Oliver — the claims-recovery engine
Project HQ for the Oliver / Emily build: an FCA-compliant conversational AI that re-engages dropped PCP claimants on WhatsApp and recovers revenue the firm has already paid to acquire. First test tranche — Dynamo Dave.
Summary
Oliver is built and the hard part is done. The full never/always rule-set is enforced as a guardrail on every reply — no payout promises, no pressure, the free route always shown, sensitive data refused, honest about being an AI the moment he's asked — checked on the way out and stress-tested against several hundred adversarial conversations. It runs on fosferon's own infrastructure.
The engagement is a partnership, not a client job. Costello Global Technology (Fintan O'Rourke) brings the regulated chain — FCA/SRA-regulated law firms, the lead-generation relationships, and the insurance-partner databases. fosferon (Leonidas Kossis) builds and tunes Oliver. Anthony / Articulate sits across strategy, the test design, and the commercial frame.
What turns the first demo into a real test is the baseline: Costello gives the current system's drop-off reactivation rate as roughly 25%, and Oliver must match that at minimum and aim to beat it materially. Everything needed to start — baseline figures, source material, the form screenshot — can be supplied now. The single item on the critical path is a sample of the target records, which sit with the insurance partner, not Costello. A rough date on those is the one thing that lets fosferon sequence cleanly to 1 July.
Why we're doing this
UK law firms pay for every claimant who lands on page one of a PCP claim form. A large share drop off before signing — not because they're ineligible, but because they hesitate, get distracted, or doubt the firm is genuine (a nervousness the FCA has actively amplified by warning consumers off forms for fear of data theft). That drop-off is paid-for traffic turning straight into lost revenue.
Oliver intervenes at the exact moment of drop-off and re-engages the claimant on WhatsApp — the primary conversion channel — as if a dedicated paralegal had picked up the case. The opportunity is already funded and the intent was already expressed; the claimant simply didn't finish. We charge to recover an already-paid-for opportunity, not to acquire a new one.
Two things make this more than a chatbot. First, compliance is structural — only FCA/SRA-regulated firms, explicit opt-in on page one, full conversation retention for any future FCA review. Second, a provenance / security layer tracks every journey from advert click to signed instruction, scores risk in real time, and flags bad-actor traffic (bots, proxies, stolen data) before it enters the firm's pipeline. The same engine recovers revenue and protects it.
Prove it on one list, then extend the pattern
Beat the 25% baseline on Dynamo Dave, and the model extends across PCP, then GAP, diesel and petrol claims, then the wider whole-of-market insurance book — a recurring rev-share per recovered claim rather than a one-off build fee.
Partners — roles & responsibilities
Roles by function. Named commercial parties, rates and splits are held in the vault, not published here.
- GTM expert — channels, media, social
- Full AMO (AI CMO) harness, toolset and workflow
- Rapid prototyping from ideas
- With Takis, takes a 6/10 AI-built prototype to an 8/10 market-ready product or tool
- Vibe coder, not infra
- Owns law-firm, lead-gen + insurance-partner relationships
- Supplies source material, baseline figures, the form
- Coordinates the insurance-partner sample records
- Fronts the product as "Emily" to law firms
- Builds + tunes Oliver; owns the guardrail / output-check layer
- Ran the ~300-case adversarial test; locked AI-disclosure
- Runs everything on its own infrastructure
- Sequences the 1 July tranche; owns the measurement note
- Holds the claimant database (car-owner records)
- Owns the sample/obfuscated records for testing
- Blocker: rough date for the sample needed
- SRA-regulated firm(s) receive signed instructions
- Lead generators feed the original form
- Economics tied to each partner's CPA
- Whole-of-market: GAP, diesel & petrol across the same book
- A funder with multiple law firms in view
- Referral layer flagged as separate later scope
Message history
The thread of record — how the opportunity arrived and where it stands. Commercial specifics live in the vault.
Brings the insurance-claims opportunity via a mutual contact: a large car-owner database, a branded AI ("Dynamo Dave") to surface PCP / GAP / diesel eligibility and drive claims, on a rev-share-per-claim basis rather than a build fee.
Structured evaluation before enthusiasm: who holds the FCA claims-management permission; how much of the book is actually marketable (consent + deletion); the commercial split.
Confirmed as a partnership on a rev-share-per-recovered-claim basis. Specific economics recorded in the vault, not here.
Sets out exactly what's needed to build Oliver for the Dynamo Dave test and prove a measurable result against the current system. Six sections; Section 1 (the baseline) named the priority.
Confirms the 25% baseline; corrects WhatsApp to primary channel; 3-page form; never/always rule-set confirmed; full conversation retention; sample data sits with the insurance partner.
Travelling. Relays fosferon's "just now" update: Oliver built, guardrails enforced + stress-tested, AI-disclosure locked, on track for 1 July. Only outside dependency is the insurance-partner sample records — a rough date would help. Attaches a short note with three things to pin down to measure the test cleanly.
"The engines are running, and they will continue to do so."
Meeting transcripts
No Zoom meeting was recorded for this engagement — checks of Zoom cloud (both accounts), the meeting index and Granola returned nothing; the connected Zoom accounts are Basic / hold no cloud recordings. The record of record is therefore the WhatsApp voice notes, transcribed via ElevenLabs Scribe and held in the vault.
| Date | Source | Substance |
|---|---|---|
| 10 Jun · 16:14 | Voice note 1 | Origin pitch — the insurance-claims opportunity, Dynamo Dave persona, rev-share model, Oliver/Emily framing. |
| 10 Jun | Voice notes 2–5 | Follow-on detail on the database, compliance framing, claim-class context, whole-of-market expansion thesis. |
Document vault
| Document | Date | From | Type | Open |
|---|---|---|---|---|
| Oliver — Test Build Requirements (Dynamo Dave) | 24 Jun | fosferon | spec | Open → |
| Oliver — Test Requirements Response | 25 Jun | Costello Global Technology | response | Open → |
| "Three things to pin down" — measurement note | 26 Jun | fosferon | outstanding | awaited |
| Variation Letter — regulated-chain rate card | 09 Jun | Regulated chain | contract | vault only |
| WhatsApp voice notes ×5 (transcribed) | 10 Jun | Fintan | transcript | vault only |
| Emily — public positioning page | live | Costello | reference | Open → |
| Session log — claims-engine day | 10 Jun | Internal | internal | vault only |
Open → opens the rendered document here. Vault only = held in Clients/Fintan/ and deliberately not published to this surface (named parties, rates, or internal notes). Awaited = not yet received.
Source files held in the vault at Clients/Fintan/. This hub is the index; the vault is the store.
Live surfaces
What each surface is, who built it, and when it went live. Build attribution and dates are from the internal session log unless noted.
| Surface | URL | Built by | Live | Audience |
|---|---|---|---|---|
| The PCP Market (9 pages) — the full PCP claims-engine workup | fintan-pcp.articulate-ai.work | Articulate | 10 Jun 2026 | Anthony only |
| Engine demo — clean, guarded AI engine to show partners / a funder | engine-demo.articulate-ai.work | Articulate | 10 Jun 2026 | shareable |
| Better.Leads — the productised SaaS landing page | better-leads.articulate-ai.work | Articulate | 10 Jun 2026 | public-ready |
| Emily — public positioning page for UK law firms | costelloglobaltechnology.com/emily | Costello author unconfirmed | live | Costello |
Next steps
| # | Owner | Action |
|---|---|---|
| 1 | Anthony → Fintan | Get a date for the insurance-partner sample records. The only item on the critical path — everything else can start now. |
| 2 | fosferon → Anthony | Re-send the "three things to pin down" note. Defines how the test is measured cleanly — only 2 of 3 documents arrived. |
| 3 | Costello | Ship the Section 1 baseline tranche — baseline figures, PCP source material, 3-page form screenshot. Confirmed ready. |
| 4 | Anthony | Sign off the never/always rule-set for PCP-via-insurance. Costello has confirmed it; Anthony's confirmation closes the loop. |
| 5 | Anthony → Fintan | Ask how the WhatsApp interface is currently managed. Which platform / BSP runs the claimant conversations today — we run Wassenger, so we need to know whether to integrate with theirs or bring ours. |
| 6 | All | Hold the 1 July first-tranche target. Oliver is test-ready within a few days to a week of the first material landing. |
Open questions
| Question | Why it matters | Status |
|---|---|---|
| Is WhatsApp the only conversion channel? Email + SMS already warm the claimant up; should email run as a fallback conversion path for WhatsApp non-responders? | WhatsApp wins on engagement and trust for this scam-wary audience, but has BSP friction/cost and won't reach everyone. Email could recover the non-responders — worth a B-arm test once WhatsApp proves out, not either/or. | open |
| How is the WhatsApp interface currently managed on Costello's side? Which platform / BSP runs the live claimant conversations today? | We run Wassenger. Determines whether Oliver integrates with their existing stack or we bring ours — affects the 1–2 week Meta/BSP registration clock. | ask Fintan |
Version history
| Version | Date | Change |
|---|---|---|
| v1.4 | 26 Jun 2026 | Rewrote Anthony's role: Demand Partner — GTM (channels/media/social), full AMO harness, rapid prototyping, 6→8/10 with Takis, vibe coder not infra. Rail links made real and verified. |
| v1.3 | 26 Jun 2026 | Document vault now opens: Test Requirements + Costello Response published as rendered pages; Emily linked live; sensitive docs marked vault-only. "Internal dossier" renamed "The PCP Market". |
| v1.2 | 26 Jun 2026 | Added Open questions: WhatsApp-only vs email fallback channel, and the ask to Fintan on how the WhatsApp interface is currently managed (we run Wassenger). |
| v1.1 | 26 Jun 2026 | Kendall pass: sensitive commercial specifics + third-party names moved to the vault; marketing figures attributed to source; rail de-duplicated; naming resolved. Pending real Cloudflare Access gate. |
| v1.0 | 26 Jun 2026 | Project HQ stood up. All surfaces consolidated from the vault. |