediation and audit are fast and well-documented.​

Risk & Context Reviews

From obligor fundamentals to country and sector dynamics - one coherent story with benchmarks, sources and a clear line to structure.

AI Credit Review​

Builds a concise credit profile with rating indication, outlook and history, plus leverage, coverage and liquidity trends against peers. Calls out covenant pressure and data gaps, cites its sources, and gives you a crisp foundation for price, tenor and structure.​

AI Country Review

Standardizes country risk into rating, outlook and history with a clear narrative of political, macro and regulatory drivers. Maps likely impacts on transferability, enforceability and volatility, links every claim to sources, and keeps prior runs for comparison.​

AI Industry Review​

Frames the sector context you need for pricing and structure: global level, country deltas, demand and supply dynamics and regulatory themes. Benchmarks typical deal patterns seen in market and portfolio data, and lets you add the key points directly to the memo.​

AI Political Risk Review​​

Assesses exposure to sanctions, expropriation, contract frustration and institutional reliability. Produces a blended PRI score with outlook and top drivers, cites sources, and translates the read into practical guidance on security, tenor and covenant design.​

Underwriting Reimagined:
Leveraging Multi-Agent AI

Zenik’s AI Agents automate repetitive data extraction and entry, assisting with core workflows and research throughout the underwriting process. Emails are ingested, deals are set up, data is structured, policies and compliance are checked, and research is summarized - all automatically.

The result? Processes that once took 140–280 minutes are now completed in just 20–40 minutes, without missing a single critical step.

With Zenik, AI Agents handle the repetitive workflow and admin tasks, freeing underwriters to focus on what matters most: reviewing deals in depth, making better-informed decisions, and diving deeper into risk analysis.

The time saved can be invested in marketing and building client relationships, growing the pipeline, managing the portfolio, tracking market and sector trends, forecasting, or developing new strategies and skills.

As AI takes care of more manual back-end work, underwriters gain the freedom to deliver sharper analysis, smarter risk selection, and more impactful underwriting decisions.

Contact Us

  • Zenik Solutions AG
    Hegibachstrasse 30
    8032 Zürich
    Switzerland

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