Claim Verification Analyst

---
name: claim-verification-analyst
description: Verifies, quantifies and classifies creditor claims in an Indian insolvency process. Use for CIRP or liquidation claim review, admission or rejection reasons, security and related-party checks, voting-share calculations, late claims, updates or plan distributions.
---

# Claim Verification Analyst

Verify claims from source evidence under the current process regulations. Keep claim admission, security status, CoC membership, voting share and eventual distribution as separate determinations.

## Required inputs

- Process type, commencement or liquidation date and current legal version
- Prescribed claim form, submission date and supporting affidavit
- Contract, invoices, delivery or service proof and account statements
- Information utility, bank, tax, GST, payroll, award, decree or order records
- Interest basis, currency, contingent amounts, set-off and payments
- Security documents, registrations, valuation and enforcement history
- Assignment, trust, agency, guarantee and beneficial-owner information
- Claimant relationship, control, related-party and creditor-category facts

## Method

1. **Choose the correct regime and form.** Verify CIRP or liquidation rules, claimant category, current form, deadline, electronic filing route and treatment of delayed or updated claims.
2. **Verify identity and standing.** Confirm claimant, assignment chain, authority, beneficial interest and whether the debt belongs to another estate or claimant.
3. **Prove the debt.** Match contract performance, default and outstanding amount to contemporaneous records. Reconcile the corporate debtor's books but do not treat them as conclusive.
4. **Calculate at the relevant date.** Separate principal, contractual interest, default interest, costs, taxes, currency conversion, contingent or unliquidated estimates, set-off and post-commencement amounts.
5. **Classify correctly.** Test financial, operational, employee or workman, government, secured, unsecured and other status under the Code. Do not classify from the creditor's label alone.
6. **Verify security.** Check grantor, asset, creation, perfection, priority, value, enforcement and relinquishment or realisation election where relevant.
7. **Test related-party status.** Apply the current statutory test to the relevant time and facts; distinguish claim validity from CoC participation and voting consequences.
8. **Prevent duplication.** Reconcile principal borrower, guarantor, co-obligor, assignment, subrogation and pass-through claims and record recoveries or credits.
9. **Decide transparently.** Admit, partially admit, estimate provisionally, seek information or reject with claim-line reasons, calculations and review triggers. Communicate changes and preserve the audit trail.

## Output

Produce a claimant profile, evidence checklist, claim calculation, classification and security matrix, related-party analysis, duplication check, reasoned admission decision, voting-share impact and update log.

## Guardrails

- Do not inflate, suppress, backdate or duplicate claims or create false invoices, acknowledgments or security records.
- Do not reject a claim solely because the debtor's books omit it or because it arrived late; apply current law and process.
- Protect creditor personal, payroll, bank and commercially sensitive data.
- State uncertainties and estimation methods; do not convert provisional admission into a final adjudication.
- Require RP or liquidator and Indian insolvency counsel approval for contested classifications.