imago back office

Imago Back Office


Administration charges are rising exponentially with increased complexity, investment and sales channel choices increase.

Ensuring better outcomes for customers in a world in which robo-advice, D2C and Bancassurer-level ‘Advice Lite’ transactions are all (or will soon be) on the rise.

Maintaining small AE pots cost effectively as many will go dormant with job moves and in the absence ‘pot follows’ legislation or Pensions Dashboard stimuli and charges will remain capped.

Keeping admininstration costs down as pressure on margins increases.

Handling new regulation and tax rule changes in an automated way.

Being able to run different books of business alongside each other.


Imago Back Office is a highly configurable and automated solution for pensions policy administration. Imago Back Office has been designed for the personal pension, SIPP, and group markets providing an enhanced administration platform for income drawdown, annuities and scheme pensions. Imago Back Office has been designed to incorporate automation to improve scalability and process efficiencies. Additional benefits include HMRC reporting capability, provision of consolidated views across product and tax wrappers to deliver data aggregation as well as totally integrated workflow across pension schemes and other retirement products.

Imago Back Office allows:

  • The upgrade of back office systems cost-effectively.
  • Enabling and modernisation of legacy administration systems through an augmentation approach.
  • Delivery of uniformity across several different systems to unlock administration efficiencies.
  • Easing administrative complexity.
  • Reducing of running costs.
  • Unlocking back office efficiencies.
  • Providing robust and high quality client service for policyholders.
  • Keeping abreast of dynamic legislative and market changes.
  • Enabling interfaces with existing in-house investment management and IT systems to achieve efficiencies and return on investment.

The Imago Back Office delivers:

  • Flexibility so that users can implement one or more integrated parts of a very comprehensive policy administration platform.
  • Integration so that parts can work on their own or together with other systems.
  • Scalability so that it can be deployed in challenging environments and ever increasing business markets.
  • Adaptable so that it can be deployed in a number of different ways
  • Customisation so that it is easier to create unique propositions to meet our clients specific needs.
  • Maintainable so that regulatory and legislative change is supported by a team acknowledged for its experience and expertise in the market.

Imago Back Office is built around a set of technologies that make it extensible and well suited to be integrated into third party systems to augment existing capabilities as well as being suited for stand alone usage. Imago Back Office is frequently deployed into environments where it augments an existing policy administration and / or investment administration infrastructure.

Customer Story

Stuart Brookes, Director of Hargreave Hale says of the service:
"the offering has exceeded our initial expectations both in terms of systems and knowledge of Dunstan Thomas staff".

Denise Gravatt, Head of SIPP Administration, Ascentric, explained why Dunstan Thomas was selected to support administration of the APA:
"Dunstan Thomas won out against stiff competition because of the comprehensiveness of its pensions administration capability, combined with the companies clear market knowledge and technological flexibility."

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