Tacit information
Senior Underwriters' Risk Judgement Heuristics
The informal rules of thumb senior underwriters apply to borderline risks that fall outside the rules engine.
Information Advantage assessment
Information Advantage Score
57 / 100
Confidence: not yet assessed -- add evidence below
| Factor | Score | Weight | Contribution |
|---|---|---|---|
| Uniqueness | 5 / 5 | 20% | 1.00 |
| Quality | 2 / 5 | 12% | 0.24 |
| Depth | 5 / 5 | 8% | 0.40 |
| Freshness | 2 / 5 | 6% | 0.12 |
| Connectivity | 2 / 5 | 10% | 0.20 |
| Actionability | 3 / 5 | 14% | 0.42 |
| Economic Value | 2 / 5 | 18% | 0.36 |
| AI Readiness | 1 / 5 | 12% | 0.12 |
Seeded assessment for the demonstration dataset.
Assessed 8/29/2026
Information Leverage
How much organisational impact this asset could influence -- a separate measure from Information Advantage above, never combined with it. Computed from the decisions and frictions this asset is actually linked to below, not asked for directly.
Medium (57/100)
- decisionReach: band 2/5 × weight 0.25 = 0.50
- decisionFrequency: band 3/5 × weight 0.25 = 0.75
- decisionImportance: band 4/5 × weight 0.25 = 1.00
- workflowReach: band 2/5 × weight 0.15 = 0.30
- peopleAffected: band 3/5 × weight 0.1 = 0.30
Not incorporated: "decision importance" and "economic consequence" are collapsed into one proxy (decisionCostEstimate) -- no field distinguishes them; "people affected" is only ever populated from linked Frictions, not from any Decision-level field, since none exists.
Evidence
What backs the score above, factor by factor. Recalculated into the Confidence figure the next time this asset is re-assessed.
No evidence recorded yet -- this is currently an opinion, not yet backed by anything checkable.
AI Opportunities
No opportunities generated from this asset yet.
CLEAN status
CLEAN status
- Capture→ Identified information asset
- –
- Label→ Contextualised asset
- –
- Evaluate→ Quality/value/uniqueness assessment
- ⚠
- Align→ Business decision/use-case alignment
- ⚠
- Nurture→ Continuous improvement and monitoring
- –
Next: Interview the holders and codify this expertise before it's lost to turnover.
Assessed 8/29/2026
Friction & Diagnosis
Where this asset shows up as the information behind a friction, or in a diagnosis of one.
Ownership & source
- Department
- Underwriting
- Source system
- —
- Owner
- Chief Underwriter
- Business process
- Complex risk underwriting
- Format
- Tacit / undocumented
Volume & freshness
- Approximate volume
- Held by ~12 senior underwriters
- Historical depth
- Built over 15-25 year careers
- Update frequency
- Ad Hoc
Governance
- Accessibility
- Restricted
- Data quality
- Poor
- Sensitivity
- Internal
- Regulatory considerations
- —
Value & usage
- Existing usage
- Applied informally during referral review; not captured anywhere.
- Current business value
- Materially reduces bad-risk acceptance beyond what the rules engine catches.
- Potential future value
- The single highest-value candidate for structured capture — directly trains a decision-support AI.
Competitive position
- Competitor accessibility
- Near Impossible
- Could a competitor reproduce this?
- No
- Additional tacit knowledge held by employees?
- Yes
- Tacit knowledge notes
- Exists only in the heads of a small group nearing retirement — a real succession risk.