Cyber Loss Reserve Development Monitoring AI Agent

Monitor cyber-specific IBNR development patterns with an AI agent that detects long reporting lags on liability and regulatory penalty claims, recalibrates loss development factors by claim type and accident quarter, and flags reserve shortfall risk before it reaches the formal actuarial review. The agent evaluates reporting lag distribution, tail factor stability across cyber sub-lines, claim reopening frequency, regulatory penalty settlement timing, and triangle credibility by segment to give reserving actuaries an early-warning system for adverse development specific to cyber liability.