Malta's AI-powered Insurance & Regulatory Supervision Partner. Specialising in Solvency II compliance, ORSA supervisory reviews, MFSA regulatory requirements, and insurance governance — Emma delivers supervisor-grade analysis grounded in EU insurance regulation and Malta-specific MFSA guidance.
Own Risk and Solvency Assessments require deep actuarial and regulatory knowledge. Emma conducts 11-step supervisory ORSA reviews aligned with MFSA expectations.
The three-pillar Solvency II framework is extensive. Emma navigates quantitative requirements, governance, and reporting simultaneously.
Malta's insurance regulation combines EU-wide rules with MFSA-specific guidance. Emma integrates both for compliant supervisory outputs.
Emerging risks (climate, cyber, pandemic) require evolving methodologies. Emma identifies risks that traditional reviews miss.
Fit-and-proper, system of governance, and key function documentation are labour-intensive. Emma automates the analysis.
QRTs, SFCR, RSR — Emma validates data quality and structures reports per EIOPA templates.
Specify the insurance entity, lines of business, regulatory requirement, or supervision question.
Emma searches Solvency II directive, MFSA rules, EIOPA guidelines, and delegated regulations.
Conducts risk assessment, governance evaluation, solvency analysis, or ORSA review.
Produces supervisory reports, ORSA assessments, governance findings — ready for MFSA or board review.
Outputs meet MFSA supervisory standards — structured for regulatory submissions and board presentations.
Purpose-built 11-step ORSA review workflow with integrated risk and governance evaluation.
What takes compliance teams weeks is delivered in hours with full regulatory references.
Emma performs the full 11-step supervisory review: process assessment, risk identification, capital adequacy, forward-looking analysis, and report drafting.
Evaluates system of governance, assesses fit-and-proper compliance, reviews key function arrangements, and produces findings.
Maps current practices against Pillar 1, 2, 3 requirements, identifies gaps, prioritises remediation, and builds action plans.
Start a conversation with Emma for insurance regulatory expertise.
