https://www.insurerbrain.com/w/index.php?action=history&feed=atom&title=Definition%3AManaged_file_transfer_%28MFT%29Definition:Managed file transfer (MFT) - Revision history2026-05-02T15:17:16ZRevision history for this page on the wikiMediaWiki 1.43.8https://www.insurerbrain.com/w/index.php?title=Definition:Managed_file_transfer_(MFT)&diff=7885&oldid=prevPlumBot: Bot: Creating new article from JSON2026-03-10T13:27:41Z<p>Bot: Creating new article from JSON</p>
<p><b>New page</b></p><div>📁 '''Managed file transfer (MFT)''' is a technology platform that enables the secure, automated, and auditable exchange of data files between systems, partners, and stakeholders — a capability that sits at the heart of insurance operations where vast quantities of [[Definition:Bordereaux | bordereaux]], [[Definition:Policy administration | policy]] data, [[Definition:Claims processing | claims]] files, and [[Definition:Regulatory reporting | regulatory submissions]] must flow reliably between [[Definition:Insurance carrier | carriers]], [[Definition:Reinsurance | reinsurers]], [[Definition:Broker | brokers]], [[Definition:Managing general agent (MGA) | MGAs]], and third-party vendors. Unlike ad hoc methods such as email attachments or basic FTP servers, MFT solutions provide encryption in transit and at rest, delivery confirmation, error handling, retry logic, and centralized audit trails that meet [[Definition:Regulatory compliance | regulatory]] and [[Definition:Data privacy | data-privacy]] requirements.<br />
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🔧 In a typical insurance deployment, an MFT platform orchestrates scheduled and event-driven file exchanges across the enterprise. A [[Definition:Coverholder | coverholder]] might submit monthly bordereaux in a prescribed format; the MFT system validates the file structure, transforms data into the carrier's internal schema, routes it to the appropriate [[Definition:Policy administration system (PAS) | policy administration]] or [[Definition:Data warehouse | data warehouse]] system, and logs every step for compliance purposes. When errors occur — a malformed record, a failed connection — the platform alerts operations staff and queues the file for reprocessing without manual intervention. Leading MFT products support protocols including SFTP, AS2, HTTPS, and FTPS, and many now offer [[Definition:Application programming interface (API) | API]]-based connectors that bridge traditional batch workflows with modern real-time integrations.<br />
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🔐 Reliable, governed file exchange underpins the data supply chain that modern insurance depends on. Without it, the handoffs between [[Definition:Delegated underwriting authority (DUA) | delegated authority]] partners and capacity providers break down, [[Definition:Premium | premium]] accounting falls out of sync, and [[Definition:Regulatory reporting | regulatory filings]] miss deadlines. As the industry moves toward initiatives like [[Definition:Lloyd's | Lloyd's]] Blueprint Two and [[Definition:ACORD | ACORD]]-standardized data exchanges, MFT platforms serve as the connective tissue ensuring that digitization efforts translate into operational reality. Security is equally critical: insurance data includes protected health information, personally identifiable information, and proprietary [[Definition:Underwriting | underwriting]] models, making the encryption and access controls embedded in MFT solutions a baseline requirement rather than an optional enhancement.<br />
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'''Related concepts'''<br />
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* [[Definition:Bordereaux]]<br />
* [[Definition:Application programming interface (API)]]<br />
* [[Definition:Data warehouse]]<br />
* [[Definition:Regulatory reporting]]<br />
* [[Definition:ACORD]]<br />
* [[Definition:Data privacy]]<br />
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