Validation via Regulatory Agencies Qorus-NTT DATA Innovation in Insurance Awards 2026

The project was conceived with the objective of raising the level of reliability, security and regulatory compliance in the broker credentialing processes of the Bradesco Seguros Group through systemic integration with the main regulatory bodies in the market: the Brazilian Federal Revenue Service (RFB) and SUSEP.

The central concept of the initiative lies in the automatic and early validation of CPF and CNPJ registration data — covering individual brokers, corporate brokers, partners and solicitors — directly in the official RFB and SUSEP databases, even before the registration process advances in the corporate portals or integrates with SAP. In this way, the project transforms a historically declaratory process into a preventive, intelligent and truth‑oriented flow.

The motivation for developing the project arose from a critical scenario: the absence of systemic validations allowed invalid or inconsistent CPFs, CNPJs and SUSEP codes to advance through the Institutional and Business Portals, directly impacting the corporate database and subsequent processes, including governance and audit obligations. Beyond the operational risk, this scenario generated rework, registration inconsistencies and fragility in fulfilling regulatory requirements.

With respect to competition and market practices, it was observed that many organizations in the sector still perform validations manually or at later stages, often disconnected from the main credentialing flow. This project differentiates itself by incorporating regulatory validation natively and automatically at the beginning of the broker journey, positioning Bradesco Seguros at a higher level of digital maturity and registration governance.

The project's main sources of inspiration included audit findings, increasing regulatory requirements and the strategic need for data quality from the origin, in addition to the adoption of modern architectures based on corporate APIs. The use of the RBRF API for CPF and CNPJ validation with the Federal Revenue Service, and the SUSEP Consultation API for checking broker regularity and technical responsibility, materialize this vision by integrating official data securely, consistently and at scale.

The project involved multiple departments collaboratively, with emphasis on Information Technology, IT Architecture, Registration Management, Governance and Quality, as well as Business and Compliance areas, ensuring alignment between technical, regulatory and operational requirements throughout the development cycle.

Key outcomes include fraud prevention and the blocking of inconsistent CPFs, CNPJs and SUSEP codes at the origin, strengthened compliance with audit and regulatory requirements, significantly improved data quality sent to SAP, reduced operational rework and automatic enrichment of the registration base with real‑time official validations — consolidating a safer, standardized, scalable process aligned with best practices in governance and digital transformation.