From month-long reconciliation to one-week close.

ATLInsurance
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Customer:
ATL Insurance Group
Industry:
MGA / Underwriting Agency
Regions:
Australia, New Zealand

Outcomes a glance.

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Month-end went from 4 weeks to 1 - a 75% reduction in reconciliation time.
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Handle 3x the volume without growing the finance team.
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The work got better - not just faster.
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Efficiency gains by identifying and fixing issues with internal processes.
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Audit readiness improved dramatically. 

About ATL Insurance Group

ATL Insurance Group is a specialist transport operator underwriting agency delivering comprehensive Heavy Motor Transport insurance solutions across Australia and New Zealand. ATL manages complex insurance portfolios for transport operators ranging from small and medium fleet operators to taxi and rideshare services, partnering with brokers to provide tailored coverage through their digital platform.

The challenge.

"It was just too much manual work. Our team was spending weeks reconciling, chasing payments, fixing errors. We had four different policy systems, and nothing matched. The workload wasn't sustainable."

- Cara Cronje, Head of Finance for Agencies, ATL Insurance

ATL Insurance Group had grown rapidly through acquisitions. Each new acquisition brought new complexity with it - different policy admin systems, varying bordereaux formats and inconsistent processes. The finance team was slowly drowning in spreadsheets and endless reconciliations.

Month-end consumed the entire month. Finance staff were stuck doing repetitive data entry and manual reconciliation instead of supporting the business. And with growth showing no signs of slowing, something had to change.

The solution.

"Grappler felt like a natural fit," says Cara. "It's intuitive, almost like playing Candy Crush. You click a few buttons, it does the hard work, so you just deal with the exceptions."

- Cara Cronje, Head of Finance for Agencies, ATL Insurance

ATL chose Grappler based on strong recommendations from industry peers who'd already implemented it successfully. Rather than replacing systems, Grappler sits on top of their existing environment - integrating with all four policy admin systems and providing a single source of truth.

What Grappler automated:

  • Premium reconciliation across multiple systems
  • Month-end close with daily trial balances and exception-based reviews
  • Bordereaux reporting for insurer payments and regulatory compliance
  • Independent reconciliation against bank balances to catch issues missed by policy systems
  • Credit control with full audit trails, segregation of duties and document storage


“Working with ATL was a perfect example of what happens when you really understand the business problem,” explains Grappler’s Product Specialist, Lisa Kachappilly. “They had four different policy systems after acquisitions and generic accounting tools couldn't bring it all together. We gave them one place where everything reconciles back to the bank - independently and automatically."

The results.

"Our job satisfaction went up massively. Instead of manual processes, we can spend time on things that really support the business. Grappler has been a game changer."

- Cara Cronje, Head of Finance for Agencies, ATL Insurance

 1.  A 75% reduction in reconciliation time.

Month-end went from four weeks to one week

2. The team could handle 3x the volume.

As ATL continued acquiring new books of business, Grappler absorbed the complexity. The finance team went from eight people struggling with the workload to four people managing triple the portfolio.

3. The work got better, not just faster.

Finance staff moved from manual drudgery - as Cara puts it "sitting in spreadsheets dealing with a crapload of manual processes," - to higher-value work like forecasting.

4. Independent bank reconciliation revealed hidden issues.

Because Grappler reconciles independently back to bank balances (not just to policy systems), ATL discovered issues with internal processes that needed fixing.

5. Audit readiness improved dramatically.

Daily reconciliations and complete audit trails meant ATL was always ready for scrutiny, and not scrambling for data at audit time.

Key to success.

"Grappler turned reconciliation from a month-long slog into a one-week cycle. We handle triple the work with a leaner team, and everyone's happier because they're doing work that actually matters."

- Cara Cronje, Head of Finance for Agencies, ATL Insurance

  1. Grappler understood the business first.
    The Grappler team don’t just implement software – they challenge and suggest better approaches based on their insurance expertise. “They’re knowledge and willingness to step in and really challenge the status quo," says Cara. "When you've been doing manual processes for a long time, you get stuck thinking it's the only way. Grappler helped us see better options."
  2. It handles M&A complexity.
    With acquisitions being a constant reality for ATL, having a platform that could absorb new policy systems without requiring full system replacements was crucial.
  3. It is genuinely easy to use.
    Despite the complexity handled behind the scenes, the interface is intuitive. "You click a few buttons, it matches, and it's done," says Cara.

See Grappler in action.

Book a demo to see how the Grappler handles your specific insurance accounting workflows. Or if you have questions about implementation or integration, talk to our team.

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