The rollover decision happens at a job change, a balance milestone, a comparison-site visit, the approach to retirement - and the signals are visible first in your own data: contributions stopping, balance checks spiking, a rollover form downloaded. Most funds discover the outflow in the quarterly report. By then the money has moved.
Covalent turns those signals into same-day action: rollover-risk models scoring every member in real time, warehouse signals streamed into the decision path, and retention journeys firing across app, email and contact centre the moment a threshold trips - every intervention inside advice-boundary, approval and audit guardrails, and every journey tested against holdouts so the response sharpens with each cycle.
Four stages decide whether funds under management grow or walk out the door. Covalent runs all four from one decision spine.
Job-change and new-employer journeys, choice-of-fund campaigns and employer-channel engagement - reaching the member while the decision is still open, not after the form is lodged.
Consolidation journeys, contribution nudges at tax time, insurance-in-super awareness and balance-milestone moments - all general-advice safe, all measured against holdouts.
Voluntary-contribution journeys, salary-sacrifice awareness at pay-rise moments and retirement-readiness engagement that starts years before preservation age - each touch timed by the member's own data.
Rollover-risk triggers routed to retention teams with full context, retirement-transition journeys that keep the member through the drawdown years, and win-back outreach when an account goes quiet.
Resolve bounded member journeys end to end - onboarding, consolidation, insurance changes, contribution queries - with governed write-back into member admin.
Predict rollover risk, trigger personalised interventions and orchestrate win-back journeys - every action approved, logged and reversible.
Policy-enforced boundaries between general information and personal advice. The AI knows what it must never say - and every interaction is inspectable.
Live member briefs, policy lookup grounded in your PDS library and next-best-action prompts for contact centre teams - with escalation paths built in.
No model ever writes directly to your registry. Every action passes through the control plane.
Every journey above runs on the same machinery: queued, idempotent, reversible actions in CRM and member systems, with approvals and an immutable audit trail at every step.
Frontier-model access inside your control environment - Australian data residency, SSO, full audit. See CoWork.
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