Q

2.0

๐Ÿ›๏ธPublic Pensions & Retirement Systems

AI for the systems that pay retirement, healthcare, and survivor benefits.

Member 360ยฐ. GASB 67/68 reporting. Document AI. Employer file ingestion. Member services automation.

xAQUA augments your benefits administration team โ€” it does not replace them. Sit on top of your pension admin system, document repository, and actuarial files. Validated at a $300B+ public pension fund in fully private deployment. No data leaves your environment.

$300B+
AUM in production
3 weeks
From kickoff to first use case
8ร—
ROI in first quarter
xAQUA ยท Cezu โ€” Member Services
๐Ÿ‘ค
Look up member 4827193. Confirm beneficiary, service credit, retirement eligibility, and any open correspondence.
๐Ÿ›๏ธ
Member: J. Rivera
Active ยท 27.3 yrs service credit ยท Tier 2
Eligible for early retirement Sept 2026
Beneficiary on file: spouse Verified
2 open items: address change pending, beneficiary form submitted 11 days ago.
๐Ÿ‘ค
Project monthly benefit at age 62 vs age 65, with COLA, for service in formula 2% at 60.
Proven in production One of California's largest public pension funds reduced information retrieval from days to seconds โ€” fully private deployment, zero data egress.
The Challenge

Pension data is layered, fragmented, and unforgiving.

Public retirement systems sit on decades of legacy code, employer files in a hundred shapes, document archives no one has time to read, and reporting deadlines that do not move.

๐Ÿ—„๏ธ

Pension Admin Systems Hold the Truth

PASS, V3, Vitech, LRS, Ariel, custom mainframes โ€” every system speaks its own dialect. Member, service credit, contributions, and retirement files don't reconcile cleanly. Cross-system questions take days.

10โ€“30 yr legacy codebases in most funds
๐Ÿ“‘

Document Backlog Is Invisible

Beneficiary forms, divorce decrees, QDROs, USERRA notices, employer corrections โ€” millions of pages buried in document repositories. Staff cannot answer member calls without retrieving them by hand.

~70% of member service time spent on lookup
๐Ÿ“Š

Reporting and Audit Pressure Compound

GASB 67/68, actuarial valuations, board reporting, employer reconciliation, federal reporting โ€” each one assembles the same data in a different shape. Every audit cycle is another fire drill.

Weeks per cycle, every cycle
How It Works

One AI data foundation. Sits on top of your existing systems.

xAQUA does not replace your pension administration system. It does not store your member data. It sits above your stack and turns plain English into governed, auditable execution.

DATA SOURCES xAQUA UDP โ€” AI DATA FOUNDATION CONSUMERS Pension Admin System Members ยท Service Credit ยท Contrib Employer Reporting CSV/EDI/XML ยท Monthly & Annual Document Repository Forms ยท QDROs ยท Beneficiary Health & Insurance Retiree health ยท Coverage ยท Claims Actuarial & Investment Valuations ยท Asset data ยท Returns Member & Call Center Web/IVR ยท Case mgmt ยท Email ๐Ÿ• Cezu โ€” Plain-English Concierge Routes intent ยท Asks for clarification ยท Hands off to agents SIX AI DATA AGENTS Steward Member 360ยฐ Governance PII ยท Quality Engineer Pipelines Analyst SQL ยท Q&A Scientist Forecasting BI Reports Pension Semantic Layer Member ยท Service Credit ยท Beneficiary ยท Plan ยท Tier ยท Formula Governance ยท Audit ยท Lineage PII masking ยท RBAC ยท Full action audit ยท Data lineage Connectors โ€” sits on your stack Snowflake ยท Databricks ยท DuckDB ยท MotherDuck ยท Postgres ยท S3 Member Service Reps Answer in seconds, not hours Members & Retirees Self-service via portal & chat Actuarial & Finance Valuation extracts & analytics Executive & Board GASB ยท Trust ยท Operations Auditors & Compliance Lineage on demand Employer Reporters Validation & reconciliation xAQUA stores no member data. Sits on top of the systems you already own.
1
Connect, don't copy xAQUA federates queries across pension admin, document repos, employer files, and actuarial systems. No data movement required to start producing value.
2
Plain English in, governed answers out Cezu routes intent to the right AI agent. Six specialized agents share one pension semantic layer โ€” Member, Service Credit, Beneficiary, Plan, Tier, Formula.
3
Compliant by default Every action logged. PII masked at the field level. RBAC enforced at every step. Full lineage from question to source. Auditable from day one.
Scope of Coverage

Every function a public retirement system runs.

xAQUA covers the operational, analytical, and reporting workload across the lifecycle of a member, from first contribution to survivor benefits.

๐Ÿ‘ฅ
Member Services
Lookup & eligibility
๐Ÿ“Š
Service Credit
Reconciliation
๐Ÿข
Employer Reporting
File ingestion
๐Ÿ“‘
Document AI
Forms & QDROs
๐Ÿงฎ
Actuarial Data
Valuation prep
๐Ÿ“‹
GASB Reporting
67 & 68 automation
โš•๏ธ
Retiree Health
Coverage & OPEB
๐Ÿ’ฐ
Benefit Calc
Projection & payout
โš–๏ธ
Disability & Survivor
Case mgmt
๐Ÿ›๏ธ
Board Reporting
Trust & ops
๐Ÿ”
Audit & Lineage
Full traceability
๐Ÿ›ก๏ธ
FWA & Anomaly
Overpayments
The Solution

Your AI Pension Data Team โ€” six agents, one platform.

Each agent is a specialist. Together they cover the full data team workload โ€” from ingestion to insight, from governance to delivery โ€” augmenting your benefits and IT staff, not replacing them.

๐Ÿ“š
Member 360ยฐ Intelligence
AI Data Steward ยท SemantIQ ยท Entity 360

A unified, governed view of every member, retiree, beneficiary, and dependent โ€” assembled from your pension admin system, document repository, and employer files.

Identity resolution across legacy IDs and tier transitions
Service credit reconciliation across employers
Plain-English member lookup for service reps and members
๐Ÿ›ก๏ธ
Trust, Privacy & Compliance
AI Data Governance ยท Qualix ยท SenseMask

PII protection, data quality monitoring, and audit-grade lineage built into every action. The compliance posture pension boards and CIOs already require.

Field-level PII masking on SSN, DOB, address, beneficiary
Continuous data quality scoring on member files
Full action audit โ€” who asked what, when, with what answer
โš™๏ธ
Employer File Engineering
AI Data Engineer ยท Composer

Validate, transform, and reconcile employer payroll and contribution files โ€” the source of truth for service credit. Catch bad data before it corrupts member accounts.

Automated schema mapping for hundreds of employer formats
Anomaly detection on contribution and earnings files
Reconciliation reports for employers in minutes
๐Ÿ“‘
Document AI for Member Records
RAGConvo ยท Steward

Beneficiary forms, divorce decrees, QDROs, USERRA notices, employer corrections โ€” extracted, classified, and made retrievable in plain English.

"What's the most recent beneficiary form on file for member X?"
QDRO and DRO interpretation with citation back to the page
Auto-link documents to member records and case files
๐Ÿ“Š
Actuarial & Forecasting
AI Data Analyst ยท AI Data Scientist ยท ClickML

Cut actuarial data preparation from weeks to days. Project retirement waves, model COLA scenarios, and stress-test demographic assumptions on demand.

Audit-ready actuarial census files with lineage
Retirement-eligibility cohort projections by tier and formula
Liability and cash-flow scenario modeling
๐Ÿ“ˆ
GASB & Board Reporting
AI BI Specialist ยท Narratix ยท DataLens

Board-ready GASB 67/68 packages, trust dashboards, and operational scorecards โ€” auto-generated with narrative commentary and full data lineage.

GASB 67/68 packages with footnotes and prior-year comp
Real-time trust health and operational metrics
Auto-narrated executive summaries that cite the data
A Day in the Life

From a member question to an audited answer โ€” in seconds.

A typical member service interaction. Same flow holds for board questions, employer reconciliation, and actuarial requests.

๐Ÿ’ฌ STEP 1 Plain English Member or rep asks Cezu ๐Ÿ• STEP 2 Cezu Routes Identifies intent, picks the right agent โš™๏ธ STEP 3 Agents Execute Steward + Analyst + RAGConvo run query ๐Ÿ›ก๏ธ STEP 4 Governance RBAC, PII masking, action logged ๐Ÿ’ก STEP 5 Answer Returned With citations, lineage, sources ๐Ÿ“‹ STEP 6 Auditable Replayable, exportable, defensible FROM QUESTION TO AUDITED ANSWER Average response: under 4 seconds. Average call handle time: down 60%. ~1s ~0.5s ~2s parallel ~0.5s always-on Total: under 4 seconds end-to-end ยท Audit log persisted asynchronously
Production Validation ยท $300B+ AUM

A major California public pension fund deployed xAQUA fully private โ€” and saw 8ร— ROI in the first quarter.

Information retrieval that used to take days now takes seconds. Member service reps answer questions in real time without leaving the conversation. The fund's data team kept their existing systems, kept their security posture, and added an AI data team on top.

One of California's largest public pension funds Fully private deployment ยท No data egress ยท Live in three weeks
3 wks
From kickoff to first live use case
8ร—
ROI delivered in the first quarter
days โ†’ sec
Information retrieval latency
0
Bytes of member data leaving the fund
Use Cases

What public pension teams ship on xAQUA.

Concrete workflows already running in production or scoped for first-quarter delivery at peer funds.

๐Ÿ‘ฅ

Member Service Co-Pilot

Service reps ask questions in plain English and get a complete member view with citations โ€” beneficiary, service credit, eligibility, recent correspondence โ€” without switching screens.

๐Ÿ“‹

Actuarial Census Prep

Generate audit-ready census extracts with full lineage. Catch anomalies โ€” service credit gaps, salary outliers, missing tier indicators โ€” before the actuary does.

๐Ÿ”„

Service Credit Reconciliation

Reconcile service credit across multiple employers, plan tiers, and historical transitions. Flag mismatches with explanations a reviewer can act on.

๐Ÿ“Š

GASB 67/68 Automation

Auto-assemble GASB packages with footnotes, supporting schedules, and prior-year comparatives. Lineage from every figure back to source records.

๐ŸŽฏ

Retirement-Eligibility Outreach

Identify members approaching key milestones and produce personalized outreach lists with benefit projections and missing-document flags.

โš ๏ธ

Overpayment & Anomaly Detection

Catch deceased-member payments, duplicate disbursements, and contribution anomalies. Each flag includes the data trail and a recommended action.

๐Ÿ“‘

Document AI for Beneficiary & QDRO

Locate, classify, and interpret beneficiary forms, QDROs, divorce decrees, and employer corrections โ€” with the page citation and the parsed data.

๐Ÿข

Employer File Validation

Catch bad employer reports before they corrupt member accounts. Push back to employers with specific, actionable correction reports in minutes.

๐Ÿ›๏ธ

Board & Trustee Reporting

Trust health, member demographics, fund operations, investment performance โ€” auto-generated dashboards with narrative summaries and drill-down.

Security ยท Sovereignty ยท Compliance

Compliant by default. Auditable by design.

Public retirement systems carry fiduciary, statutory, and member-trust obligations the platform has to meet from day one. xAQUA is built for that posture, not against it.

๐Ÿ”’
Fully Private Deployment
VPC or air-gapped. No member data ever leaves your boundary.
๐Ÿ›ก๏ธ
PII Protection
SenseMask field-level masking on SSN, DOB, beneficiary, address.
๐Ÿ“‹
Full Action Audit
Every question, every answer, every source. Replayable, defensible.
๐Ÿ”
RBAC & SSO
SAML/OIDC integrated. Role enforcement at every step of the agent loop.
๐Ÿ“Š
Data Lineage
Every figure traceable back to source. Audit-ready by default.
โš–๏ธ
GASB-Aligned
67/68 reporting workflows mapped to disclosure requirements.
๐ŸŒ
GovCloud-Class
FedRAMP-aligned posture. Deploy in AWS GovCloud or on-prem.
๐Ÿšซ
Zero Storage
xAQUA stores no member data. Sits on top of your existing stack.
Measurable Impact

Pension teams ship faster. Members get answered. Trust holds up.

These are reference outcomes from production deployments and scoped pilots at peer funds.

85%
Faster Reporting
Actuarial & GASB cycles compressed from weeks to days
60%
Lower Call Handle Time
Reps answer in seconds without screen-switching
3 wks
Implementation
vs. 6โ€“9 months for traditional integration
100%
Audit Ready
Full lineage and action log on every output

Bring an AI data team into your retirement system.

A scoped 30โ€“60 day pilot against your specific use cases. Live in your environment. No data egress. Ground the conversation in reality, not slideware.