Carrier statements are hundreds of line items, dozens of formats, reissued every month. No agency audits them by hand and most don't audit at all. Atlas ingests every statement with our AI vision engine, extracts every row at 99.1% accuracy, matches each to your book, computes expected commission from the schedule engine, and surfaces variance — with chargebacks, GA-override hierarchy, splits, 1099-NEC, bonus attainment, persistency, projection, and aging all in production.
Commission reconciliation runs inside Atlas — not a separate Velora sister-product and not a third-party plug-in. The statement-ingest engine, match layer, and variance math share Atlas's database and audit log directly.
Upload a carrier statement PDF. Our AI vision engine extracts every row — account, policy, period, premium, commission — into structured CommissionEntry records, then matches each row to your book (exact first, fuzzy-contains fallback). 99.1% field-level extraction accuracy across 60+ format variants, audited against 4,200 statements.
The schedule engine resolves the contractual rate per carrier / product / effective date and computes expected commission per entry. Tiered, graded, heaped, and PEPM rate shapes are all modeled. GA overrides and downline / sub-producer splits resolve through the hierarchy resolver as first-class structured data on each entry.
Variance is computed (actual − expected) and flagged with reason. Chargebacks reverse on cancel-window cancels. Producer statements, persistency, projection, bonus attainment, aging, and 1099-NEC PDFs export from the same data. The reconciliation IS the dispute trail.
60+ carrier statement formats supported. Tables that span multiple pages, carriers that redesign layouts annually, scans of mailed statements — all extracted to structured rows.
Per carrier × product × effective-date schedule resolver computes expected commission for every entry. Rate shapes (tiered, graded, heaped, PEPM) all modeled in the schema. Variance is automatic, not a manual data entry step.
First-class hierarchy resolver and split engine. GA overrides, downline / sub-producer chains, and direct-write multi-producer splits all resolve to structured rows on each CommissionEntry — producer ID, percentage, amount, override level.
Cancel-window chargebacks reverse against the originating entry through the chargeback engine. Every reconciled entry keeps the source statement page, match method + confidence, and the variance calculation, so the reconciliation is the dispute packet.
PDF exports for all of it: 1099-NEC summary, producer statements, bonus attainment, persistency, projection, aging. Same source-of-truth ledger; same audit log on every line. No spreadsheet stage in between.
POST /api/v1/commissions/disputes/:id/draft returns a carrier-ready email. Deterministic template populates account name, policy, period, expected vs actual, variance, producer of record, and the match-basis evidence. When AI is enabled, our AI engine refines the body for tone — guarded against drift (response must still reference org name + a dollar amount or the deterministic body is returned). The route does not auto-send; the operator pastes into their carrier-relations email.
Field-level extraction accuracy of Atlas's AI vision pipeline on 4,200 carrier commission statements across 60+ format variants, audited line-by-line against ground truth. The extraction is one layer; the rest of the engine — schedule resolution, splits, GA overrides, chargebacks, 1099-NEC, bonus, persistency, projection, aging — runs on the same ledger.
POST /api/v1/commissions/disputes/:id/draft returns a carrier-ready subject + body off the variance trail.Send a recent carrier PDF. Inside 24 hours we'll parse it, match it to a sample book, resolve the schedule + splits + GA hierarchy, compute expected vs actual, and show you a live producer statement / 1099 / aging export from the same ledger.