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.

Architecture Principle

Capabilities are NOT projects. Insurance decision systems ARE projects.

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

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

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"
}

Insurance Systems Using This Engine

This engine powers 4 production insurance systems:

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

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.

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)  # []

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

What This Prevents

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

License

Apache 2.0

Organization

BDR AI Organization

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