{"id":6255,"date":"2026-09-14T10:01:02","date_gmt":"2026-09-14T13:01:02","guid":{"rendered":"https:\/\/tecnologiaunica.com.br\/?p=6255"},"modified":"2026-09-14T10:01:04","modified_gmt":"2026-09-14T13:01:04","slug":"sro-susep","status":"publish","type":"post","link":"https:\/\/tecnologiaunica.com.br\/it\/blog\/sro-susep\/","title":{"rendered":"SRO Susep: o que \u00e9, prazos e o que mudou"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">O SRO Susep \u00e9 o Sistema de Registro de Opera\u00e7\u00f5es, estrutura pela qual seguradoras, entidades abertas de previd\u00eancia complementar e sociedades de capitaliza\u00e7\u00e3o enviam dados granulares de suas opera\u00e7\u00f5es a entidades registradoras credenciadas, que os consolidam em base acess\u00edvel \u00e0 Susep. O registro \u00e9 obrigat\u00f3rio e segue prazos por documento e leiautes definidos em norma.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Principais pontos<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>O SRO Susep n\u00e3o \u00e9 um relat\u00f3rio peri\u00f3dico: \u00e9 um fluxo cont\u00ednuo de dados opera\u00e7\u00e3o a opera\u00e7\u00e3o, com prazos curtos \u2014 5 dias \u00fateis para ap\u00f3lices, certificados, endossos e bilhetes, e 30 dias corridos para sinistros e averba\u00e7\u00f5es de transportes, nos termos da Circular Susep n\u00ba 710\/2024.<\/li>\n\n\n\n<li>Desde 2 de mar\u00e7o de 2026, os registros de seguros de danos e de pessoas em reparti\u00e7\u00e3o simples usam o leiaute V3, com reorganiza\u00e7\u00e3o de campos e ado\u00e7\u00e3o de totalizadores no lugar do envio de cada ocorr\u00eancia de pr\u00eamio, sinistro e contribui\u00e7\u00e3o.<\/li>\n\n\n\n<li>O pr\u00f3ximo marco atinge vida com cobertura de risco, previd\u00eancia complementar aberta e assist\u00eancia financeira: conforme o Of\u00edcio Circular Eletr\u00f4nico n\u00ba 7\/2026\/DISUC\/SUSEP, a homologa\u00e7\u00e3o com testes integrados come\u00e7ou em 2 de setembro de 2026 e a obrigatoriedade de envio est\u00e1 prevista para 1\u00ba de dezembro de 2026.<\/li>\n\n\n\n<li>O gargalo raramente est\u00e1 na conex\u00e3o com a registradora. Est\u00e1 na origem: campos obrigat\u00f3rios que n\u00e3o existem no core system, emiss\u00e3o por canais paralelos e aus\u00eancia de tratamento estruturado para registros rejeitados.<\/li>\n\n\n\n<li>Cumprir o SRO com planilha e reprocesso manual \u00e9 poss\u00edvel em volumes baixos, mas o custo aparece quando o leiaute muda \u2014 e ele foi atualizado sucessivas vezes ao longo de 2026, em of\u00edcios circulares que j\u00e1 chegam ao n\u00ba 20.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">O que \u00e9 o SRO Susep, na pr\u00e1tica<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">O Sistema de Registro de Opera\u00e7\u00f5es nasceu da <strong>Resolu\u00e7\u00e3o CNSP n\u00ba 383\/2020<\/strong>, que estabeleceu as condi\u00e7\u00f5es para o registro de opera\u00e7\u00f5es de seguros, previd\u00eancia complementar aberta, capitaliza\u00e7\u00e3o e resseguros. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A l\u00f3gica \u00e9 diferente da presta\u00e7\u00e3o de contas tradicional: em vez de consolidados enviados periodicamente pela supervisionada, a Susep passa a ter acesso a dados granulares \u2014 ap\u00f3lice a ap\u00f3lice, sinistro a sinistro \u2014 em uma base alimentada de forma cont\u00ednua.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O fluxo tem tr\u00eas pap\u00e9is distintos:<\/p>\n\n\n\n<style>\n  .tu-susep-registration-flow,\n  .tu-susep-registration-flow * {\n    box-sizing: border-box;\n  }\n\n  .tu-susep-registration-flow {\n    --tu-red: #DD4E4B;\n    --tu-black: #000000;\n    --tu-white: #FFFFFF;\n    --tu-soft: #FFF7F7;\n    --tu-text: #3D3D3D;\n    --tu-line: #E7E7E7;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n  }\n\n  .tu-susep-registration-flow__grid {\n    display: grid;\n    grid-template-columns:\n      minmax(0, 1fr)\n      42px\n      minmax(0, 1.2fr)\n      42px\n      minmax(0, 1fr);\n    align-items: stretch;\n    gap: 10px;\n\n    width: 100%;\n  }\n\n  \/* CARD *\/\n\n  .tu-susep-registration-flow__card {\n    position: relative;\n\n    display: flex;\n    flex-direction: column;\n\n    min-width: 0;\n    padding: 20px 18px;\n\n    background: var(--tu-white);\n    border: 1px solid var(--tu-line);\n    border-radius: 4px 15px 15px 15px;\n  }\n\n  .tu-susep-registration-flow__card--middle {\n    background: var(--tu-soft);\n    border: 2px solid var(--tu-red);\n  }\n\n  .tu-susep-registration-flow__card--final {\n    background: var(--tu-red);\n    border: 2px solid var(--tu-black);\n  }\n\n  \/* TOPO *\/\n\n  .tu-susep-registration-flow__header {\n    display: flex;\n    align-items: center;\n    gap: 10px;\n\n    margin-bottom: 13px;\n  }\n\n  .tu-susep-registration-flow__number {\n    display: flex;\n    align-items: center;\n    justify-content: center;\n\n    flex: 0 0 31px;\n    width: 31px;\n    height: 31px;\n\n    background: var(--tu-red);\n    border-radius: 50%;\n\n    color: var(--tu-white);\n    font-size: 9.5px;\n    font-weight: 700;\n    line-height: 1;\n  }\n\n  .tu-susep-registration-flow__card--final\n  .tu-susep-registration-flow__number {\n    background: var(--tu-white);\n    color: var(--tu-red);\n  }\n\n  .tu-susep-registration-flow h3 {\n    margin: 0 !important;\n    padding: 0 !important;\n\n    color: var(--tu-black);\n    font-size: 14.25px;\n    font-weight: 700;\n    line-height: 1.4;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  .tu-susep-registration-flow__card--final h3 {\n    color: var(--tu-white);\n  }\n\n  \/* TEXTO *\/\n\n  .tu-susep-registration-flow__card p {\n    margin: 0 !important;\n    padding: 0 !important;\n\n    color: var(--tu-text) !important;\n    font-size: 12.75px;\n    font-weight: 400;\n    line-height: 1.58;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  .tu-susep-registration-flow__card--final p {\n    color: var(--tu-white) !important;\n  }\n\n  \/* REGISTRADORAS *\/\n\n  .tu-susep-registration-flow__registrars {\n    display: flex;\n    flex-direction: column;\n    gap: 6px;\n\n    margin-top: 13px;\n    padding-top: 12px;\n\n    border-top: 1px solid #E7CECE;\n  }\n\n  .tu-susep-registration-flow__registrars strong {\n    color: var(--tu-black);\n    font-size: 11.5px;\n    font-weight: 700;\n    line-height: 1.4;\n  }\n\n  .tu-susep-registration-flow__registrar {\n    display: flex;\n    align-items: flex-start;\n    gap: 7px;\n\n    color: var(--tu-text);\n    font-size: 11.85px;\n    font-weight: 500;\n    line-height: 1.45;\n  }\n\n  .tu-susep-registration-flow__registrar::before {\n    content: \"\";\n\n    flex: 0 0 6px;\n    width: 6px;\n    height: 6px;\n    margin-top: 5px;\n\n    background: var(--tu-red);\n    border-radius: 50%;\n  }\n\n  \/* SETAS *\/\n\n  .tu-susep-registration-flow__arrow {\n    display: flex;\n    align-items: center;\n    justify-content: center;\n  }\n\n  .tu-susep-registration-flow__arrow span {\n    display: flex;\n    align-items: center;\n    justify-content: center;\n\n    width: 34px;\n    height: 34px;\n\n    background: var(--tu-black);\n    border-radius: 50%;\n\n    color: var(--tu-white);\n    font-size: 17px;\n    font-weight: 700;\n    line-height: 1;\n  }\n\n  \/* RESPONSIVO *\/\n\n  @media (max-width: 900px) {\n    .tu-susep-registration-flow__grid {\n      grid-template-columns: 1fr;\n      gap: 9px;\n    }\n\n    .tu-susep-registration-flow__arrow {\n      min-height: 30px;\n    }\n\n    .tu-susep-registration-flow__arrow span {\n      width: 30px;\n      height: 30px;\n\n      transform: rotate(90deg);\n\n      font-size: 15px;\n    }\n  }\n\n  @media (max-width: 620px) {\n    .tu-susep-registration-flow {\n      margin: 20px 0;\n    }\n\n    .tu-susep-registration-flow__card {\n      padding: 18px 16px;\n\n      border-radius: 4px 13px 13px 13px;\n    }\n\n    .tu-susep-registration-flow h3 {\n      font-size: 14px;\n    }\n\n    .tu-susep-registration-flow__card p {\n      font-size: 12.55px;\n    }\n\n    .tu-susep-registration-flow__registrar {\n      font-size: 11.65px;\n    }\n  }\n<\/style>\n\n<div class=\"tu-susep-registration-flow\">\n\n  <div class=\"tu-susep-registration-flow__grid\">\n\n\n    <!-- 01 -->\n\n    <section class=\"tu-susep-registration-flow__card\">\n\n      <div class=\"tu-susep-registration-flow__header\">\n\n        <span class=\"tu-susep-registration-flow__number\" aria-hidden=\"true\">\n          01\n        <\/span>\n\n        <h3>\n          Supervisionada\n        <\/h3>\n\n      <\/div>\n\n      <p>\n        A seguradora, EAPC ou sociedade de capitaliza\u00e7\u00e3o gera e envia\n        os registros a partir de seus pr\u00f3prios sistemas.\n      <\/p>\n\n    <\/section>\n\n\n    <!-- SETA -->\n\n    <div class=\"tu-susep-registration-flow__arrow\" aria-hidden=\"true\">\n      <span>\u2192<\/span>\n    <\/div>\n\n\n    <!-- 02 -->\n\n    <section class=\"tu-susep-registration-flow__card tu-susep-registration-flow__card--middle\">\n\n      <div class=\"tu-susep-registration-flow__header\">\n\n        <span class=\"tu-susep-registration-flow__number\" aria-hidden=\"true\">\n          02\n        <\/span>\n\n        <h3>\n          Entidade registradora\n        <\/h3>\n\n      <\/div>\n\n      <p>\n        Previamente credenciada e com sistema homologado pela Susep,\n        recebe, valida e armazena os registros enviados.\n      <\/p>\n\n      <div class=\"tu-susep-registration-flow__registrars\">\n\n        <strong>Entidades credenciadas:<\/strong>\n\n        <span class=\"tu-susep-registration-flow__registrar\">\n          B3 S.A. \u2013 Brasil, Bolsa, Balc\u00e3o.\n        <\/span>\n\n        <span class=\"tu-susep-registration-flow__registrar\">\n          CIP S.A. \u2013 N\u00faclea.\n        <\/span>\n\n        <span class=\"tu-susep-registration-flow__registrar\">\n          CSD \u2013 Central de Servi\u00e7os de Registro e Dep\u00f3sito.\n        <\/span>\n\n        <span class=\"tu-susep-registration-flow__registrar\">\n          MAPS Services S.A.\n        <\/span>\n\n      <\/div>\n\n    <\/section>\n\n\n    <!-- SETA -->\n\n    <div class=\"tu-susep-registration-flow__arrow\" aria-hidden=\"true\">\n      <span>\u2192<\/span>\n    <\/div>\n\n\n    <!-- 03 -->\n\n    <section class=\"tu-susep-registration-flow__card tu-susep-registration-flow__card--final\">\n\n      <div class=\"tu-susep-registration-flow__header\">\n\n        <span class=\"tu-susep-registration-flow__number\" aria-hidden=\"true\">\n          03\n        <\/span>\n\n        <h3>\n          Susep\n        <\/h3>\n\n      <\/div>\n\n      <p>\n        Acessa a base consolidada para supervis\u00e3o, estat\u00edstica\n        e fiscaliza\u00e7\u00e3o.\n      <\/p>\n\n    <\/section>\n\n\n  <\/div>\n\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Duas normas complementares sustentam esse desenho: a <strong>Circular Susep n\u00ba 599\/2020<\/strong>, sobre homologa\u00e7\u00e3o dos sistemas de registro e credenciamento das registradoras, e a <strong>Circular Susep n\u00ba 619\/2020<\/strong>, sobre pol\u00edtica de seguran\u00e7a e sigilo de dados dessas entidades.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A consequ\u00eancia pr\u00e1tica para a \u00e1rea de tecnologia \u00e9 direta: o SRO transforma a qualidade e a rastreabilidade dos dados internos em obriga\u00e7\u00e3o regulat\u00f3ria verific\u00e1vel. Um campo que a opera\u00e7\u00e3o preenchia de forma inconsistente sem maiores efeitos passa a gerar rejei\u00e7\u00e3o na registradora e, se n\u00e3o tratado, descumprimento de prazo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quem precisa registrar e o que entra no escopo<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">O escopo \u00e9 definido por circulares espec\u00edficas por tipo de opera\u00e7\u00e3o. As seis circulares publicadas em 24 de dezembro de 2024, todas com vig\u00eancia a partir de 2 de janeiro de 2025, organizam o leiaute V3:<\/p>\n\n\n\n<style>\n  .tu-susep-circulars-table,\n  .tu-susep-circulars-table * {\n    box-sizing: border-box;\n  }\n\n  .tu-susep-circulars-table {\n    --tu-red: #DD4E4B;\n    --tu-black: #000000;\n    --tu-white: #FFFFFF;\n    --tu-soft: #FFF7F7;\n    --tu-line: #E7E7E7;\n    --tu-text: #2F2F2F;\n    --tu-text-soft: #555555;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n  }\n\n  .tu-susep-circulars-table__container {\n    width: 100%;\n    max-width: 100%;\n\n    overflow: hidden;\n\n    background: var(--tu-white);\n    border: 1px solid #D9D9D9;\n    border-radius: 4px 16px 16px 16px;\n  }\n\n  .tu-susep-circulars-table table {\n    width: 100% !important;\n    max-width: 100% !important;\n    margin: 0 !important;\n\n    border-collapse: separate;\n    border-spacing: 0;\n    table-layout: fixed;\n  }\n\n  .tu-susep-circulars-table th,\n  .tu-susep-circulars-table td {\n    padding: 14px 15px;\n\n    vertical-align: top;\n    text-align: left;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  \/* CABE\u00c7ALHO *\/\n\n  .tu-susep-circulars-table thead th {\n    background: var(--tu-red);\n    color: var(--tu-black);\n\n    border-right: 1px solid rgba(0, 0, 0, 0.14);\n\n    font-size: 12.5px;\n    font-weight: 700;\n    line-height: 1.4;\n  }\n\n  .tu-susep-circulars-table thead th:last-child {\n    border-right: 0;\n  }\n\n  \/* CORPO *\/\n\n  .tu-susep-circulars-table tbody td {\n    background: var(--tu-white);\n\n    border-right: 1px solid var(--tu-line);\n    border-bottom: 1px solid var(--tu-line);\n\n    color: var(--tu-text);\n\n    font-size: 13px;\n    font-weight: 400;\n    line-height: 1.55;\n  }\n\n  .tu-susep-circulars-table tbody tr:nth-child(even) td {\n    background: var(--tu-soft);\n  }\n\n  .tu-susep-circulars-table tbody td:last-child {\n    border-right: 0;\n  }\n\n  .tu-susep-circulars-table tbody tr:last-child td {\n    border-bottom: 0;\n  }\n\n  \/* COLUNAS *\/\n\n  .tu-susep-circulars-table__circular {\n    position: relative;\n\n    width: 20%;\n    padding-left: 19px !important;\n\n    color: var(--tu-black) !important;\n    font-weight: 700 !important;\n  }\n\n  .tu-susep-circulars-table__circular::before {\n    content: \"\";\n\n    position: absolute;\n    top: 0;\n    bottom: 0;\n    left: 0;\n\n    width: 4px;\n\n    background: var(--tu-red);\n  }\n\n  .tu-susep-circulars-table__scope {\n    width: 39%;\n  }\n\n  .tu-susep-circulars-table__rule {\n    width: 41%;\n\n    color: var(--tu-text-soft) !important;\n  }\n\n  \/* TABLET *\/\n\n  @media (max-width: 900px) and (min-width: 681px) {\n    .tu-susep-circulars-table th,\n    .tu-susep-circulars-table td {\n      padding: 12px 10px;\n    }\n\n    .tu-susep-circulars-table thead th {\n      font-size: 11.5px;\n    }\n\n    .tu-susep-circulars-table tbody td {\n      font-size: 12px;\n    }\n\n    .tu-susep-circulars-table__circular {\n      width: 21%;\n      padding-left: 15px !important;\n    }\n\n    .tu-susep-circulars-table__scope {\n      width: 38%;\n    }\n\n    .tu-susep-circulars-table__rule {\n      width: 41%;\n    }\n  }\n\n  \/* MOBILE *\/\n\n  @media (max-width: 680px) {\n    .tu-susep-circulars-table {\n      margin: 20px 0;\n    }\n\n    .tu-susep-circulars-table__container {\n      overflow: visible;\n\n      background: transparent;\n      border: 0;\n      border-radius: 0;\n    }\n\n    .tu-susep-circulars-table table,\n    .tu-susep-circulars-table tbody,\n    .tu-susep-circulars-table tr,\n    .tu-susep-circulars-table td {\n      display: block;\n\n      width: 100% !important;\n      max-width: 100% !important;\n    }\n\n    .tu-susep-circulars-table thead {\n      position: absolute;\n\n      width: 1px;\n      height: 1px;\n\n      margin: -1px;\n      padding: 0;\n\n      overflow: hidden;\n\n      clip: rect(0, 0, 0, 0);\n      white-space: nowrap;\n\n      border: 0;\n    }\n\n    .tu-susep-circulars-table tbody {\n      display: grid;\n      gap: 12px;\n    }\n\n    .tu-susep-circulars-table tbody tr {\n      overflow: hidden;\n\n      background: var(--tu-white);\n\n      border: 1px solid #DCDCDC;\n      border-radius: 4px 13px 13px 13px;\n    }\n\n    .tu-susep-circulars-table tbody td,\n    .tu-susep-circulars-table tbody tr:nth-child(even) td {\n      width: 100% !important;\n\n      padding: 12px 14px;\n\n      background: var(--tu-white);\n\n      border-right: 0;\n      border-bottom: 1px solid var(--tu-line);\n\n      font-size: 13px;\n    }\n\n    .tu-susep-circulars-table tbody td:last-child {\n      border-bottom: 0;\n    }\n\n    .tu-susep-circulars-table tbody td::before {\n      display: block;\n\n      margin-bottom: 4px;\n\n      color: #6B6B6B;\n\n      font-size: 10px;\n      font-weight: 700;\n      line-height: 1.2;\n      letter-spacing: .04em;\n      text-transform: uppercase;\n\n      content: attr(data-label);\n    }\n\n    .tu-susep-circulars-table tbody .tu-susep-circulars-table__circular {\n      padding: 12px 14px !important;\n\n      background: var(--tu-red) !important;\n\n      border-bottom: 1px solid rgba(0, 0, 0, 0.15);\n\n      color: var(--tu-black) !important;\n\n      font-size: 14.5px;\n    }\n\n    .tu-susep-circulars-table tbody\n    .tu-susep-circulars-table__circular::before {\n      display: none;\n    }\n\n    .tu-susep-circulars-table tbody\n    .tu-susep-circulars-table__circular::after {\n      display: none;\n    }\n\n    .tu-susep-circulars-table tbody\n    .tu-susep-circulars-table__circular::before {\n      content: none;\n    }\n\n    .tu-susep-circulars-table tbody\n    .tu-susep-circulars-table__circular[data-label]::after {\n      content: none;\n    }\n\n    .tu-susep-circulars-table tbody\n    .tu-susep-circulars-table__circular::first-line {\n      font-weight: 700;\n    }\n  }\n<\/style>\n\n<div class=\"tu-susep-circulars-table\">\n\n  <div class=\"tu-susep-circulars-table__container\">\n\n    <table>\n\n      <thead>\n        <tr>\n          <th scope=\"col\">Circular Susep (24\/12\/2024)<\/th>\n          <th scope=\"col\">Opera\u00e7\u00f5es abrangidas<\/th>\n          <th scope=\"col\">Regra de obrigatoriedade prevista na norma<\/th>\n        <\/tr>\n      <\/thead>\n\n      <tbody>\n\n        <tr>\n          <td\n            class=\"tu-susep-circulars-table__circular\"\n            data-label=\"Circular Susep\"\n          >\n            n\u00ba 710\/2024\n          <\/td>\n\n          <td\n            class=\"tu-susep-circulars-table__scope\"\n            data-label=\"Opera\u00e7\u00f5es abrangidas\"\n          >\n            Seguros de danos e seguros de pessoas em regime de reparti\u00e7\u00e3o simples.\n          <\/td>\n\n          <td\n            class=\"tu-susep-circulars-table__rule\"\n            data-label=\"Regra de obrigatoriedade\"\n          >\n            1\u00ba dia \u00fatil do m\u00eas subsequente a 12 meses da disponibiliza\u00e7\u00e3o do leiaute.\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td\n            class=\"tu-susep-circulars-table__circular\"\n            data-label=\"Circular Susep\"\n          >\n            n\u00ba 711\/2024\n          <\/td>\n\n          <td\n            class=\"tu-susep-circulars-table__scope\"\n            data-label=\"Opera\u00e7\u00f5es abrangidas\"\n          >\n            Seguros de pessoas com cobertura de risco em reparti\u00e7\u00e3o de capitais\n            de cobertura ou capitaliza\u00e7\u00e3o.\n          <\/td>\n\n          <td\n            class=\"tu-susep-circulars-table__rule\"\n            data-label=\"Regra de obrigatoriedade\"\n          >\n            1\u00ba dia \u00fatil do m\u00eas subsequente a 8 meses da disponibiliza\u00e7\u00e3o do leiaute.\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td\n            class=\"tu-susep-circulars-table__circular\"\n            data-label=\"Circular Susep\"\n          >\n            n\u00ba 712\/2024\n          <\/td>\n\n          <td\n            class=\"tu-susep-circulars-table__scope\"\n            data-label=\"Opera\u00e7\u00f5es abrangidas\"\n          >\n            Opera\u00e7\u00f5es de capitaliza\u00e7\u00e3o.\n          <\/td>\n\n          <td\n            class=\"tu-susep-circulars-table__rule\"\n            data-label=\"Regra de obrigatoriedade\"\n          >\n            1\u00ba dia \u00fatil do m\u00eas subsequente a 8 meses da disponibiliza\u00e7\u00e3o do leiaute.\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td\n            class=\"tu-susep-circulars-table__circular\"\n            data-label=\"Circular Susep\"\n          >\n            n\u00ba 713\/2024\n          <\/td>\n\n          <td\n            class=\"tu-susep-circulars-table__scope\"\n            data-label=\"Opera\u00e7\u00f5es abrangidas\"\n          >\n            Previd\u00eancia complementar aberta com cobertura de risco.\n          <\/td>\n\n          <td\n            class=\"tu-susep-circulars-table__rule\"\n            data-label=\"Regra de obrigatoriedade\"\n          >\n            Conforme art. 3\u00ba da circular.\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td\n            class=\"tu-susep-circulars-table__circular\"\n            data-label=\"Circular Susep\"\n          >\n            n\u00ba 714\/2024\n          <\/td>\n\n          <td\n            class=\"tu-susep-circulars-table__scope\"\n            data-label=\"Opera\u00e7\u00f5es abrangidas\"\n          >\n            Cobertura de sobreviv\u00eancia em previd\u00eancia complementar aberta\n            e seguros de pessoas.\n          <\/td>\n\n          <td\n            class=\"tu-susep-circulars-table__rule\"\n            data-label=\"Regra de obrigatoriedade\"\n          >\n            Conforme art. 3\u00ba da circular.\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td\n            class=\"tu-susep-circulars-table__circular\"\n            data-label=\"Circular Susep\"\n          >\n            n\u00ba 715\/2024\n          <\/td>\n\n          <td\n            class=\"tu-susep-circulars-table__scope\"\n            data-label=\"Opera\u00e7\u00f5es abrangidas\"\n          >\n            Assist\u00eancia financeira de EAPCs e sociedades seguradoras.\n          <\/td>\n\n          <td\n            class=\"tu-susep-circulars-table__rule\"\n            data-label=\"Regra de obrigatoriedade\"\n          >\n            Conforme art. 3\u00ba da circular.\n          <\/td>\n        <\/tr>\n\n      <\/tbody>\n\n    <\/table>\n\n  <\/div>\n\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">O que entra no registro vai al\u00e9m da emiss\u00e3o: ap\u00f3lices, bilhetes, certificados, endossos, contratos de previd\u00eancia, sinistros e benef\u00edcios, resgates, portabilidades, opera\u00e7\u00f5es de cosseguro, bloqueios e gravames, e transfer\u00eancia de carteira. Ou seja, o SRO acompanha o ciclo de vida do contrato, n\u00e3o apenas seu nascimento.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Os prazos s\u00e3o a parte que mais pressiona a arquitetura. Pela Circular Susep n\u00ba 710\/2024:<\/p>\n\n\n\n<style>\n  .tu-susep-deadlines-table,\n  .tu-susep-deadlines-table * {\n    box-sizing: border-box;\n  }\n\n  .tu-susep-deadlines-table {\n    --tu-red: #DD4E4B;\n    --tu-black: #000000;\n    --tu-white: #FFFFFF;\n    --tu-soft: #FFF7F7;\n    --tu-line: #E7E7E7;\n    --tu-text: #2F2F2F;\n    --tu-text-soft: #555555;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n  }\n\n  .tu-susep-deadlines-table__container {\n    width: 100%;\n    max-width: 100%;\n\n    overflow: hidden;\n\n    background: var(--tu-white);\n    border: 1px solid #D9D9D9;\n    border-radius: 4px 16px 16px 16px;\n  }\n\n  .tu-susep-deadlines-table table {\n    width: 100% !important;\n    max-width: 100% !important;\n    margin: 0 !important;\n\n    border-collapse: separate;\n    border-spacing: 0;\n    table-layout: fixed;\n  }\n\n  .tu-susep-deadlines-table th,\n  .tu-susep-deadlines-table td {\n    padding: 14px 15px;\n\n    vertical-align: top;\n    text-align: left;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  \/* CABE\u00c7ALHO *\/\n\n  .tu-susep-deadlines-table thead th {\n    background: var(--tu-red);\n    color: var(--tu-black);\n\n    border-right: 1px solid rgba(0, 0, 0, 0.14);\n\n    font-size: 12.75px;\n    font-weight: 700;\n    line-height: 1.4;\n  }\n\n  .tu-susep-deadlines-table thead th:last-child {\n    border-right: 0;\n  }\n\n  \/* CORPO *\/\n\n  .tu-susep-deadlines-table tbody td {\n    background: var(--tu-white);\n\n    border-right: 1px solid var(--tu-line);\n    border-bottom: 1px solid var(--tu-line);\n\n    color: var(--tu-text);\n\n    font-size: 13px;\n    font-weight: 400;\n    line-height: 1.55;\n  }\n\n  .tu-susep-deadlines-table tbody tr:nth-child(even) td {\n    background: var(--tu-soft);\n  }\n\n  .tu-susep-deadlines-table tbody td:last-child {\n    border-right: 0;\n  }\n\n  .tu-susep-deadlines-table tbody tr:last-child td {\n    border-bottom: 0;\n  }\n\n  \/* COLUNAS *\/\n\n  .tu-susep-deadlines-table__deadline {\n    position: relative;\n\n    width: 23%;\n    padding-left: 19px !important;\n\n    color: var(--tu-black) !important;\n    font-weight: 700 !important;\n  }\n\n  .tu-susep-deadlines-table__deadline::before {\n    content: \"\";\n\n    position: absolute;\n    top: 0;\n    bottom: 0;\n    left: 0;\n\n    width: 4px;\n\n    background: var(--tu-red);\n  }\n\n  .tu-susep-deadlines-table__scope {\n    width: 47%;\n  }\n\n  .tu-susep-deadlines-table__start {\n    width: 30%;\n\n    color: var(--tu-text-soft) !important;\n  }\n\n  \/* TABLET *\/\n\n  @media (max-width: 900px) and (min-width: 681px) {\n    .tu-susep-deadlines-table th,\n    .tu-susep-deadlines-table td {\n      padding: 12px 10px;\n    }\n\n    .tu-susep-deadlines-table thead th {\n      font-size: 11.5px;\n    }\n\n    .tu-susep-deadlines-table tbody td {\n      font-size: 12px;\n    }\n\n    .tu-susep-deadlines-table__deadline {\n      width: 24%;\n      padding-left: 15px !important;\n    }\n\n    .tu-susep-deadlines-table__scope {\n      width: 46%;\n    }\n\n    .tu-susep-deadlines-table__start {\n      width: 30%;\n    }\n  }\n\n  \/* MOBILE *\/\n\n  @media (max-width: 680px) {\n    .tu-susep-deadlines-table {\n      margin: 20px 0;\n    }\n\n    .tu-susep-deadlines-table__container {\n      overflow: visible;\n\n      background: transparent;\n      border: 0;\n      border-radius: 0;\n    }\n\n    .tu-susep-deadlines-table table,\n    .tu-susep-deadlines-table tbody,\n    .tu-susep-deadlines-table tr,\n    .tu-susep-deadlines-table td {\n      display: block;\n\n      width: 100% !important;\n      max-width: 100% !important;\n    }\n\n    .tu-susep-deadlines-table thead {\n      position: absolute;\n\n      width: 1px;\n      height: 1px;\n\n      margin: -1px;\n      padding: 0;\n\n      overflow: hidden;\n\n      clip: rect(0, 0, 0, 0);\n      white-space: nowrap;\n\n      border: 0;\n    }\n\n    .tu-susep-deadlines-table tbody {\n      display: grid;\n      gap: 12px;\n    }\n\n    .tu-susep-deadlines-table tbody tr {\n      overflow: hidden;\n\n      background: var(--tu-white);\n\n      border: 1px solid #DCDCDC;\n      border-radius: 4px 13px 13px 13px;\n    }\n\n    .tu-susep-deadlines-table tbody td,\n    .tu-susep-deadlines-table tbody tr:nth-child(even) td {\n      width: 100% !important;\n\n      padding: 12px 14px;\n\n      background: var(--tu-white);\n\n      border-right: 0;\n      border-bottom: 1px solid var(--tu-line);\n\n      font-size: 13px;\n    }\n\n    .tu-susep-deadlines-table tbody td:last-child {\n      border-bottom: 0;\n    }\n\n    .tu-susep-deadlines-table tbody td::before {\n      display: block;\n\n      margin-bottom: 4px;\n\n      color: #6B6B6B;\n\n      font-size: 10px;\n      font-weight: 700;\n      line-height: 1.2;\n      letter-spacing: .04em;\n      text-transform: uppercase;\n\n      content: attr(data-label);\n    }\n\n    .tu-susep-deadlines-table tbody\n    .tu-susep-deadlines-table__deadline {\n      padding: 12px 14px !important;\n\n      background: var(--tu-red) !important;\n\n      border-bottom: 1px solid rgba(0, 0, 0, 0.15);\n\n      color: var(--tu-black) !important;\n\n      font-size: 14.5px;\n    }\n\n    .tu-susep-deadlines-table tbody\n    .tu-susep-deadlines-table__deadline::before {\n      content: none;\n    }\n  }\n<\/style>\n\n<div class=\"tu-susep-deadlines-table\">\n\n  <div class=\"tu-susep-deadlines-table__container\">\n\n    <table>\n\n      <thead>\n        <tr>\n          <th scope=\"col\">Prazo<\/th>\n          <th scope=\"col\">O que abrange<\/th>\n          <th scope=\"col\">Contagem a partir de<\/th>\n        <\/tr>\n      <\/thead>\n\n      <tbody>\n\n        <tr>\n          <td\n            class=\"tu-susep-deadlines-table__deadline\"\n            data-label=\"Prazo\"\n          >\n            At\u00e9 5 dias \u00fateis\n          <\/td>\n\n          <td\n            class=\"tu-susep-deadlines-table__scope\"\n            data-label=\"O que abrange\"\n          >\n            Ap\u00f3lices, certificados e endossos.\n          <\/td>\n\n          <td\n            class=\"tu-susep-deadlines-table__start\"\n            data-label=\"Contagem a partir de\"\n          >\n            Emiss\u00e3o do documento.\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td\n            class=\"tu-susep-deadlines-table__deadline\"\n            data-label=\"Prazo\"\n          >\n            At\u00e9 5 dias \u00fateis\n          <\/td>\n\n          <td\n            class=\"tu-susep-deadlines-table__scope\"\n            data-label=\"O que abrange\"\n          >\n            Bilhetes emitidos por intermedi\u00e1rios.\n          <\/td>\n\n          <td\n            class=\"tu-susep-deadlines-table__start\"\n            data-label=\"Contagem a partir de\"\n          >\n            Internaliza\u00e7\u00e3o do registro.\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td\n            class=\"tu-susep-deadlines-table__deadline\"\n            data-label=\"Prazo\"\n          >\n            At\u00e9 5 dias \u00fateis\n          <\/td>\n\n          <td\n            class=\"tu-susep-deadlines-table__scope\"\n            data-label=\"O que abrange\"\n          >\n            Bloqueios e gravames.\n          <\/td>\n\n          <td\n            class=\"tu-susep-deadlines-table__start\"\n            data-label=\"Contagem a partir de\"\n          >\n            Conhecimento do fato.\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td\n            class=\"tu-susep-deadlines-table__deadline\"\n            data-label=\"Prazo\"\n          >\n            At\u00e9 30 dias corridos\n          <\/td>\n\n          <td\n            class=\"tu-susep-deadlines-table__scope\"\n            data-label=\"O que abrange\"\n          >\n            Endossos de averba\u00e7\u00e3o em seguros de transportes, pr\u00eamios de ajuste\n            e informa\u00e7\u00f5es sobre sinistros.\n          <\/td>\n\n          <td\n            class=\"tu-susep-deadlines-table__start\"\n            data-label=\"Contagem a partir de\"\n          >\n            Conforme a norma.\n          <\/td>\n        <\/tr>\n\n      <\/tbody>\n\n    <\/table>\n\n  <\/div>\n\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Cinco dias \u00fateis \u00e9 um intervalo curto para uma opera\u00e7\u00e3o em que a emiss\u00e3o passa por corretoras, plataformas de parceiros e, em muitos casos, por sistemas diferentes conforme o produto. Se cada canal tem um caminho pr\u00f3prio at\u00e9 o registro, o prazo passa a depender de quem lembra de executar o processo.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ponto de aten\u00e7\u00e3o: o prazo \u00e9 por opera\u00e7\u00e3o, n\u00e3o por lote mensal<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Uma leitura comum \u2014 e arriscada \u2014 \u00e9 tratar o SRO como um fechamento mensal. A contagem de prazo \u00e9 individual: come\u00e7a na emiss\u00e3o (ou no conhecimento do fato) de cada documento. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Isso significa que uma rotina que roda uma vez por m\u00eas pode estar formalmente ativa e, ainda assim, produzir atrasos em boa parte dos registros do per\u00edodo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A condi\u00e7\u00e3o em que isso se torna cr\u00edtico \u00e9 espec\u00edfica: emiss\u00e3o distribu\u00edda em m\u00faltiplos canais, com rejei\u00e7\u00f5es sendo tratadas em fila manual. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nesse cen\u00e1rio, o registro rejeitado no dia 2 pode voltar para corre\u00e7\u00e3o no dia 8 \u2014 e o prazo j\u00e1 ter\u00e1 vencido sem que ningu\u00e9m tenha sido alertado. O controle que merece avalia\u00e7\u00e3o n\u00e3o \u00e9 o envio em si, mas o <strong>tempo entre rejei\u00e7\u00e3o e reenvio<\/strong>, medido e monitorado.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">O que mudou com a V3 do SRO Susep e por que isso n\u00e3o foi apenas uma atualiza\u00e7\u00e3o de campo<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Em 4 de fevereiro de 2025, a Susep publicou o leiaute de dados do SRO referente \u00e0 Circular n\u00ba 710\/2024. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A partir da\u00ed, correu o prazo de 12 meses previsto na norma: o Of\u00edcio Circular Eletr\u00f4nico n\u00ba 3\/2026\/DISUC\/SUSEP, de 24 de fevereiro de 2026, comunicou que os sistemas na vers\u00e3o 2.00 ficariam dispon\u00edveis at\u00e9 28 de fevereiro de 2026, \u00e0s 23h59, e que <strong>a partir de 2 de mar\u00e7o de 2026 os registros passariam a usar o leiaute v3.0.0<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u00eas mudan\u00e7as concentram o impacto t\u00e9cnico:<\/p>\n\n\n\n<style>\n  .tu-susep-v3-technical-changes,\n  .tu-susep-v3-technical-changes * {\n    box-sizing: border-box;\n  }\n\n  .tu-susep-v3-technical-changes {\n    --tu-red: #DD4E4B;\n    --tu-black: #000000;\n    --tu-white: #FFFFFF;\n    --tu-soft: #FFF7F7;\n    --tu-text: #3D3D3D;\n    --tu-line: #E7E7E7;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n  }\n\n  .tu-susep-v3-technical-changes__stack {\n    display: flex;\n    flex-direction: column;\n    gap: 10px;\n\n    width: 100%;\n  }\n\n  .tu-susep-v3-technical-changes__item {\n    display: grid;\n    grid-template-columns: 38px minmax(0, 220px) minmax(0, 1fr);\n    align-items: start;\n    gap: 13px;\n\n    width: 100%;\n    min-width: 0;\n    padding: 18px 19px;\n\n    background: var(--tu-white);\n    border: 1px solid var(--tu-line);\n    border-left: 4px solid var(--tu-red);\n    border-radius: 4px 14px 14px 14px;\n  }\n\n  .tu-susep-v3-technical-changes__item--soft {\n    background: var(--tu-soft);\n  }\n\n  .tu-susep-v3-technical-changes__item--highlight {\n    background: var(--tu-red);\n    border-color: var(--tu-black);\n    border-left-color: var(--tu-black);\n  }\n\n  .tu-susep-v3-technical-changes__number {\n    display: flex;\n    align-items: center;\n    justify-content: center;\n\n    width: 30px;\n    height: 30px;\n\n    background: var(--tu-red);\n    border-radius: 50%;\n\n    color: var(--tu-white);\n    font-size: 9.5px;\n    font-weight: 700;\n    line-height: 1;\n  }\n\n  .tu-susep-v3-technical-changes__item--highlight\n  .tu-susep-v3-technical-changes__number {\n    background: var(--tu-white);\n    color: var(--tu-red);\n  }\n\n  .tu-susep-v3-technical-changes h3 {\n    margin: 3px 0 0 !important;\n    padding: 0 !important;\n\n    color: var(--tu-black);\n    font-size: 14.25px;\n    font-weight: 700;\n    line-height: 1.42;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  .tu-susep-v3-technical-changes__item--highlight h3 {\n    color: var(--tu-white);\n  }\n\n  .tu-susep-v3-technical-changes__content {\n    min-width: 0;\n  }\n\n  .tu-susep-v3-technical-changes__content p {\n    margin: 0 0 10px !important;\n    padding: 0 !important;\n\n    color: var(--tu-text) !important;\n    font-size: 12.95px;\n    font-weight: 400;\n    line-height: 1.6;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  .tu-susep-v3-technical-changes__content p:last-child {\n    margin-bottom: 0 !important;\n  }\n\n  .tu-susep-v3-technical-changes__item--highlight\n  .tu-susep-v3-technical-changes__content p {\n    color: var(--tu-white) !important;\n  }\n\n  .tu-susep-v3-technical-changes__note {\n    margin-top: 12px;\n    padding: 11px 12px;\n\n    background: rgba(255, 255, 255, 0.12);\n    border: 1px solid rgba(255, 255, 255, 0.28);\n    border-radius: 4px 10px 10px 10px;\n  }\n\n  .tu-susep-v3-technical-changes__note strong {\n    display: block;\n    margin-bottom: 4px;\n\n    color: var(--tu-white);\n    font-size: 11.5px;\n    font-weight: 700;\n    line-height: 1.4;\n  }\n\n  .tu-susep-v3-technical-changes__note span {\n    display: block;\n\n    color: var(--tu-white);\n    font-size: 12.3px;\n    font-weight: 500;\n    line-height: 1.5;\n  }\n\n  @media (max-width: 820px) {\n    .tu-susep-v3-technical-changes__item {\n      grid-template-columns: 36px minmax(0, 180px) minmax(0, 1fr);\n    }\n  }\n\n  @media (max-width: 680px) {\n    .tu-susep-v3-technical-changes {\n      margin: 20px 0;\n    }\n\n    .tu-susep-v3-technical-changes__item {\n      grid-template-columns: 34px minmax(0, 1fr);\n      gap: 7px 9px;\n\n      padding: 15px 14px;\n\n      border-radius: 4px 12px 12px 12px;\n    }\n\n    .tu-susep-v3-technical-changes__number {\n      width: 28px;\n      height: 28px;\n\n      font-size: 9px;\n    }\n\n    .tu-susep-v3-technical-changes h3 {\n      font-size: 13.75px;\n    }\n\n    .tu-susep-v3-technical-changes__content {\n      grid-column: 2;\n    }\n\n    .tu-susep-v3-technical-changes__content p {\n      font-size: 12.6px;\n    }\n\n    .tu-susep-v3-technical-changes__note span {\n      font-size: 12.1px;\n    }\n  }\n<\/style>\n\n<div class=\"tu-susep-v3-technical-changes\">\n\n  <div class=\"tu-susep-v3-technical-changes__stack\">\n\n\n    <!-- 01 -->\n\n    <section class=\"tu-susep-v3-technical-changes__item\">\n\n      <div class=\"tu-susep-v3-technical-changes__number\">\n        01\n      <\/div>\n\n      <h3>\n        Reorganiza\u00e7\u00e3o completa dos campos\n      <\/h3>\n\n      <div class=\"tu-susep-v3-technical-changes__content\">\n\n        <p>\n          A Susep descreveu a V3 como uma reorganiza\u00e7\u00e3o dos campos de informa\u00e7\u00e3o,\n          com regras expl\u00edcitas sobre quais dados s\u00e3o obrigat\u00f3rios.\n        <\/p>\n\n        <p>\n          Para quem tinha um mapeamento constru\u00eddo campo a campo sobre o leiaute\n          anterior, isso significou refazer a camada de tradu\u00e7\u00e3o entre o core system\n          e o formato de envio.\n        <\/p>\n\n      <\/div>\n\n    <\/section>\n\n\n    <!-- 02 -->\n\n    <section class=\"tu-susep-v3-technical-changes__item tu-susep-v3-technical-changes__item--soft\">\n\n      <div class=\"tu-susep-v3-technical-changes__number\">\n        02\n      <\/div>\n\n      <h3>\n        Totalizadores no lugar de ocorr\u00eancia a ocorr\u00eancia\n      <\/h3>\n\n      <div class=\"tu-susep-v3-technical-changes__content\">\n\n        <p>\n          Informa\u00e7\u00f5es de pr\u00eamios, sinistros e contribui\u00e7\u00f5es deixaram de ser\n          reportadas a cada ocorr\u00eancia e passaram a usar campos totalizadores.\n        <\/p>\n\n        <p>\n          A mudan\u00e7a reduz carga de processamento, mas desloca uma responsabilidade\n          para dentro da seguradora: o total enviado precisa ser reproduz\u00edvel a partir\n          dos lan\u00e7amentos internos, ou a opera\u00e7\u00e3o perde a capacidade de explicar\n          um n\u00famero quando questionada.\n        <\/p>\n\n      <\/div>\n\n    <\/section>\n\n\n    <!-- 03 -->\n\n    <section class=\"tu-susep-v3-technical-changes__item tu-susep-v3-technical-changes__item--highlight\">\n\n      <div class=\"tu-susep-v3-technical-changes__number\">\n        03\n      <\/div>\n\n      <h3>\n        Remanejamento da base anterior\n      <\/h3>\n\n      <div class=\"tu-susep-v3-technical-changes__content\">\n\n        <p>\n          O mesmo of\u00edcio estabeleceu prazos para recarregar na V3 os registros\n          que estavam na V2.\n        <\/p>\n\n        <div class=\"tu-susep-v3-technical-changes__note\">\n          <strong>Registros vigentes e emitidos entre 1\u00ba de julho de 2024 e a data anterior \u00e0 obrigatoriedade<\/strong>\n          <span>Prazo de at\u00e9 30 dias corridos.<\/span>\n        <\/div>\n\n        <div class=\"tu-susep-v3-technical-changes__note\">\n          <strong>Altera\u00e7\u00f5es posteriores em opera\u00e7\u00f5es emitidas antes de 1\u00ba de julho de 2024<\/strong>\n          <span>Prazo de at\u00e9 10 dias \u00fateis.<\/span>\n        <\/div>\n\n        <p style=\"margin-top:12px !important;\">\n          Migra\u00e7\u00e3o de leiaute, aqui, n\u00e3o foi s\u00f3 passar a enviar diferente:\n          foi reenviar hist\u00f3rico.\n        <\/p>\n\n      <\/div>\n\n    <\/section>\n\n\n  <\/div>\n\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">E a evolu\u00e7\u00e3o continuou ao longo de 2026. O leiaute v3.1.0 foi publicado em 30 de mar\u00e7o de 2026 e atualizado para a vers\u00e3o 3.1.0-rc.2 em 5 de maio de 2026 (Of\u00edcio Circular Eletr\u00f4nico n\u00ba 10\/2026\/DISUC\/SUSEP, de 8 de maio). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A rela\u00e7\u00e3o de normativos do SRO publicada pela Susep registra a sequ\u00eancia completa: of\u00edcios circulares eletr\u00f4nicos numerados at\u00e9 o n\u00ba 20\/2026, com atualiza\u00e7\u00f5es sucessivas na linha de produ\u00e7\u00e3o (v3.0.1 emergencial, v3.0.2, v3.0.3 e v3.0.4) e na linha de homologa\u00e7\u00e3o (v3.1.0-rc.2, rc.3 e rc.4), al\u00e9m de orienta\u00e7\u00f5es sobre tratamento de registros an\u00f4malos e sobre endossos de cancelamento. P<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">ara uma equipe de tecnologia, a leitura importante \u00e9 esta: <strong>o leiaute do SRO \u00e9 um artefato vivo<\/strong>. Uma integra\u00e7\u00e3o constru\u00edda como projeto pontual, sem previs\u00e3o de manuten\u00e7\u00e3o, tende a virar d\u00edvida t\u00e9cnica no primeiro ciclo de atualiza\u00e7\u00e3o.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Se a discuss\u00e3o sobre de onde saem os campos e como eles se mant\u00eam consistentes ainda n\u00e3o est\u00e1 resolvida internamente, vale revisar antes os <strong><a href=\"https:\/\/tecnologiaunica.com.br\/blog\/arquitetura-de-dados-para-seguradoras\/\" target=\"_blank\" rel=\"noreferrer noopener\">crit\u00e9rios de arquitetura de dados para seguradoras<\/a><\/strong> \u2014 o SRO tende a expor exatamente as lacunas que j\u00e1 existiam ali.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">O pr\u00f3ximo marco: vida, previd\u00eancia e assist\u00eancia financeira<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">O calend\u00e1rio mais relevante agora \u00e9 o das opera\u00e7\u00f5es que ainda n\u00e3o entraram na V3. Segundo o <strong>Of\u00edcio Circular Eletr\u00f4nico n\u00ba 7\/2026\/DISUC\/SUSEP, de 30 de mar\u00e7o de 2026<\/strong>, o leiaute v3.1.0 atende \u00e0s Circulares Susep n\u00ba 711, 713, 714 e 715, de 2024, com dois marcos definidos:<\/p>\n\n\n\n<style>\n  .tu-susep-v3-timeline-table,\n  .tu-susep-v3-timeline-table * {\n    box-sizing: border-box;\n  }\n\n  .tu-susep-v3-timeline-table {\n    --tu-red: #DD4E4B;\n    --tu-black: #000000;\n    --tu-white: #FFFFFF;\n    --tu-soft: #FFF7F7;\n    --tu-line: #E7E7E7;\n    --tu-text: #2F2F2F;\n    --tu-text-soft: #555555;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n  }\n\n  .tu-susep-v3-timeline-table__container {\n    width: 100%;\n    max-width: 100%;\n    overflow: hidden;\n\n    background: var(--tu-white);\n    border: 1px solid #D9D9D9;\n    border-radius: 4px 16px 16px 16px;\n  }\n\n  .tu-susep-v3-timeline-table table {\n    width: 100% !important;\n    max-width: 100% !important;\n    margin: 0 !important;\n\n    border-collapse: separate;\n    border-spacing: 0;\n    table-layout: fixed;\n  }\n\n  .tu-susep-v3-timeline-table th,\n  .tu-susep-v3-timeline-table td {\n    padding: 14px 15px;\n\n    vertical-align: top;\n    text-align: left;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  \/* CABE\u00c7ALHO *\/\n\n  .tu-susep-v3-timeline-table thead th {\n    background: var(--tu-red);\n    color: var(--tu-black);\n\n    border-right: 1px solid rgba(0, 0, 0, 0.14);\n\n    font-size: 12.75px;\n    font-weight: 700;\n    line-height: 1.4;\n  }\n\n  .tu-susep-v3-timeline-table thead th:last-child {\n    border-right: 0;\n  }\n\n  \/* CORPO *\/\n\n  .tu-susep-v3-timeline-table tbody td {\n    background: var(--tu-white);\n\n    border-right: 1px solid var(--tu-line);\n    border-bottom: 1px solid var(--tu-line);\n\n    color: var(--tu-text);\n\n    font-size: 13px;\n    font-weight: 400;\n    line-height: 1.55;\n  }\n\n  .tu-susep-v3-timeline-table tbody tr:nth-child(even) td {\n    background: var(--tu-soft);\n  }\n\n  .tu-susep-v3-timeline-table tbody td:last-child {\n    border-right: 0;\n  }\n\n  .tu-susep-v3-timeline-table tbody tr:last-child td {\n    border-bottom: 0;\n  }\n\n  \/* COLUNAS *\/\n\n  .tu-susep-v3-timeline-table__date {\n    position: relative;\n\n    width: 22%;\n    padding-left: 19px !important;\n\n    color: var(--tu-black) !important;\n    font-weight: 700 !important;\n  }\n\n  .tu-susep-v3-timeline-table__date::before {\n    content: \"\";\n\n    position: absolute;\n    top: 0;\n    bottom: 0;\n    left: 0;\n\n    width: 4px;\n\n    background: var(--tu-red);\n  }\n\n  .tu-susep-v3-timeline-table__milestone {\n    width: 33%;\n  }\n\n  .tu-susep-v3-timeline-table__scope {\n    width: 45%;\n    color: var(--tu-text-soft) !important;\n  }\n\n  \/* TABLET *\/\n\n  @media (max-width: 900px) and (min-width: 681px) {\n    .tu-susep-v3-timeline-table th,\n    .tu-susep-v3-timeline-table td {\n      padding: 12px 10px;\n    }\n\n    .tu-susep-v3-timeline-table thead th {\n      font-size: 11.5px;\n    }\n\n    .tu-susep-v3-timeline-table tbody td {\n      font-size: 12px;\n    }\n\n    .tu-susep-v3-timeline-table__date {\n      width: 24%;\n      padding-left: 15px !important;\n    }\n\n    .tu-susep-v3-timeline-table__milestone {\n      width: 32%;\n    }\n\n    .tu-susep-v3-timeline-table__scope {\n      width: 44%;\n    }\n  }\n\n  \/* MOBILE *\/\n\n  @media (max-width: 680px) {\n    .tu-susep-v3-timeline-table {\n      margin: 20px 0;\n    }\n\n    .tu-susep-v3-timeline-table__container {\n      overflow: visible;\n\n      background: transparent;\n      border: 0;\n      border-radius: 0;\n    }\n\n    .tu-susep-v3-timeline-table table,\n    .tu-susep-v3-timeline-table tbody,\n    .tu-susep-v3-timeline-table tr,\n    .tu-susep-v3-timeline-table td {\n      display: block;\n\n      width: 100% !important;\n      max-width: 100% !important;\n    }\n\n    .tu-susep-v3-timeline-table thead {\n      position: absolute;\n\n      width: 1px;\n      height: 1px;\n\n      margin: -1px;\n      padding: 0;\n\n      overflow: hidden;\n\n      clip: rect(0, 0, 0, 0);\n      white-space: nowrap;\n\n      border: 0;\n    }\n\n    .tu-susep-v3-timeline-table tbody {\n      display: grid;\n      gap: 12px;\n    }\n\n    .tu-susep-v3-timeline-table tbody tr {\n      overflow: hidden;\n\n      background: var(--tu-white);\n\n      border: 1px solid #DCDCDC;\n      border-radius: 4px 13px 13px 13px;\n    }\n\n    .tu-susep-v3-timeline-table tbody td,\n    .tu-susep-v3-timeline-table tbody tr:nth-child(even) td {\n      width: 100% !important;\n\n      padding: 12px 14px;\n\n      background: var(--tu-white);\n\n      border-right: 0;\n      border-bottom: 1px solid var(--tu-line);\n\n      font-size: 13px;\n    }\n\n    .tu-susep-v3-timeline-table tbody td:last-child {\n      border-bottom: 0;\n    }\n\n    .tu-susep-v3-timeline-table tbody td::before {\n      display: block;\n\n      margin-bottom: 4px;\n\n      color: #6B6B6B;\n\n      font-size: 10px;\n      font-weight: 700;\n      line-height: 1.2;\n      letter-spacing: .04em;\n      text-transform: uppercase;\n\n      content: attr(data-label);\n    }\n\n    .tu-susep-v3-timeline-table tbody\n    .tu-susep-v3-timeline-table__date {\n      padding: 12px 14px !important;\n\n      background: var(--tu-red) !important;\n\n      border-bottom: 1px solid rgba(0, 0, 0, 0.15);\n\n      color: var(--tu-black) !important;\n\n      font-size: 14.5px;\n    }\n\n    .tu-susep-v3-timeline-table tbody\n    .tu-susep-v3-timeline-table__date::before {\n      content: none;\n    }\n  }\n<\/style>\n\n<div class=\"tu-susep-v3-timeline-table\">\n\n  <div class=\"tu-susep-v3-timeline-table__container\">\n\n    <table>\n\n      <thead>\n        <tr>\n          <th scope=\"col\">Data<\/th>\n          <th scope=\"col\">Marco<\/th>\n          <th scope=\"col\">Alcance<\/th>\n        <\/tr>\n      <\/thead>\n\n      <tbody>\n\n        <tr>\n          <td\n            class=\"tu-susep-v3-timeline-table__date\"\n            data-label=\"Data\"\n          >\n            2 de mar\u00e7o de 2026\n          <\/td>\n\n          <td\n            class=\"tu-susep-v3-timeline-table__milestone\"\n            data-label=\"Marco\"\n          >\n            Entrada em produ\u00e7\u00e3o do leiaute V3.\n          <\/td>\n\n          <td\n            class=\"tu-susep-v3-timeline-table__scope\"\n            data-label=\"Alcance\"\n          >\n            Circular Susep n\u00ba 710\/2024 \u2014 danos e pessoas em reparti\u00e7\u00e3o simples.\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td\n            class=\"tu-susep-v3-timeline-table__date\"\n            data-label=\"Data\"\n          >\n            2 de setembro de 2026\n          <\/td>\n\n          <td\n            class=\"tu-susep-v3-timeline-table__milestone\"\n            data-label=\"Marco\"\n          >\n            In\u00edcio da homologa\u00e7\u00e3o com testes integrados.\n          <\/td>\n\n          <td\n            class=\"tu-susep-v3-timeline-table__scope\"\n            data-label=\"Alcance\"\n          >\n            Circulares Susep n\u00ba 711, 713, 714 e 715\/2024.\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td\n            class=\"tu-susep-v3-timeline-table__date\"\n            data-label=\"Data\"\n          >\n            1\u00ba de dezembro de 2026\n          <\/td>\n\n          <td\n            class=\"tu-susep-v3-timeline-table__milestone\"\n            data-label=\"Marco\"\n          >\n            In\u00edcio da obrigatoriedade do envio.\n          <\/td>\n\n          <td\n            class=\"tu-susep-v3-timeline-table__scope\"\n            data-label=\"Alcance\"\n          >\n            Circulares Susep n\u00ba 711, 713, 714 e 715\/2024.\n          <\/td>\n        <\/tr>\n\n      <\/tbody>\n\n    <\/table>\n\n  <\/div>\n\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">O Of\u00edcio n\u00ba 10\/2026, de 8 de maio de 2026, atualizou o leiaute e manteve os prazos definidos no art. 3\u00ba dessas circulares. Como a linha de homologa\u00e7\u00e3o seguiu evoluindo depois disso \u2014 rc.3 e rc.4 foram publicadas em of\u00edcios posteriores \u2014, conv\u00e9m confirmar a vers\u00e3o vigente na se\u00e7\u00e3o de leiaute e cronograma de obrigatoriedades da p\u00e1gina oficial do SRO antes de fechar um plano de projeto.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f <strong>Vale um cuidado de leitura<\/strong>: o pr\u00f3prio art. 3\u00ba das circulares prev\u00ea que os registros devem ocorrer em ambiente de homologa\u00e7\u00e3o <strong>at\u00e9 60 dias antes<\/strong> da data de obrigatoriedade. Na pr\u00e1tica, isso significa que a janela \u00fatil para descobrir problemas de mapeamento n\u00e3o vai at\u00e9 dezembro \u2014 ela j\u00e1 est\u00e1 aberta e estreitando.<\/p>\n\n\n\n<style>\n  .tu-susep-december-window-cta,\n  .tu-susep-december-window-cta * {\n    box-sizing: border-box;\n  }\n\n  .tu-susep-december-window-cta {\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    gap: 24px;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n    padding: 22px 24px;\n\n    background: #DD4E4B;\n    border: 2px solid #000000;\n    border-radius: 4px 17px 17px 17px;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n  }\n\n  .tu-susep-december-window-cta__content {\n    display: flex;\n    align-items: flex-start;\n    gap: 14px;\n    min-width: 0;\n  }\n\n  .tu-susep-december-window-cta__marker {\n    display: flex;\n    align-items: center;\n    justify-content: center;\n\n    flex: 0 0 36px;\n    width: 36px;\n    height: 36px;\n\n    background: #FFFFFF;\n    border-radius: 50%;\n\n    color: #DD4E4B;\n    font-size: 15px;\n    font-weight: 700;\n    line-height: 1;\n  }\n\n  .tu-susep-december-window-cta__text {\n    min-width: 0;\n  }\n\n  .tu-susep-december-window-cta__text strong {\n    display: block;\n    margin: 0 0 6px;\n\n    color: #FFFFFF;\n    font-size: 15px;\n    font-weight: 700;\n    line-height: 1.45;\n\n    word-break: normal;\n    overflow-wrap: normal;\n    hyphens: none;\n  }\n\n  .tu-susep-december-window-cta__text p {\n    margin: 0 !important;\n    padding: 0 !important;\n\n    max-width: 790px;\n\n    color: #FFFFFF !important;\n    font-size: 13.5px;\n    font-weight: 400;\n    line-height: 1.6;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  .tu-susep-december-window-cta__button {\n    display: inline-flex;\n    align-items: center;\n    justify-content: center;\n    gap: 8px;\n\n    flex: 0 0 auto;\n\n    min-height: 42px;\n    padding: 10px 17px;\n\n    background: #FFFFFF;\n    border: 1px solid #FFFFFF;\n    border-radius: 8px;\n\n    color: #000000 !important;\n    text-decoration: none !important;\n\n    font-size: 12.75px;\n    font-weight: 700;\n    line-height: 1.2;\n\n    transition:\n      background-color .2s ease,\n      border-color .2s ease,\n      color .2s ease,\n      transform .2s ease;\n  }\n\n  .tu-susep-december-window-cta__button::after {\n    content: \"\u2192\";\n    font-size: 15px;\n    line-height: 1;\n  }\n\n  .tu-susep-december-window-cta__button:hover,\n  .tu-susep-december-window-cta__button:focus {\n    background: #000000;\n    border-color: #000000;\n\n    color: #FFFFFF !important;\n    text-decoration: none !important;\n  }\n\n  .tu-susep-december-window-cta__button:focus-visible {\n    outline: 2px solid #FFFFFF;\n    outline-offset: 3px;\n  }\n\n  @media (hover: hover) and (pointer: fine) {\n    .tu-susep-december-window-cta__button:hover {\n      transform: translateY(-1px);\n    }\n  }\n\n  @media (max-width: 680px) {\n    .tu-susep-december-window-cta {\n      flex-direction: column;\n      align-items: flex-start;\n      gap: 16px;\n\n      margin: 20px 0;\n      padding: 19px 18px;\n\n      border-radius: 4px 15px 15px 15px;\n    }\n\n    .tu-susep-december-window-cta__content {\n      gap: 12px;\n    }\n\n    .tu-susep-december-window-cta__marker {\n      flex-basis: 32px;\n      width: 32px;\n      height: 32px;\n\n      font-size: 14px;\n    }\n\n    .tu-susep-december-window-cta__text strong {\n      font-size: 14.5px;\n    }\n\n    .tu-susep-december-window-cta__text p {\n      font-size: 13px;\n    }\n\n    .tu-susep-december-window-cta__button {\n      width: 100%;\n      min-height: 40px;\n      padding: 9px 15px;\n\n      font-size: 12.5px;\n    }\n  }\n<\/style>\n\n<div class=\"tu-susep-december-window-cta\">\n\n  <div class=\"tu-susep-december-window-cta__content\">\n\n    <div\n      class=\"tu-susep-december-window-cta__marker\"\n      aria-hidden=\"true\"\n    >\n      \u2192\n    <\/div>\n\n    <div class=\"tu-susep-december-window-cta__text\">\n\n      <strong>\n        N\u00e3o teste apenas o envio simples antes da janela de dezembro.\n      <\/strong>\n\n      <p>\n        Se a carteira possui produtos alcan\u00e7ados por essas circulares, antecipe\n        cen\u00e1rios de endosso, cancelamento e sinistro no novo leiaute \u2014 justamente\n        onde o mapeamento entre sistemas legados e o formato regulat\u00f3rio tende\n        a exigir mais ajuste.\n      <\/p>\n\n    <\/div>\n\n  <\/div>\n\n  <a\n    class=\"tu-susep-december-window-cta__button\"\n    href=\"https:\/\/tecnologiaunica.com.br\/contato\/?utm_source=blog&amp;utm_medium=artigo&amp;utm_campaign=sro-susep-marco-dezembro\"\n    aria-label=\"Converse com um especialista da Tecnologia \u00danica sobre a janela de adequa\u00e7\u00e3o ao novo leiaute at\u00e9 dezembro\"\n  >\n    Dimensionar a janela at\u00e9 dezembro\n  <\/a>\n\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Onde o esfor\u00e7o realmente se concentra<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A leitura mais comum sobre o SRO \u00e9 que se trata de um problema de integra\u00e7\u00e3o: conectar-se \u00e0 API da registradora e enviar. Essa \u00e9 a parte menor. O esfor\u00e7o se concentra em quatro frentes anteriores ao envio.<\/p>\n\n\n\n<style>\n  .tu-sro-operational-risks,\n  .tu-sro-operational-risks * {\n    box-sizing: border-box;\n  }\n\n  .tu-sro-operational-risks {\n    --tu-red: #DD4E4B;\n    --tu-black: #000000;\n    --tu-white: #FFFFFF;\n    --tu-soft: #FFF7F7;\n    --tu-text: #3D3D3D;\n    --tu-line: #E7E7E7;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n  }\n\n  .tu-sro-operational-risks__stack {\n    display: flex;\n    flex-direction: column;\n    gap: 10px;\n\n    width: 100%;\n  }\n\n  \/* BLOCO *\/\n\n  .tu-sro-operational-risks__item {\n    display: grid;\n    grid-template-columns: 38px minmax(0, 210px) minmax(0, 1fr);\n    align-items: start;\n    gap: 13px;\n\n    width: 100%;\n    min-width: 0;\n    padding: 18px 19px;\n\n    background: var(--tu-white);\n    border: 1px solid var(--tu-line);\n    border-left: 4px solid var(--tu-red);\n    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  word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  .tu-sro-operational-risks__item--red h3 {\n    color: var(--tu-white);\n  }\n\n  \/* TEXTO *\/\n\n  .tu-sro-operational-risks__content {\n    min-width: 0;\n  }\n\n  .tu-sro-operational-risks__content p {\n    margin: 0 0 10px !important;\n    padding: 0 !important;\n\n    color: var(--tu-text) !important;\n    font-size: 12.95px;\n    font-weight: 400;\n    line-height: 1.62;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  .tu-sro-operational-risks__content p:last-child {\n    margin-bottom: 0 !important;\n  }\n\n  .tu-sro-operational-risks__item--red\n  .tu-sro-operational-risks__content p {\n    color: var(--tu-white) !important;\n  }\n\n  \/* CTA INTERNO *\/\n\n  .tu-sro-operational-risks__related {\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    gap: 14px;\n\n    margin-top: 13px;\n    padding-top: 12px;\n\n    border-top: 1px solid var(--tu-line);\n  }\n\n  .tu-sro-operational-risks__item--red\n  .tu-sro-operational-risks__related {\n    border-color: rgba(255, 255, 255, 0.34);\n  }\n\n  .tu-sro-operational-risks__related span {\n    min-width: 0;\n\n    color: var(--tu-black);\n    font-size: 12.35px;\n    font-weight: 600;\n    line-height: 1.45;\n  }\n\n  .tu-sro-operational-risks__item--red\n  .tu-sro-operational-risks__related span {\n    color: var(--tu-white);\n  }\n\n  .tu-sro-operational-risks__related a {\n    display: inline-flex;\n    align-items: center;\n    justify-content: center;\n    gap: 7px;\n\n    flex: 0 0 auto;\n\n    min-height: 36px;\n    padding: 8px 13px;\n\n    background: var(--tu-red);\n    border: 1px solid var(--tu-red);\n    border-radius: 7px;\n\n    color: var(--tu-white) !important;\n    text-decoration: none !important;\n\n    font-size: 11.75px;\n    font-weight: 700;\n    line-height: 1.2;\n\n    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grid-template-columns: 36px minmax(0, 175px) minmax(0, 1fr);\n    }\n  }\n\n  @media (max-width: 680px) {\n    .tu-sro-operational-risks {\n      margin: 20px 0;\n    }\n\n    .tu-sro-operational-risks__stack {\n      gap: 8px;\n    }\n\n    .tu-sro-operational-risks__item {\n      grid-template-columns: 34px minmax(0, 1fr);\n      gap: 7px 9px;\n\n      padding: 15px 14px;\n\n      border-radius: 4px 12px 12px 12px;\n    }\n\n    .tu-sro-operational-risks__number {\n      width: 28px;\n      height: 28px;\n      font-size: 9px;\n    }\n\n    .tu-sro-operational-risks h3 {\n      font-size: 13.75px;\n    }\n\n    .tu-sro-operational-risks__content {\n      grid-column: 2;\n    }\n\n    .tu-sro-operational-risks__content p {\n      font-size: 12.6px;\n    }\n\n    .tu-sro-operational-risks__related {\n      flex-direction: column;\n      align-items: flex-start;\n    }\n\n    .tu-sro-operational-risks__related a {\n      width: 100%;\n    }\n  }\n<\/style>\n\n<div class=\"tu-sro-operational-risks\">\n\n  <div class=\"tu-sro-operational-risks__stack\">\n\n\n    <!-- 01 -->\n\n    <section class=\"tu-sro-operational-risks__item\">\n\n      <div class=\"tu-sro-operational-risks__number\">\n        01\n      <\/div>\n\n      <h3>\n        Origem dos dados\n      <\/h3>\n\n      <div class=\"tu-sro-operational-risks__content\">\n\n        <p>\n          O leiaute exige campos que nem sempre existem estruturados no core system.\n          Quando a informa\u00e7\u00e3o est\u00e1 em campo livre, em anexo ou na cabe\u00e7a de quem\n          emite, algu\u00e9m precisa preench\u00ea-la \u2014 e o registro passa a depender de\n          trabalho manual recorrente.\n        <\/p>\n\n      <\/div>\n\n    <\/section>\n\n\n    <!-- 02 -->\n\n    <section class=\"tu-sro-operational-risks__item tu-sro-operational-risks__item--soft\">\n\n      <div class=\"tu-sro-operational-risks__number\">\n        02\n      <\/div>\n\n      <h3>\n        Consist\u00eancia entre sistemas\n      <\/h3>\n\n      <div class=\"tu-sro-operational-risks__content\">\n\n        <p>\n          Cotador, sistema de ap\u00f3lices, sistema de sinistros e a base cont\u00e1bil\n          precisam contar a mesma hist\u00f3ria sobre o mesmo contrato.\n        <\/p>\n\n        <p>\n          Diverg\u00eancias que antes eram conciliadas no fechamento agora aparecem\n          como rejei\u00e7\u00e3o, com prazo correndo. \u00c9 o ponto em que qualidade de dados\n          em seguradoras deixa de ser um tema de BI e vira restri\u00e7\u00e3o operacional.\n        <\/p>\n\n        <div class=\"tu-sro-operational-risks__related\">\n\n          <span>\n            Aprofunde os impactos da consist\u00eancia e da qualidade da base.\n          <\/span>\n\n          <a\n            href=\"https:\/\/tecnologiaunica.com.br\/blog\/qualidade-de-dados-em-seguradoras\/\"\n            aria-label=\"Leia o conte\u00fado sobre qualidade de dados em seguradoras\"\n          >\n            Ver qualidade de dados\n          <\/a>\n\n        <\/div>\n\n      <\/div>\n\n    <\/section>\n\n\n    <!-- 03 -->\n\n    <section class=\"tu-sro-operational-risks__item\">\n\n      <div class=\"tu-sro-operational-risks__number\">\n        03\n      <\/div>\n\n      <h3>\n        Canais e parceiros\n      <\/h3>\n\n      <div class=\"tu-sro-operational-risks__content\">\n\n        <p>\n          Bilhetes emitidos por intermedi\u00e1rios, ap\u00f3lices coletivas em forma de\n          fatura e averba\u00e7\u00f5es de transporte t\u00eam regras pr\u00f3prias de contagem de prazo.\n        <\/p>\n\n        <p>\n          Se cada canal chega ao registro por um caminho distinto, a cobertura\n          do processo fica desigual \u2014 e o canal esquecido costuma ser descoberto\n          por rejei\u00e7\u00e3o, n\u00e3o por auditoria interna.\n        <\/p>\n\n      <\/div>\n\n    <\/section>\n\n\n    <!-- 04 -->\n\n    <section class=\"tu-sro-operational-risks__item tu-sro-operational-risks__item--red\">\n\n      <div class=\"tu-sro-operational-risks__number\">\n        04\n      <\/div>\n\n      <h3>\n        Tratamento de rejei\u00e7\u00e3o\n      <\/h3>\n\n      <div class=\"tu-sro-operational-risks__content\">\n\n        <p>\n          Este \u00e9 o ponto mais subestimado. Enviar \u00e9 f\u00e1cil; saber o que voltou,\n          por qu\u00ea, quem corrige e em quanto tempo \u00e9 o que separa um processo\n          sustent\u00e1vel de um esfor\u00e7o heroico mensal.\n        <\/p>\n\n        <p>\n          Sem observabilidade sobre as jornadas cr\u00edticas, a opera\u00e7\u00e3o s\u00f3 descobre\n          o problema quando ele j\u00e1 \u00e9 volume.\n        <\/p>\n\n        <div class=\"tu-sro-operational-risks__related\">\n\n          <span>\n            Entenda como ampliar a visibilidade sobre falhas, integra\u00e7\u00f5es e exce\u00e7\u00f5es.\n          <\/span>\n\n          <a\n            href=\"https:\/\/tecnologiaunica.com.br\/blog\/observabilidade-em-sistemas-de-seguros\/\"\n            aria-label=\"Leia o conte\u00fado sobre observabilidade em sistemas de seguros\"\n          >\n            Ver observabilidade\n          <\/a>\n\n        <\/div>\n\n      <\/div>\n\n    <\/section>\n\n\n  <\/div>\n\n<\/div>\n\n\n\n<div class=\"tu-sro-wrapper\" id=\"tuSroChecklist\">\n  <style>\n    .tu-sro-wrapper{\n      --tu-sro-vermelho:#DD4E4B;\n      --tu-sro-preto:#000000;\n      --tu-sro-coral:#E47F79;\n      --tu-sro-cinza:#A8A9AC;\n      --tu-sro-azul:#36A6B2;\n      --tu-sro-amarelo:#FBD347;\n      --tu-sro-profundo:#1B3F53;\n      --tu-sro-laranja:#EA973E;\n      --tu-sro-branco:#FFFFFF;\n      --tu-sro-radius:14px;\n      font-family:\"DM Sans\",\"Helvetica Neue\",Helvetica,Arial,sans-serif;\n      background:var(--tu-sro-branco);\n      border:2px solid var(--tu-sro-preto);\n      border-radius:var(--tu-sro-radius);\n      padding:28px 24px;\n      margin:36px 0;\n      color:var(--tu-sro-preto);\n      max-width:100%;\n      box-sizing:border-box;\n    }\n    .tu-sro-wrapper *{box-sizing:border-box;}\n    .tu-sro-eyebrow{\n      display:inline-block;font-size:12px;font-weight:700;letter-spacing:.08em;\n      text-transform:uppercase;color:var(--tu-sro-vermelho);\n      border:1px solid 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4px;line-height:1.3;\n    }\n    .tu-sro-clear{\n      background:none;border:1px solid var(--tu-sro-cinza);color:#444;\n      border-radius:999px;padding:11px 18px;font-size:14px;font-weight:600;\n      cursor:pointer;font-family:inherit;\n    }\n    .tu-sro-clear:hover{border-color:var(--tu-sro-preto);color:var(--tu-sro-preto);}\n    .tu-sro-cta:focus-visible,.tu-sro-cta2:focus-visible,.tu-sro-clear:focus-visible{outline:3px solid var(--tu-sro-azul);outline-offset:2px;}\n    .tu-sro-note{font-size:12.5px;line-height:1.55;color:#666;margin:16px 0 0;}\n    @media (max-width:480px){\n      .tu-sro-wrapper{padding:22px 16px;}\n      .tu-sro-title{font-size:19px;}\n      .tu-sro-cta,.tu-sro-clear{width:100%;text-align:center;}\n    }\n    @media (prefers-reduced-motion:reduce){\n      .tu-sro-fill{transition:none;}\n      .tu-sro-label{transition:none;}\n    }\n  <\/style>\n\n  <span class=\"tu-sro-eyebrow\">Checklist de prontid\u00e3o<\/span>\n  <h3 class=\"tu-sro-title\">Sua opera\u00e7\u00e3o sustenta o registro no SRO sem depender de esfor\u00e7o manual?<\/h3>\n  <p class=\"tu-sro-intro\">Marque apenas os itens que j\u00e1 s\u00e3o verdadeiros na sua opera\u00e7\u00e3o hoje. S\u00e3o condi\u00e7\u00f5es observ\u00e1veis \u2014 n\u00e3o uma medi\u00e7\u00e3o de conformidade regulat\u00f3ria. O resultado \u00e9 uma contagem descritiva, \u00fatil para priorizar conversas internas antes do pr\u00f3ximo marco de obrigatoriedade.<\/p>\n\n  <div class=\"tu-sro-progress-row\">\n    <span class=\"tu-sro-track\"><span class=\"tu-sro-fill\" id=\"tuSroFill\"><\/span><\/span>\n    <span class=\"tu-sro-counter\"><span id=\"tuSroCount\">0<\/span> de 8 itens marcados<\/span>\n  <\/div>\n\n  <ul class=\"tu-sro-list\">\n    <li class=\"tu-sro-item\"><label class=\"tu-sro-label\"><input type=\"checkbox\"><span class=\"tu-sro-text\">Os campos obrigat\u00f3rios do leiaute vigente saem dos sistemas de origem (emiss\u00e3o, ap\u00f3lice, sinistro) sem preenchimento ou concilia\u00e7\u00e3o manual.<\/span><\/label><\/li>\n    <li class=\"tu-sro-item\"><label class=\"tu-sro-label\"><input type=\"checkbox\"><span class=\"tu-sro-text\">Existe respons\u00e1vel nomeado e fluxo definido para tratar registros rejeitados pela registradora dentro do prazo regulat\u00f3rio.<\/span><\/label><\/li>\n    <li class=\"tu-sro-item\"><label class=\"tu-sro-label\"><input type=\"checkbox\"><span class=\"tu-sro-text\">\u00c9 poss\u00edvel saber, hoje, quantos registros foram enviados, aceitos e rejeitados no \u00faltimo m\u00eas sem pedir relat\u00f3rio \u00e0 registradora.<\/span><\/label><\/li>\n    <li class=\"tu-sro-item\"><label class=\"tu-sro-label\"><input type=\"checkbox\"><span class=\"tu-sro-text\">Os prazos de 5 dias \u00fateis e 30 dias corridos s\u00e3o monitorados automaticamente, com alerta antes do vencimento.<\/span><\/label><\/li>\n    <li class=\"tu-sro-item\"><label class=\"tu-sro-label\"><input type=\"checkbox\"><span class=\"tu-sro-text\">Emiss\u00e3o por canais e parceiros (bilhetes, ap\u00f3lices coletivas, averba\u00e7\u00f5es) entra no mesmo fluxo de registro dos canais pr\u00f3prios.<\/span><\/label><\/li>\n    <li class=\"tu-sro-item\"><label class=\"tu-sro-label\"><input type=\"checkbox\"><span class=\"tu-sro-text\">A opera\u00e7\u00e3o j\u00e1 executou testes no ambiente de homologa\u00e7\u00e3o da registradora para o leiaute em vigor na pr\u00f3xima obrigatoriedade.<\/span><\/label><\/li>\n    <li class=\"tu-sro-item\"><label class=\"tu-sro-label\"><input type=\"checkbox\"><span class=\"tu-sro-text\">Mudan\u00e7as de produto ou de campo no core system passam por avalia\u00e7\u00e3o de impacto no envio ao SRO antes de ir para produ\u00e7\u00e3o.<\/span><\/label><\/li>\n    <li class=\"tu-sro-item\"><label class=\"tu-sro-label\"><input type=\"checkbox\"><span class=\"tu-sro-text\">H\u00e1 trilha que permite reconstruir o que foi enviado, quando e com qual conte\u00fado, para responder a um questionamento de supervis\u00e3o.<\/span><\/label><\/li>\n  <\/ul>\n\n  <div aria-live=\"polite\">\n    <div class=\"tu-sro-result\" id=\"tuSroResult\" hidden>\n      <h4 id=\"tuSroResultTitle\"><\/h4>\n      <p id=\"tuSroResultText\"><\/p>\n    <\/div>\n  <\/div>\n\n  <div class=\"tu-sro-actions\">\n    <a class=\"tu-sro-cta\" href=\"https:\/\/tecnologiaunica.com.br\/contato\/?utm_source=blog&amp;utm_medium=artigo&amp;utm_campaign=checklist-sro-susep\" target=\"_blank\" rel=\"noopener\">Discutir os pontos em aberto com um especialista<\/a>\n    <button type=\"button\" class=\"tu-sro-clear\" id=\"tuSroClear\">Limpar respostas<\/button>\n    <a class=\"tu-sro-cta2\" href=\"https:\/\/tecnologiaunica.com.br\/blog\/arquitetura-de-dados-para-seguradoras\/\">Ver crit\u00e9rios de arquitetura de dados<\/a>\n  <\/div>\n\n  <p class=\"tu-sro-note\">Nenhuma resposta \u00e9 salva ou enviada: as marca\u00e7\u00f5es existem apenas nesta sess\u00e3o do navegador e desaparecem ao recarregar a p\u00e1gina. Itens n\u00e3o marcados indicam aus\u00eancia de confirma\u00e7\u00e3o, n\u00e3o uma falha comprovada.<\/p>\n<\/div>\n\n<script>\n(function(){\n  var root = document.getElementById('tuSroChecklist');\n  if (!root || root.getAttribute('data-tu-sro-ready') === '1') return;\n  root.setAttribute('data-tu-sro-ready','1');\n\n  var items = root.querySelectorAll('.tu-sro-item');\n  var boxes = root.querySelectorAll('.tu-sro-item input[type=\"checkbox\"]');\n  var fill = root.querySelector('#tuSroFill');\n  var count = root.querySelector('#tuSroCount');\n  var clear = root.querySelector('#tuSroClear');\n  var result = root.querySelector('#tuSroResult');\n  var rTitle = root.querySelector('#tuSroResultTitle');\n  var rText = root.querySelector('#tuSroResultText');\n  var total = boxes.length;\n  var classes = ['tu-sro-r1','tu-sro-r2','tu-sro-r3','tu-sro-r4'];\n\n  function feedback(n){\n    if (n <= 2) {\n      return ['tu-sro-r1','Poucas condi\u00e7\u00f5es confirmadas: o registro provavelmente depende de esfor\u00e7o manual',\n        'Com ' + n + ' de ' + total + ' itens confirmados, o envio ao SRO tende a funcionar por reprocesso e confer\u00eancia humana. O ponto de partida \u00fatil costuma ser mapear de onde sai cada campo obrigat\u00f3rio e onde ocorrem as rejei\u00e7\u00f5es, antes de discutir ferramenta ou fornecedor.'];\n    }\n    if (n <= 5) {\n      return ['tu-sro-r2','Base parcial: o fluxo existe, mas ainda h\u00e1 depend\u00eancias n\u00e3o confirmadas',\n        'Com ' + n + ' de ' + total + ' itens confirmados, a opera\u00e7\u00e3o j\u00e1 tem parte do caminho estruturado. Os itens n\u00e3o marcados indicam onde vale checar evid\u00eancia \u2014 em especial tratamento de rejei\u00e7\u00e3o, monitoramento de prazo e canais de emiss\u00e3o fora do sistema principal.'];\n    }\n    if (n <= 7) {\n      return ['tu-sro-r3','Estrutura consistente, com pontos espec\u00edficos a fechar',\n        'Com ' + n + ' de ' + total + ' itens confirmados, o registro parece sustentado por processo, n\u00e3o por improviso. Vale concentrar aten\u00e7\u00e3o nos itens restantes: costumam ser os que aparecem primeiro quando o leiaute muda ou o volume cresce.'];\n    }\n    return ['tu-sro-r4','Todos os itens confirmados: o foco passa a ser manuten\u00e7\u00e3o',\n      'Com os ' + total + ' itens confirmados, o esfor\u00e7o muda de natureza: sustentar o fluxo quando o leiaute for atualizado, quando novos produtos entrarem e quando o volume de emiss\u00e3o crescer. Revisitar este checklist a cada mudan\u00e7a de vers\u00e3o ajuda a manter a leitura atualizada.'];\n  }\n\n  function update(){\n    var n = 0, i;\n    for (i = 0; i < total; i++) {\n      if (boxes[i].checked) { n++; items[i].classList.add('tu-sro-on'); }\n      else { items[i].classList.remove('tu-sro-on'); }\n    }\n    count.textContent = String(n);\n    fill.style.width = Math.round((n \/ total) * 100) + '%';\n\n    if (n === 0) { result.hidden = true; return; }\n\n    var f = feedback(n);\n    for (i = 0; i < classes.length; i++) { result.classList.remove(classes[i]); }\n    result.classList.add(f[0]);\n    rTitle.textContent = f[1];\n    rText.textContent = f[2];\n    result.hidden = false;\n  }\n\n  for (var i = 0; i < total; i++) { boxes[i].addEventListener('change', update); }\n\n  clear.addEventListener('click', function(){\n    for (var j = 0; j < total; j++) { boxes[j].checked = false; }\n    update();\n    boxes[0].focus();\n  });\n\n  update();\n})();\n<\/script>\n\n\n\n<p class=\"wp-block-paragraph\">Os itens que ficaram sem marca\u00e7\u00e3o indicam onde vale buscar evid\u00eancia antes de decidir o caminho e n\u00e3o, por si s\u00f3, uma n\u00e3o conformidade.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">O que costuma dar errado na pr\u00e1tica<\/h2>\n\n\n\n<style>\n  .tu-sro-execution-risks-table,\n  .tu-sro-execution-risks-table * {\n    box-sizing: border-box;\n  }\n\n  .tu-sro-execution-risks-table {\n    --tu-red: #DD4E4B;\n    --tu-black: #000000;\n    --tu-white: #FFFFFF;\n    --tu-soft: #FFF7F7;\n    --tu-line: #E7E7E7;\n    --tu-text: #2F2F2F;\n    --tu-text-soft: #555555;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n  }\n\n  .tu-sro-execution-risks-table__container {\n    width: 100%;\n    max-width: 100%;\n\n    overflow: hidden;\n\n    background: var(--tu-white);\n    border: 1px solid #D9D9D9;\n    border-radius: 4px 16px 16px 16px;\n  }\n\n  .tu-sro-execution-risks-table table {\n    width: 100% !important;\n    max-width: 100% !important;\n    margin: 0 !important;\n\n    border-collapse: separate;\n    border-spacing: 0;\n    table-layout: fixed;\n  }\n\n  .tu-sro-execution-risks-table th,\n  .tu-sro-execution-risks-table td {\n    padding: 14px 13px;\n\n    vertical-align: top;\n    text-align: left;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  \/* CABE\u00c7ALHO *\/\n\n  .tu-sro-execution-risks-table thead th {\n    background: var(--tu-red);\n    color: var(--tu-black);\n\n    border-right: 1px solid rgba(0, 0, 0, 0.14);\n\n    font-size: 12.25px;\n    font-weight: 700;\n    line-height: 1.4;\n  }\n\n  .tu-sro-execution-risks-table thead th:last-child {\n    border-right: 0;\n  }\n\n  \/* CORPO *\/\n\n  .tu-sro-execution-risks-table tbody td {\n    background: var(--tu-white);\n\n    border-right: 1px solid var(--tu-line);\n    border-bottom: 1px solid var(--tu-line);\n\n    color: var(--tu-text);\n\n    font-size: 12.7px;\n    font-weight: 400;\n    line-height: 1.52;\n  }\n\n  .tu-sro-execution-risks-table tbody tr:nth-child(even) td {\n    background: var(--tu-soft);\n  }\n\n  .tu-sro-execution-risks-table tbody td:last-child {\n    border-right: 0;\n  }\n\n  .tu-sro-execution-risks-table tbody tr:last-child td {\n    border-bottom: 0;\n  }\n\n  \/* COLUNAS *\/\n\n  .tu-sro-execution-risks-table__risk {\n    position: relative;\n\n    width: 24%;\n    padding-left: 18px !important;\n\n    color: var(--tu-black) !important;\n    font-weight: 700 !important;\n  }\n\n  .tu-sro-execution-risks-table__risk::before {\n    content: \"\";\n\n    position: absolute;\n    top: 0;\n    bottom: 0;\n    left: 0;\n\n    width: 4px;\n\n    background: var(--tu-red);\n  }\n\n  .tu-sro-execution-risks-table__why {\n    width: 24%;\n    color: var(--tu-text-soft) !important;\n  }\n\n  .tu-sro-execution-risks-table__consequence {\n    width: 25%;\n  }\n\n  .tu-sro-execution-risks-table__action {\n    width: 27%;\n  }\n\n  \/* TABLET *\/\n\n  @media (max-width: 980px) and (min-width: 681px) {\n    .tu-sro-execution-risks-table th,\n    .tu-sro-execution-risks-table td {\n      padding: 11px 9px;\n    }\n\n    .tu-sro-execution-risks-table thead th {\n      font-size: 10.9px;\n    }\n\n    .tu-sro-execution-risks-table tbody td {\n      font-size: 11.6px;\n    }\n\n    .tu-sro-execution-risks-table__risk {\n      padding-left: 14px !important;\n    }\n  }\n\n  \/* MOBILE *\/\n\n  @media (max-width: 680px) {\n    .tu-sro-execution-risks-table {\n      margin: 20px 0;\n    }\n\n    .tu-sro-execution-risks-table__container {\n      overflow: visible;\n\n      background: transparent;\n      border: 0;\n      border-radius: 0;\n    }\n\n    .tu-sro-execution-risks-table table,\n    .tu-sro-execution-risks-table tbody,\n    .tu-sro-execution-risks-table tr,\n    .tu-sro-execution-risks-table td {\n      display: block;\n\n      width: 100% !important;\n      max-width: 100% !important;\n    }\n\n    .tu-sro-execution-risks-table thead {\n      position: absolute;\n\n      width: 1px;\n      height: 1px;\n\n      margin: -1px;\n      padding: 0;\n\n      overflow: hidden;\n\n      clip: rect(0, 0, 0, 0);\n      white-space: nowrap;\n\n      border: 0;\n    }\n\n    .tu-sro-execution-risks-table tbody {\n      display: grid;\n      gap: 12px;\n    }\n\n    .tu-sro-execution-risks-table tbody tr {\n      overflow: hidden;\n\n      background: var(--tu-white);\n\n      border: 1px solid #DCDCDC;\n      border-radius: 4px 13px 13px 13px;\n    }\n\n    .tu-sro-execution-risks-table tbody td,\n    .tu-sro-execution-risks-table tbody tr:nth-child(even) td {\n      width: 100% !important;\n\n      padding: 12px 14px;\n\n      background: var(--tu-white);\n\n      border-right: 0;\n      border-bottom: 1px solid var(--tu-line);\n\n      font-size: 13px;\n    }\n\n    .tu-sro-execution-risks-table tbody td:last-child {\n      border-bottom: 0;\n    }\n\n    .tu-sro-execution-risks-table tbody td::before {\n      display: block;\n\n      margin-bottom: 4px;\n\n      color: #6B6B6B;\n\n      font-size: 10px;\n      font-weight: 700;\n      line-height: 1.2;\n      letter-spacing: .04em;\n      text-transform: uppercase;\n\n      content: attr(data-label);\n    }\n\n    .tu-sro-execution-risks-table tbody\n    .tu-sro-execution-risks-table__risk {\n      padding: 12px 14px !important;\n\n      background: var(--tu-red) !important;\n\n      border-bottom: 1px solid rgba(0, 0, 0, 0.15);\n\n      color: var(--tu-black) !important;\n\n      font-size: 14.5px;\n    }\n\n    .tu-sro-execution-risks-table tbody\n    .tu-sro-execution-risks-table__risk::before {\n      content: none;\n    }\n  }\n<\/style>\n\n<div class=\"tu-sro-execution-risks-table\">\n\n  <div class=\"tu-sro-execution-risks-table__container\">\n\n    <table>\n\n      <thead>\n        <tr>\n          <th scope=\"col\">Erro ou risco de execu\u00e7\u00e3o<\/th>\n          <th scope=\"col\">Por que acontece<\/th>\n          <th scope=\"col\">Consequ\u00eancia poss\u00edvel<\/th>\n          <th scope=\"col\">Como reduzir o risco<\/th>\n        <\/tr>\n      <\/thead>\n\n      <tbody>\n\n        <tr>\n          <td class=\"tu-sro-execution-risks-table__risk\" data-label=\"Erro ou risco de execu\u00e7\u00e3o\">\n            Tratar o SRO como projeto com data de fim\n          <\/td>\n\n          <td class=\"tu-sro-execution-risks-table__why\" data-label=\"Por que acontece\">\n            A entrega \u00e9 medida pela primeira obrigatoriedade atendida, sem previs\u00e3o de manuten\u00e7\u00e3o.\n          <\/td>\n\n          <td class=\"tu-sro-execution-risks-table__consequence\" data-label=\"Consequ\u00eancia poss\u00edvel\">\n            Cada nova vers\u00e3o de leiaute vira urg\u00eancia e reabre esfor\u00e7o de mapeamento.\n          <\/td>\n\n          <td class=\"tu-sro-execution-risks-table__action\" data-label=\"Como reduzir o risco\">\n            Prever capacidade recorrente de manuten\u00e7\u00e3o do fluxo, n\u00e3o apenas de implanta\u00e7\u00e3o.\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td class=\"tu-sro-execution-risks-table__risk\" data-label=\"Erro ou risco de execu\u00e7\u00e3o\">\n            Construir o envio fora do core system, em camada paralela\n          <\/td>\n\n          <td class=\"tu-sro-execution-risks-table__why\" data-label=\"Por que acontece\">\n            Caminho mais r\u00e1pido para cumprir o prazo inicial sem tocar no legado.\n          <\/td>\n\n          <td class=\"tu-sro-execution-risks-table__consequence\" data-label=\"Consequ\u00eancia poss\u00edvel\">\n            Duas fontes de verdade que divergem com o tempo e dificultam explicar um n\u00famero \u00e0 supervis\u00e3o.\n          <\/td>\n\n          <td class=\"tu-sro-execution-risks-table__action\" data-label=\"Como reduzir o risco\">\n            Manter o sistema de origem como fonte \u00fanica e tratar a camada de envio como tradu\u00e7\u00e3o, n\u00e3o como base.\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td class=\"tu-sro-execution-risks-table__risk\" data-label=\"Erro ou risco de execu\u00e7\u00e3o\">\n            N\u00e3o medir rejei\u00e7\u00f5es\n          <\/td>\n\n          <td class=\"tu-sro-execution-risks-table__why\" data-label=\"Por que acontece\">\n            O indicador acompanhado \u00e9 \u201cenviamos\u201d, n\u00e3o \u201cfoi aceito\u201d.\n          <\/td>\n\n          <td class=\"tu-sro-execution-risks-table__consequence\" data-label=\"Consequ\u00eancia poss\u00edvel\">\n            Prazo vencendo em registros que voltaram e ningu\u00e9m corrigiu.\n          <\/td>\n\n          <td class=\"tu-sro-execution-risks-table__action\" data-label=\"Como reduzir o risco\">\n            Monitorar taxa de rejei\u00e7\u00e3o, motivo e tempo m\u00e9dio entre rejei\u00e7\u00e3o e reenvio.\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td class=\"tu-sro-execution-risks-table__risk\" data-label=\"Erro ou risco de execu\u00e7\u00e3o\">\n            Cobrir apenas o canal principal de emiss\u00e3o\n          <\/td>\n\n          <td class=\"tu-sro-execution-risks-table__why\" data-label=\"Por que acontece\">\n            O canal com maior volume concentra a aten\u00e7\u00e3o do projeto.\n          <\/td>\n\n          <td class=\"tu-sro-execution-risks-table__consequence\" data-label=\"Consequ\u00eancia poss\u00edvel\">\n            Canais e parceiros menores ficam fora do registro at\u00e9 serem notados.\n          <\/td>\n\n          <td class=\"tu-sro-execution-risks-table__action\" data-label=\"Como reduzir o risco\">\n            Inventariar todos os pontos de emiss\u00e3o antes de definir escopo do fluxo.\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td class=\"tu-sro-execution-risks-table__risk\" data-label=\"Erro ou risco de execu\u00e7\u00e3o\">\n            Deixar a homologa\u00e7\u00e3o para o fim do prazo\n          <\/td>\n\n          <td class=\"tu-sro-execution-risks-table__why\" data-label=\"Por que acontece\">\n            Ambiente de teste \u00e9 visto como formalidade.\n          <\/td>\n\n          <td class=\"tu-sro-execution-risks-table__consequence\" data-label=\"Consequ\u00eancia poss\u00edvel\">\n            Problemas de mapeamento aparecem sem tempo h\u00e1bil de corre\u00e7\u00e3o.\n          <\/td>\n\n          <td class=\"tu-sro-execution-risks-table__action\" data-label=\"Como reduzir o risco\">\n            Usar a janela de homologa\u00e7\u00e3o para provar casos reais, incluindo endosso, cancelamento e sinistro.\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td class=\"tu-sro-execution-risks-table__risk\" data-label=\"Erro ou risco de execu\u00e7\u00e3o\">\n            Concentrar o conhecimento em uma pessoa\n          <\/td>\n\n          <td class=\"tu-sro-execution-risks-table__why\" data-label=\"Por que acontece\">\n            Quem construiu a integra\u00e7\u00e3o \u00e9 quem entende o leiaute.\n          <\/td>\n\n          <td class=\"tu-sro-execution-risks-table__consequence\" data-label=\"Consequ\u00eancia poss\u00edvel\">\n            Resposta lenta quando o leiaute muda ou a pessoa n\u00e3o est\u00e1 dispon\u00edvel.\n          <\/td>\n\n          <td class=\"tu-sro-execution-risks-table__action\" data-label=\"Como reduzir o risco\">\n            Documentar mapeamento campo a campo e regras de neg\u00f3cio aplicadas na tradu\u00e7\u00e3o.\n          <\/td>\n        <\/tr>\n\n      <\/tbody>\n\n    <\/table>\n\n  <\/div>\n\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Compara\u00e7\u00e3o com alternativas<\/h2>\n\n\n\n<style>\n  .tu-sro-alternatives-table,\n  .tu-sro-alternatives-table * {\n    box-sizing: border-box;\n  }\n\n  .tu-sro-alternatives-table {\n    --tu-red: #DD4E4B;\n    --tu-black: #000000;\n    --tu-white: #FFFFFF;\n    --tu-soft: #FFF7F7;\n    --tu-line: #E7E7E7;\n    --tu-text: #2F2F2F;\n    --tu-text-soft: #555555;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n  }\n\n  .tu-sro-alternatives-table__container {\n    width: 100%;\n    max-width: 100%;\n    overflow: hidden;\n\n    background: var(--tu-white);\n    border: 1px solid #D9D9D9;\n    border-radius: 4px 16px 16px 16px;\n  }\n\n  .tu-sro-alternatives-table table {\n    width: 100% !important;\n    max-width: 100% !important;\n    margin: 0 !important;\n\n    border-collapse: separate;\n    border-spacing: 0;\n    table-layout: fixed;\n  }\n\n  .tu-sro-alternatives-table th,\n  .tu-sro-alternatives-table td {\n    padding: 13px 11px;\n\n    vertical-align: top;\n    text-align: left;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  \/* CABE\u00c7ALHO *\/\n\n  .tu-sro-alternatives-table thead th {\n    background: var(--tu-red);\n    color: var(--tu-black);\n\n    border-right: 1px solid rgba(0, 0, 0, 0.14);\n\n    font-size: 11.8px;\n    font-weight: 700;\n    line-height: 1.4;\n  }\n\n  .tu-sro-alternatives-table thead th:last-child {\n    border-right: 0;\n  }\n\n  \/* CORPO *\/\n\n  .tu-sro-alternatives-table tbody td {\n    background: var(--tu-white);\n\n    border-right: 1px solid var(--tu-line);\n    border-bottom: 1px solid var(--tu-line);\n\n    color: var(--tu-text);\n\n    font-size: 12.35px;\n    font-weight: 400;\n    line-height: 1.5;\n  }\n\n  .tu-sro-alternatives-table tbody tr:nth-child(even) td {\n    background: var(--tu-soft);\n  }\n\n  .tu-sro-alternatives-table tbody td:last-child {\n    border-right: 0;\n  }\n\n  .tu-sro-alternatives-table tbody tr:last-child td {\n    border-bottom: 0;\n  }\n\n  \/* COLUNAS *\/\n\n  .tu-sro-alternatives-table__alternative {\n    position: relative;\n\n    width: 22%;\n    padding-left: 17px !important;\n\n    color: var(--tu-black) !important;\n    font-weight: 700 !important;\n  }\n\n  .tu-sro-alternatives-table__alternative::before {\n    content: \"\";\n\n    position: absolute;\n    top: 0;\n    bottom: 0;\n    left: 0;\n\n    width: 4px;\n\n    background: var(--tu-red);\n  }\n\n  .tu-sro-alternatives-table__when {\n    width: 20%;\n  }\n\n  .tu-sro-alternatives-table__limitation {\n    width: 19%;\n    color: var(--tu-text-soft) !important;\n  }\n\n  .tu-sro-alternatives-table__impact {\n    width: 19%;\n  }\n\n  .tu-sro-alternatives-table__criteria {\n    width: 20%;\n  }\n\n  \/* TABLET *\/\n\n  @media (max-width: 1050px) and (min-width: 681px) {\n    .tu-sro-alternatives-table th,\n    .tu-sro-alternatives-table td {\n      padding: 10px 8px;\n    }\n\n    .tu-sro-alternatives-table thead th {\n      font-size: 10.3px;\n    }\n\n    .tu-sro-alternatives-table tbody td {\n      font-size: 11.25px;\n    }\n\n    .tu-sro-alternatives-table__alternative {\n      padding-left: 13px !important;\n    }\n  }\n\n  \/* MOBILE *\/\n\n  @media (max-width: 680px) {\n    .tu-sro-alternatives-table {\n      margin: 20px 0;\n    }\n\n    .tu-sro-alternatives-table__container {\n      overflow: visible;\n\n      background: transparent;\n      border: 0;\n      border-radius: 0;\n    }\n\n    .tu-sro-alternatives-table table,\n    .tu-sro-alternatives-table tbody,\n    .tu-sro-alternatives-table tr,\n    .tu-sro-alternatives-table td {\n      display: block;\n\n      width: 100% !important;\n      max-width: 100% !important;\n    }\n\n    .tu-sro-alternatives-table thead {\n      position: absolute;\n\n      width: 1px;\n      height: 1px;\n\n      margin: -1px;\n      padding: 0;\n\n      overflow: hidden;\n\n      clip: rect(0, 0, 0, 0);\n      white-space: nowrap;\n\n      border: 0;\n    }\n\n    .tu-sro-alternatives-table tbody {\n      display: grid;\n      gap: 12px;\n    }\n\n    .tu-sro-alternatives-table tbody tr {\n      overflow: hidden;\n\n      background: var(--tu-white);\n\n      border: 1px solid #DCDCDC;\n      border-radius: 4px 13px 13px 13px;\n    }\n\n    .tu-sro-alternatives-table tbody td,\n    .tu-sro-alternatives-table tbody tr:nth-child(even) td {\n      width: 100% !important;\n\n      padding: 12px 14px;\n\n      background: var(--tu-white);\n\n      border-right: 0;\n      border-bottom: 1px solid var(--tu-line);\n\n      font-size: 13px;\n      line-height: 1.52;\n    }\n\n    .tu-sro-alternatives-table tbody td:last-child {\n      border-bottom: 0;\n    }\n\n    .tu-sro-alternatives-table tbody td::before {\n      display: block;\n\n      margin-bottom: 4px;\n\n      color: #6B6B6B;\n\n      font-size: 10px;\n      font-weight: 700;\n      line-height: 1.2;\n      letter-spacing: .04em;\n      text-transform: uppercase;\n\n      content: attr(data-label);\n    }\n\n    .tu-sro-alternatives-table tbody\n    .tu-sro-alternatives-table__alternative {\n      padding: 12px 14px !important;\n\n      background: var(--tu-red) !important;\n\n      border-bottom: 1px solid rgba(0, 0, 0, .15);\n\n      color: var(--tu-black) !important;\n\n      font-size: 14px;\n    }\n\n    .tu-sro-alternatives-table tbody\n    .tu-sro-alternatives-table__alternative::before {\n      content: none;\n    }\n  }\n<\/style>\n\n<div class=\"tu-sro-alternatives-table\">\n\n  <div class=\"tu-sro-alternatives-table__container\">\n\n    <table>\n\n      <thead>\n        <tr>\n          <th scope=\"col\">Alternativa<\/th>\n          <th scope=\"col\">Quando pode funcionar<\/th>\n          <th scope=\"col\">Limita\u00e7\u00e3o principal<\/th>\n          <th scope=\"col\">Impacto poss\u00edvel<\/th>\n          <th scope=\"col\">Crit\u00e9rio para avan\u00e7ar<\/th>\n        <\/tr>\n      <\/thead>\n\n      <tbody>\n\n        <tr>\n          <td class=\"tu-sro-alternatives-table__alternative\" data-label=\"Alternativa\">\n            Extra\u00e7\u00e3o manual + envio pela interface da registradora\n          <\/td>\n\n          <td class=\"tu-sro-alternatives-table__when\" data-label=\"Quando pode funcionar\">\n            Volume baixo, poucos produtos, carteira est\u00e1vel.\n          <\/td>\n\n          <td class=\"tu-sro-alternatives-table__limitation\" data-label=\"Limita\u00e7\u00e3o principal\">\n            N\u00e3o escala e depende de disponibilidade de pessoas espec\u00edficas.\n          <\/td>\n\n          <td class=\"tu-sro-alternatives-table__impact\" data-label=\"Impacto poss\u00edvel\">\n            Atraso em prazos individuais quando o volume oscila.\n          <\/td>\n\n          <td class=\"tu-sro-alternatives-table__criteria\" data-label=\"Crit\u00e9rio para avan\u00e7ar\">\n            Volume de emiss\u00e3o ou n\u00famero de canais j\u00e1 n\u00e3o cabe em rotina manual.\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td class=\"tu-sro-alternatives-table__alternative\" data-label=\"Alternativa\">\n            Rotina pr\u00f3pria constru\u00edda sobre o core system\n          <\/td>\n\n          <td class=\"tu-sro-alternatives-table__when\" data-label=\"Quando pode funcionar\">\n            Equipe interna com dom\u00ednio do legado e capacidade de manuten\u00e7\u00e3o cont\u00ednua.\n          <\/td>\n\n          <td class=\"tu-sro-alternatives-table__limitation\" data-label=\"Limita\u00e7\u00e3o principal\">\n            Exige refazer mapeamento a cada vers\u00e3o de leiaute.\n          <\/td>\n\n          <td class=\"tu-sro-alternatives-table__impact\" data-label=\"Impacto poss\u00edvel\">\n            Depend\u00eancia de poucas pessoas e retrabalho a cada atualiza\u00e7\u00e3o.\n          <\/td>\n\n          <td class=\"tu-sro-alternatives-table__criteria\" data-label=\"Crit\u00e9rio para avan\u00e7ar\">\n            H\u00e1 time dedicado com previs\u00e3o de manuten\u00e7\u00e3o, n\u00e3o s\u00f3 de entrega.\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td class=\"tu-sro-alternatives-table__alternative\" data-label=\"Alternativa\">\n            Camada de integra\u00e7\u00e3o dedicada, com o core como fonte \u00fanica\n          <\/td>\n\n          <td class=\"tu-sro-alternatives-table__when\" data-label=\"Quando pode funcionar\">\n            M\u00faltiplos sistemas de origem, canais e produtos diversos.\n          <\/td>\n\n          <td class=\"tu-sro-alternatives-table__limitation\" data-label=\"Limita\u00e7\u00e3o principal\">\n            Exige governan\u00e7a de dados e padr\u00e3o de integra\u00e7\u00e3o definidos.\n          <\/td>\n\n          <td class=\"tu-sro-alternatives-table__impact\" data-label=\"Impacto poss\u00edvel\">\n            Reduz retrabalho por vers\u00e3o, mas n\u00e3o resolve dado ausente na origem.\n          <\/td>\n\n          <td class=\"tu-sro-alternatives-table__criteria\" data-label=\"Crit\u00e9rio para avan\u00e7ar\">\n            Origem dos campos est\u00e1 mapeada e a diverg\u00eancia entre sistemas \u00e9 conhecida.\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td class=\"tu-sro-alternatives-table__alternative\" data-label=\"Alternativa\">\n            Solu\u00e7\u00e3o ou servi\u00e7o de terceiro para o envio\n          <\/td>\n\n          <td class=\"tu-sro-alternatives-table__when\" data-label=\"Quando pode funcionar\">\n            Necessidade de atender a um prazo pr\u00f3ximo com capacidade interna limitada.\n          <\/td>\n\n          <td class=\"tu-sro-alternatives-table__limitation\" data-label=\"Limita\u00e7\u00e3o principal\">\n            Responsabilidade regulat\u00f3ria permanece da supervisionada.\n          <\/td>\n\n          <td class=\"tu-sro-alternatives-table__impact\" data-label=\"Impacto poss\u00edvel\">\n            Risco de caixa-preta: dif\u00edcil explicar um n\u00famero sem apoio do fornecedor.\n          <\/td>\n\n          <td class=\"tu-sro-alternatives-table__criteria\" data-label=\"Crit\u00e9rio para avan\u00e7ar\">\n            Contrato prev\u00ea rastreabilidade, prazo de adequa\u00e7\u00e3o a novas vers\u00f5es e acesso aos logs.\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td class=\"tu-sro-alternatives-table__alternative\" data-label=\"Alternativa\">\n            Manter o cen\u00e1rio atual e reavaliar depois do pr\u00f3ximo marco\n          <\/td>\n\n          <td class=\"tu-sro-alternatives-table__when\" data-label=\"Quando pode funcionar\">\n            A opera\u00e7\u00e3o j\u00e1 passou pela V3 sem rejei\u00e7\u00e3o relevante e n\u00e3o tem produtos no pr\u00f3ximo escopo.\n          <\/td>\n\n          <td class=\"tu-sro-alternatives-table__limitation\" data-label=\"Limita\u00e7\u00e3o principal\">\n            Adia a discuss\u00e3o, sem resolv\u00ea-la.\n          <\/td>\n\n          <td class=\"tu-sro-alternatives-table__impact\" data-label=\"Impacto poss\u00edvel\">\n            Custo concentrado na pr\u00f3xima mudan\u00e7a de leiaute.\n          <\/td>\n\n          <td class=\"tu-sro-alternatives-table__criteria\" data-label=\"Crit\u00e9rio para avan\u00e7ar\">\n            Dados de rejei\u00e7\u00e3o e de prazo confirmam que o processo atual se sustenta.\n          <\/td>\n        <\/tr>\n\n      <\/tbody>\n\n    <\/table>\n\n  <\/div>\n\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Nenhuma dessas op\u00e7\u00f5es \u00e9 universalmente correta. Uma seguradora com carteira concentrada em danos, volume est\u00e1vel e processo j\u00e1 testado na V3 pode legitimamente decidir n\u00e3o reestruturar nada agora. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A resposta muda quando entram produtos do escopo de dezembro, quando o n\u00famero de canais cresce ou quando ningu\u00e9m consegue dizer qual foi a taxa de rejei\u00e7\u00e3o do m\u00eas passado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Se a leitura da tabela apontou para a terceira ou a quarta linha \u2014 camada de integra\u00e7\u00e3o dedicada ou apoio externo \u2014, o passo anterior \u00e0 escolha \u00e9 entender quanto da emiss\u00e3o, da ap\u00f3lice e do sinistro j\u00e1 vive em um mesmo lugar. <\/p>\n\n\n\n<style>\n  .tu-insurance-management-solutions-cta,\n  .tu-insurance-management-solutions-cta * {\n    box-sizing: border-box;\n  }\n\n  .tu-insurance-management-solutions-cta {\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    gap: 24px;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n    padding: 22px 24px;\n\n    background: #FFFFFF;\n    border: 2px solid #DD4E4B;\n    border-radius: 4px 17px 17px 17px;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n  }\n\n  .tu-insurance-management-solutions-cta__content {\n    display: flex;\n    align-items: flex-start;\n    gap: 14px;\n\n    min-width: 0;\n  }\n\n  .tu-insurance-management-solutions-cta__marker {\n    display: flex;\n    align-items: center;\n    justify-content: center;\n\n    flex: 0 0 36px;\n    width: 36px;\n    height: 36px;\n\n    background: #DD4E4B;\n    border-radius: 50%;\n\n    color: #FFFFFF;\n    font-size: 15px;\n    font-weight: 700;\n    line-height: 1;\n  }\n\n  .tu-insurance-management-solutions-cta__text {\n    min-width: 0;\n  }\n\n  .tu-insurance-management-solutions-cta__text strong {\n    display: block;\n    margin: 0 0 6px;\n\n    color: #000000;\n    font-size: 15px;\n    font-weight: 700;\n    line-height: 1.45;\n\n    word-break: normal;\n    overflow-wrap: normal;\n    hyphens: none;\n  }\n\n  .tu-insurance-management-solutions-cta__text p {\n    margin: 0 !important;\n    padding: 0 !important;\n\n    max-width: 780px;\n\n    color: #404040 !important;\n    font-size: 13.5px;\n    font-weight: 400;\n    line-height: 1.6;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  .tu-insurance-management-solutions-cta__button {\n    display: inline-flex;\n    align-items: center;\n    justify-content: center;\n    gap: 8px;\n\n    flex: 0 0 auto;\n\n    min-height: 42px;\n    padding: 10px 17px;\n\n    background: #DD4E4B;\n    border: 1px solid #DD4E4B;\n    border-radius: 8px;\n\n    color: #FFFFFF !important;\n    text-decoration: none !important;\n\n    font-size: 12.75px;\n    font-weight: 700;\n    line-height: 1.2;\n\n    transition:\n      background-color .2s ease,\n      border-color .2s ease,\n      color .2s ease,\n      transform .2s ease;\n  }\n\n  .tu-insurance-management-solutions-cta__button::after {\n    content: \"\u2192\";\n    font-size: 15px;\n    line-height: 1;\n  }\n\n  .tu-insurance-management-solutions-cta__button:hover,\n  .tu-insurance-management-solutions-cta__button:focus {\n    background: #000000;\n    border-color: #000000;\n\n    color: #FFFFFF !important;\n    text-decoration: none !important;\n  }\n\n  .tu-insurance-management-solutions-cta__button:focus-visible {\n    outline: 2px solid #000000;\n    outline-offset: 3px;\n  }\n\n  @media (hover: hover) and (pointer: fine) {\n    .tu-insurance-management-solutions-cta__button:hover {\n      transform: translateY(-1px);\n    }\n  }\n\n  @media (max-width: 680px) {\n    .tu-insurance-management-solutions-cta {\n      flex-direction: column;\n      align-items: flex-start;\n      gap: 16px;\n\n      margin: 20px 0;\n      padding: 19px 18px;\n\n      border-radius: 4px 15px 15px 15px;\n    }\n\n    .tu-insurance-management-solutions-cta__content {\n      gap: 12px;\n    }\n\n    .tu-insurance-management-solutions-cta__marker {\n      flex-basis: 32px;\n      width: 32px;\n      height: 32px;\n\n      font-size: 14px;\n    }\n\n    .tu-insurance-management-solutions-cta__text strong {\n      font-size: 14.5px;\n    }\n\n    .tu-insurance-management-solutions-cta__text p {\n      font-size: 13px;\n    }\n\n    .tu-insurance-management-solutions-cta__button {\n      width: 100%;\n      min-height: 40px;\n      padding: 9px 15px;\n\n      font-size: 12.5px;\n    }\n  }\n<\/style>\n\n<div class=\"tu-insurance-management-solutions-cta\">\n\n  <div class=\"tu-insurance-management-solutions-cta__content\">\n\n    <div\n      class=\"tu-insurance-management-solutions-cta__marker\"\n      aria-hidden=\"true\"\n    >\n      \u2192\n    <\/div>\n\n    <div class=\"tu-insurance-management-solutions-cta__text\">\n\n      <strong>\n        Vale confrontar o cen\u00e1rio atual com uma estrutura mais integrada.\n      <\/strong>\n\n      <p>\n        Compare como a opera\u00e7\u00e3o hoje trata cota\u00e7\u00e3o, gest\u00e3o de ap\u00f3lices,\n        resseguro e integra\u00e7\u00e3o entre corretoras e seguradoras com uma\n        abordagem concentrada de gest\u00e3o de seguros.\n      <\/p>\n\n    <\/div>\n\n  <\/div>\n\n  <a\n    class=\"tu-insurance-management-solutions-cta__button\"\n    href=\"https:\/\/tecnologiaunica.com.br\/gestao-de-seguros\/\"\n    aria-label=\"Conhe\u00e7a as solu\u00e7\u00f5es de gest\u00e3o de seguros da Tecnologia \u00danica\"\n  >\n    Conhecer gest\u00e3o de seguros\n  <\/a>\n\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Crit\u00e9rios de decis\u00e3o<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Antes de escolher entre ajustar o que existe, reestruturar o fluxo ou buscar apoio externo, vale responder a cinco perguntas com evid\u00eancia, n\u00e3o com impress\u00e3o:<\/p>\n\n\n\n<style>\n  .tu-sro-readiness-diagnostic,\n  .tu-sro-readiness-diagnostic * {\n    box-sizing: border-box;\n  }\n\n  .tu-sro-readiness-diagnostic {\n    --tu-red: #DD4E4B;\n    --tu-black: #000000;\n    --tu-white: #FFFFFF;\n    --tu-soft: #FFF7F7;\n    --tu-text: #3D3D3D;\n    --tu-line: #E7E7E7;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n  }\n\n  .tu-sro-readiness-diagnostic__stack {\n    display: flex;\n    flex-direction: column;\n    gap: 9px;\n\n    width: 100%;\n  }\n\n  .tu-sro-readiness-diagnostic__item {\n    display: grid;\n    grid-template-columns: 36px minmax(0, 150px) minmax(0, 1fr);\n    align-items: start;\n    gap: 12px;\n\n    width: 100%;\n    min-width: 0;\n    padding: 15px 17px;\n\n    background: var(--tu-white);\n    border: 1px solid var(--tu-line);\n    border-left: 4px solid var(--tu-red);\n    border-radius: 4px 12px 12px 12px;\n  }\n\n  .tu-sro-readiness-diagnostic__item:nth-child(even) {\n    background: var(--tu-soft);\n  }\n\n  .tu-sro-readiness-diagnostic__number {\n    display: flex;\n    align-items: center;\n    justify-content: center;\n\n    width: 29px;\n    height: 29px;\n\n    background: var(--tu-red);\n    border-radius: 50%;\n\n    color: var(--tu-white);\n    font-size: 9px;\n    font-weight: 700;\n    line-height: 1;\n  }\n\n  .tu-sro-readiness-diagnostic__label {\n    margin-top: 3px;\n\n    color: var(--tu-black);\n    font-size: 13.5px;\n    font-weight: 700;\n    line-height: 1.42;\n  }\n\n  .tu-sro-readiness-diagnostic__question {\n    margin: 2px 0 0 !important;\n    padding: 0 !important;\n\n    color: var(--tu-text) !important;\n    font-size: 12.85px;\n    font-weight: 400;\n    line-height: 1.58;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  \/* FECHAMENTO *\/\n\n  .tu-sro-readiness-diagnostic__conclusion {\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    gap: 22px;\n\n    margin-top: 15px;\n    padding: 20px 22px;\n\n    background: var(--tu-black);\n    border: 2px solid var(--tu-red);\n    border-radius: 4px 16px 16px 16px;\n  }\n\n  .tu-sro-readiness-diagnostic__conclusion-content {\n    display: flex;\n    align-items: flex-start;\n    gap: 13px;\n\n    min-width: 0;\n  }\n\n  .tu-sro-readiness-diagnostic__conclusion-marker {\n    display: flex;\n    align-items: center;\n    justify-content: center;\n\n    flex: 0 0 34px;\n    width: 34px;\n    height: 34px;\n\n    background: var(--tu-red);\n    border-radius: 50%;\n\n    color: var(--tu-white);\n    font-size: 15px;\n    font-weight: 700;\n    line-height: 1;\n  }\n\n  .tu-sro-readiness-diagnostic__conclusion-text {\n    min-width: 0;\n  }\n\n  .tu-sro-readiness-diagnostic__conclusion-text strong {\n    display: block;\n    margin: 0 0 6px;\n\n    color: var(--tu-white);\n    font-size: 14.5px;\n    font-weight: 700;\n    line-height: 1.48;\n  }\n\n  .tu-sro-readiness-diagnostic__conclusion-text p {\n    margin: 0 !important;\n    padding: 0 !important;\n\n    max-width: 760px;\n\n    color: #E8E8E8 !important;\n    font-size: 13px;\n    font-weight: 400;\n    line-height: 1.58;\n  }\n\n  .tu-sro-readiness-diagnostic__button {\n    display: inline-flex;\n    align-items: center;\n    justify-content: center;\n    gap: 8px;\n\n    flex: 0 0 auto;\n\n    min-height: 40px;\n    padding: 9px 16px;\n\n    background: var(--tu-red);\n    border: 1px solid var(--tu-red);\n    border-radius: 8px;\n\n    color: var(--tu-white) !important;\n    text-decoration: none !important;\n\n    font-size: 12.4px;\n    font-weight: 700;\n    line-height: 1.2;\n\n    transition:\n      background-color .2s ease,\n      border-color .2s ease,\n      color .2s ease;\n  }\n\n  .tu-sro-readiness-diagnostic__button::after {\n    content: \"\u2192\";\n    font-size: 15px;\n  }\n\n  .tu-sro-readiness-diagnostic__button:hover,\n  .tu-sro-readiness-diagnostic__button:focus {\n    background: var(--tu-white);\n    border-color: var(--tu-white);\n\n    color: var(--tu-black) !important;\n  }\n\n  \/* RESPONSIVO *\/\n\n  @media (max-width: 760px) {\n    .tu-sro-readiness-diagnostic__item {\n      grid-template-columns: 34px minmax(0, 1fr);\n      gap: 6px 9px;\n\n      padding: 14px 13px;\n    }\n\n    .tu-sro-readiness-diagnostic__question {\n      grid-column: 2;\n    }\n\n    .tu-sro-readiness-diagnostic__conclusion {\n      flex-direction: column;\n      align-items: flex-start;\n    }\n\n    .tu-sro-readiness-diagnostic__button {\n      width: 100%;\n    }\n  }\n\n  @media (max-width: 620px) {\n    .tu-sro-readiness-diagnostic {\n      margin: 20px 0;\n    }\n\n    .tu-sro-readiness-diagnostic__number {\n      width: 27px;\n      height: 27px;\n    }\n\n    .tu-sro-readiness-diagnostic__label {\n      font-size: 13.2px;\n    }\n\n    .tu-sro-readiness-diagnostic__question {\n      font-size: 12.55px;\n    }\n\n    .tu-sro-readiness-diagnostic__conclusion {\n      padding: 18px 16px;\n\n      border-radius: 4px 14px 14px 14px;\n    }\n  }\n<\/style>\n\n<div class=\"tu-sro-readiness-diagnostic\">\n\n  <div class=\"tu-sro-readiness-diagnostic__stack\">\n\n    <div class=\"tu-sro-readiness-diagnostic__item\">\n      <span class=\"tu-sro-readiness-diagnostic__number\">01<\/span>\n      <span class=\"tu-sro-readiness-diagnostic__label\">Escopo<\/span>\n      <p class=\"tu-sro-readiness-diagnostic__question\">\n        Quais das opera\u00e7\u00f5es da carteira est\u00e3o abrangidas pelas Circulares n\u00ba 711,\n        713, 714 e 715 \u2014 e, portanto, pelo marco de dezembro de 2026?\n      <\/p>\n    <\/div>\n\n    <div class=\"tu-sro-readiness-diagnostic__item\">\n      <span class=\"tu-sro-readiness-diagnostic__number\">02<\/span>\n      <span class=\"tu-sro-readiness-diagnostic__label\">Origem<\/span>\n      <p class=\"tu-sro-readiness-diagnostic__question\">\n        Para cada campo obrigat\u00f3rio do leiaute, \u00e9 poss\u00edvel apontar o sistema e\n        a tabela de onde ele sai? Quantos ainda dependem de preenchimento humano?\n      <\/p>\n    <\/div>\n\n    <div class=\"tu-sro-readiness-diagnostic__item\">\n      <span class=\"tu-sro-readiness-diagnostic__number\">03<\/span>\n      <span class=\"tu-sro-readiness-diagnostic__label\">Prazo<\/span>\n      <p class=\"tu-sro-readiness-diagnostic__question\">\n        Qual \u00e9 hoje o tempo m\u00e9dio entre a emiss\u00e3o e o registro aceito \u2014 e qual\n        \u00e9 o pior caso do \u00faltimo trimestre?\n      <\/p>\n    <\/div>\n\n    <div class=\"tu-sro-readiness-diagnostic__item\">\n      <span class=\"tu-sro-readiness-diagnostic__number\">04<\/span>\n      <span class=\"tu-sro-readiness-diagnostic__label\">Rejei\u00e7\u00e3o<\/span>\n      <p class=\"tu-sro-readiness-diagnostic__question\">\n        Existe indicador de rejei\u00e7\u00e3o por motivo? Quem \u00e9 respons\u00e1vel pela corre\u00e7\u00e3o\n        e qual \u00e9 o tempo m\u00e9dio at\u00e9 o reenvio?\n      <\/p>\n    <\/div>\n\n    <div class=\"tu-sro-readiness-diagnostic__item\">\n      <span class=\"tu-sro-readiness-diagnostic__number\">05<\/span>\n      <span class=\"tu-sro-readiness-diagnostic__label\">Manuten\u00e7\u00e3o<\/span>\n      <p class=\"tu-sro-readiness-diagnostic__question\">\n        Se a Susep publicar uma nova vers\u00e3o de leiaute no pr\u00f3ximo trimestre,\n        quantas pessoas e quantas semanas isso consome \u2014 e esse esfor\u00e7o j\u00e1 est\u00e1\n        previsto na capacidade da equipe?\n      <\/p>\n    <\/div>\n\n  <\/div>\n\n\n  <div class=\"tu-sro-readiness-diagnostic__conclusion\">\n\n    <div class=\"tu-sro-readiness-diagnostic__conclusion-content\">\n\n      <span\n        class=\"tu-sro-readiness-diagnostic__conclusion-marker\"\n        aria-hidden=\"true\"\n      >\n        !\n      <\/span>\n\n      <div class=\"tu-sro-readiness-diagnostic__conclusion-text\">\n\n        <strong>\n          Se tr\u00eas ou mais dessas perguntas n\u00e3o t\u00eam resposta objetiva, o primeiro problema n\u00e3o \u00e9 escolher fornecedor.\n        <\/strong>\n\n        <p>\n          Antes de contratar qualquer coisa, vale obter visibilidade sobre o fluxo\n          atual e mapear onde os dados de emiss\u00e3o e sinistro se perdem entre sistemas.\n        <\/p>\n\n      <\/div>\n\n    <\/div>\n\n    <a\n      class=\"tu-sro-readiness-diagnostic__button\"\n      href=\"https:\/\/tecnologiaunica.com.br\/blog\/api-management-para-seguradoras\/\"\n      aria-label=\"Veja como mapear onde os dados de emiss\u00e3o e sinistro se perdem entre sistemas\"\n    >\n      Mapear integra\u00e7\u00f5es cr\u00edticas\n    <\/a>\n\n  <\/div>\n\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Como estruturar o pr\u00f3ximo passo<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Um caminho de baixa fric\u00e7\u00e3o, execut\u00e1vel em semanas e n\u00e3o em trimestres:<\/p>\n\n\n\n<style>\n  .tu-sro-howto-flow,\n  .tu-sro-howto-flow * {\n    box-sizing: border-box;\n  }\n\n  .tu-sro-howto-flow {\n    --tu-red: #DD4E4B;\n    --tu-black: #000000;\n    --tu-white: #FFFFFF;\n    --tu-soft: #FFF7F7;\n    --tu-line: #E6E6E6;\n    --tu-text: #383838;\n\n    position: relative;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n  }\n\n  .tu-sro-howto-flow__list {\n    position: relative;\n\n    display: flex;\n    flex-direction: column;\n    gap: 10px;\n\n    width: 100%;\n  }\n\n  \/* LINHA DO FLUXO *\/\n\n  .tu-sro-howto-flow__list::before {\n    content: \"\";\n\n    position: absolute;\n    top: 23px;\n    bottom: 23px;\n    left: 19px;\n\n    width: 2px;\n\n    background: var(--tu-red);\n  }\n\n  \/* ETAPA *\/\n\n  .tu-sro-howto-flow__step {\n    position: relative;\n    z-index: 1;\n\n    display: grid;\n    grid-template-columns: 40px minmax(0, 210px) minmax(0, 1fr);\n    align-items: start;\n    gap: 12px;\n\n    width: 100%;\n    min-width: 0;\n    padding: 14px 16px 14px 0;\n\n    background: var(--tu-white);\n    border: 1px solid var(--tu-line);\n    border-radius: 4px 13px 13px 13px;\n  }\n\n  .tu-sro-howto-flow__step:nth-child(even) {\n    background: var(--tu-soft);\n  }\n\n  .tu-sro-howto-flow__step--final {\n    background: var(--tu-red) !important;\n    border-color: var(--tu-black);\n  }\n\n  \/* N\u00daMERO *\/\n\n  .tu-sro-howto-flow__number {\n    display: flex;\n    align-items: center;\n    justify-content: center;\n\n    width: 38px;\n    height: 38px;\n    margin-left: 0;\n\n    background: var(--tu-red);\n    border: 4px solid var(--tu-white);\n    border-radius: 50%;\n\n    color: var(--tu-white);\n    font-size: 10px;\n    font-weight: 700;\n    line-height: 1;\n  }\n\n  .tu-sro-howto-flow__step:nth-child(even)\n  .tu-sro-howto-flow__number {\n    border-color: var(--tu-soft);\n  }\n\n  .tu-sro-howto-flow__step--final\n  .tu-sro-howto-flow__number {\n    background: var(--tu-white);\n    border-color: var(--tu-red);\n\n    color: var(--tu-red);\n  }\n\n  \/* T\u00cdTULO *\/\n\n  .tu-sro-howto-flow__title {\n    margin: 8px 0 0 !important;\n    padding: 0 !important;\n\n    color: var(--tu-black);\n    font-size: 13.8px;\n    font-weight: 700;\n    line-height: 1.42;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  .tu-sro-howto-flow__step--final\n  .tu-sro-howto-flow__title {\n    color: var(--tu-white);\n  }\n\n  \/* TEXTO *\/\n\n  .tu-sro-howto-flow__description {\n    margin: 7px 0 0 !important;\n    padding: 0 !important;\n\n    color: var(--tu-text) !important;\n    font-size: 12.85px;\n    font-weight: 400;\n    line-height: 1.58;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  .tu-sro-howto-flow__step--final\n  .tu-sro-howto-flow__description {\n    color: var(--tu-white) !important;\n  }\n\n  \/* RESPONSIVO *\/\n\n  @media (max-width: 760px) {\n    .tu-sro-howto-flow__step {\n      grid-template-columns: 40px minmax(0, 1fr);\n      gap: 4px 10px;\n\n      padding: 13px 14px 13px 0;\n    }\n\n    .tu-sro-howto-flow__title {\n      margin-top: 8px !important;\n    }\n\n    .tu-sro-howto-flow__description {\n      grid-column: 2;\n\n      margin-top: 2px !important;\n    }\n  }\n\n  @media (max-width: 620px) {\n    .tu-sro-howto-flow {\n      margin: 20px 0;\n    }\n\n    .tu-sro-howto-flow__list {\n      gap: 8px;\n    }\n\n    .tu-sro-howto-flow__list::before {\n      left: 17px;\n    }\n\n    .tu-sro-howto-flow__step {\n      grid-template-columns: 36px minmax(0, 1fr);\n\n      border-radius: 4px 12px 12px 12px;\n    }\n\n    .tu-sro-howto-flow__number {\n      width: 34px;\n      height: 34px;\n\n      font-size: 9px;\n    }\n\n    .tu-sro-howto-flow__title {\n      margin-top: 6px !important;\n\n      font-size: 13.4px;\n    }\n\n    .tu-sro-howto-flow__description {\n      font-size: 12.55px;\n    }\n  }\n<\/style>\n\n<div class=\"tu-sro-howto-flow\">\n\n  <div class=\"tu-sro-howto-flow__list\">\n\n\n    <!-- 01 -->\n\n    <div class=\"tu-sro-howto-flow__step\">\n\n      <span\n        class=\"tu-sro-howto-flow__number\"\n        aria-hidden=\"true\"\n      >\n        01\n      <\/span>\n\n      <p class=\"tu-sro-howto-flow__title\">\n        Inventariar os pontos de emiss\u00e3o\n      <\/p>\n\n      <p class=\"tu-sro-howto-flow__description\">\n        Liste todos os canais, produtos e sistemas que geram documentos sujeitos\n        a registro, incluindo parceiros e ap\u00f3lices coletivas.\n      <\/p>\n\n    <\/div>\n\n\n    <!-- 02 -->\n\n    <div class=\"tu-sro-howto-flow__step\">\n\n      <span\n        class=\"tu-sro-howto-flow__number\"\n        aria-hidden=\"true\"\n      >\n        02\n      <\/span>\n\n      <p class=\"tu-sro-howto-flow__title\">\n        Mapear campo a campo\n      <\/p>\n\n      <p class=\"tu-sro-howto-flow__description\">\n        Compare o leiaute vigente com as fontes internas e marque explicitamente\n        os campos que ainda n\u00e3o possuem origem estruturada.\n      <\/p>\n\n    <\/div>\n\n\n    <!-- 03 -->\n\n    <div class=\"tu-sro-howto-flow__step\">\n\n      <span\n        class=\"tu-sro-howto-flow__number\"\n        aria-hidden=\"true\"\n      >\n        03\n      <\/span>\n\n      <p class=\"tu-sro-howto-flow__title\">\n        Medir o fluxo atual\n      <\/p>\n\n      <p class=\"tu-sro-howto-flow__description\">\n        Levante o volume enviado, aceito e rejeitado no \u00faltimo trimestre, os motivos\n        de rejei\u00e7\u00e3o e o tempo entre rejei\u00e7\u00e3o e reenvio.\n      <\/p>\n\n    <\/div>\n\n\n    <!-- 04 -->\n\n    <div class=\"tu-sro-howto-flow__step\">\n\n      <span\n        class=\"tu-sro-howto-flow__number\"\n        aria-hidden=\"true\"\n      >\n        04\n      <\/span>\n\n      <p class=\"tu-sro-howto-flow__title\">\n        Testar casos dif\u00edceis na homologa\u00e7\u00e3o\n      <\/p>\n\n      <p class=\"tu-sro-howto-flow__description\">\n        Valide endosso, cancelamento, cosseguro e sinistro reaberto \u2014 e n\u00e3o apenas\n        a emiss\u00e3o simples.\n      <\/p>\n\n    <\/div>\n\n\n    <!-- 05 -->\n\n    <div class=\"tu-sro-howto-flow__step\">\n\n      <span\n        class=\"tu-sro-howto-flow__number\"\n        aria-hidden=\"true\"\n      >\n        05\n      <\/span>\n\n      <p class=\"tu-sro-howto-flow__title\">\n        Definir o dono do fluxo\n      <\/p>\n\n      <p class=\"tu-sro-howto-flow__description\">\n        Estabele\u00e7a a rotina de revis\u00e3o a cada publica\u00e7\u00e3o de leiaute, com respons\u00e1vel\n        nomeado e capacidade prevista para a manuten\u00e7\u00e3o.\n      <\/p>\n\n    <\/div>\n\n\n    <!-- 06 -->\n\n    <div class=\"tu-sro-howto-flow__step tu-sro-howto-flow__step--final\">\n\n      <span\n        class=\"tu-sro-howto-flow__number\"\n        aria-hidden=\"true\"\n      >\n        06\n      <\/span>\n\n      <p class=\"tu-sro-howto-flow__title\">\n        Registrar as decis\u00f5es de tradu\u00e7\u00e3o\n      <\/p>\n\n      <p class=\"tu-sro-howto-flow__description\">\n        Documente as regras aplicadas entre o dado interno e o campo do leiaute\n        para que a opera\u00e7\u00e3o consiga explicar qualquer n\u00famero enviado.\n      <\/p>\n\n    <\/div>\n\n\n  <\/div>\n\n<\/div>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"HowTo\",\n  \"name\": \"Como estruturar o fluxo de adequa\u00e7\u00e3o ao registro de opera\u00e7\u00f5es\",\n  \"step\": [\n    {\n      \"@type\": \"HowToStep\",\n      \"position\": 1,\n      \"name\": \"Inventariar os pontos de emiss\u00e3o\",\n      \"text\": \"Liste todos os canais, produtos e sistemas que geram documentos sujeitos a registro, incluindo parceiros e ap\u00f3lices coletivas.\"\n    },\n    {\n      \"@type\": \"HowToStep\",\n      \"position\": 2,\n      \"name\": \"Mapear campo a campo\",\n      \"text\": \"Compare o leiaute vigente com as fontes internas e marque explicitamente os campos que ainda n\u00e3o possuem origem estruturada.\"\n    },\n    {\n      \"@type\": \"HowToStep\",\n      \"position\": 3,\n      \"name\": \"Medir o fluxo atual\",\n      \"text\": \"Levante o volume enviado, aceito e rejeitado no \u00faltimo trimestre, os motivos de rejei\u00e7\u00e3o e o tempo entre rejei\u00e7\u00e3o e reenvio.\"\n    },\n    {\n      \"@type\": \"HowToStep\",\n      \"position\": 4,\n      \"name\": \"Testar casos dif\u00edceis na homologa\u00e7\u00e3o\",\n      \"text\": \"Valide endosso, cancelamento, cosseguro e sinistro reaberto, e n\u00e3o apenas a emiss\u00e3o simples.\"\n    },\n    {\n      \"@type\": \"HowToStep\",\n      \"position\": 5,\n      \"name\": \"Definir o dono do fluxo\",\n      \"text\": \"Estabele\u00e7a a rotina de revis\u00e3o a cada publica\u00e7\u00e3o de leiaute, com respons\u00e1vel nomeado e capacidade prevista para a manuten\u00e7\u00e3o.\"\n    },\n    {\n      \"@type\": \"HowToStep\",\n      \"position\": 6,\n      \"name\": \"Registrar as decis\u00f5es de tradu\u00e7\u00e3o\",\n      \"text\": \"Documente as regras aplicadas entre o dado interno e o campo do leiaute para que a opera\u00e7\u00e3o consiga explicar qualquer n\u00famero enviado.\"\n    }\n  ]\n}\n<\/script>\n\n\n\n<h2 class=\"wp-block-heading\">Conclus\u00e3o<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">O SRO Susep deixou de ser uma pauta de adequa\u00e7\u00e3o pontual e se consolidou como um fluxo permanente de dados entre a opera\u00e7\u00e3o da seguradora e o supervisor. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quem atravessou a virada da V3 em mar\u00e7o de 2026 sem sobressalto provavelmente j\u00e1 tinha origem de dados mapeada e tratamento de rejei\u00e7\u00e3o estruturado. Quem atravessou com esfor\u00e7o concentrado tende a repetir esse esfor\u00e7o no marco de dezembro \u2014 e no seguinte.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A decis\u00e3o relevante, portanto, n\u00e3o \u00e9 \"como enviar\", mas <strong>em que condi\u00e7\u00f5es a opera\u00e7\u00e3o consegue sustentar o envio quando o leiaute mudar de novo<\/strong>. Isso depende de dado estruturado na origem, de cobertura uniforme entre canais e de visibilidade sobre o que foi rejeitado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A Tecnologia \u00danica atua no mercado segurador com plataformas de cota\u00e7\u00e3o, gest\u00e3o de ap\u00f3lices, resseguro e integra\u00e7\u00e3o entre corretoras e seguradoras, al\u00e9m de squads t\u00e9cnicos alocados em opera\u00e7\u00f5es com sistemas legados e integra\u00e7\u00f5es complexas \u2014 o tipo de contexto em que o esfor\u00e7o do SRO costuma se concentrar. <\/p>\n\n\n\n<style>\n  .tu-sro-mapping-cta,\n  .tu-sro-mapping-cta * {\n    box-sizing: border-box;\n  }\n\n  .tu-sro-mapping-cta {\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    gap: 22px;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n    padding: 22px 24px;\n\n    background: #DD4E4B;\n    border: 2px solid #000000;\n    border-radius: 4px 17px 17px 17px;\n\n    font-family: \"DM 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font-size: 12.5px;\n    }\n  }\n<\/style>\n\n<div class=\"tu-sro-mapping-cta\">\n\n  <div class=\"tu-sro-mapping-cta__content\">\n\n    <div\n      class=\"tu-sro-mapping-cta__marker\"\n      aria-hidden=\"true\"\n    >\n      \u2192\n    <\/div>\n\n    <div class=\"tu-sro-mapping-cta__text\">\n\n      <strong>\n        J\u00e1 identificou onde o fluxo ainda depende de trabalho manual?\n      <\/strong>\n\n      <p>\n        Se a equipe quer estruturar a origem dos dados e o tratamento de rejei\u00e7\u00f5es\n        antes de 1\u00ba de dezembro, o pr\u00f3ximo passo \u00e9 mapear o cen\u00e1rio atual:\n        sistemas envolvidos, pontos de interven\u00e7\u00e3o humana, exce\u00e7\u00f5es e gargalos.\n        A conversa come\u00e7a pelo que existe hoje \u2014 n\u00e3o por uma proposta de sistema.\n      <\/p>\n\n    <\/div>\n\n  <\/div>\n\n  <a\n    class=\"tu-sro-mapping-cta__button\"\n    href=\"https:\/\/tecnologiaunica.com.br\/contato\/?utm_source=blog&amp;utm_medium=artigo\"\n    aria-label=\"Converse com um especialista da Tecnologia \u00danica sobre o cen\u00e1rio atual da sua opera\u00e7\u00e3o\"\n  >\n    Mapear meu cen\u00e1rio atual\n  <\/a>\n\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Perguntas frequentes (FAQ)<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1789389486526\"><strong class=\"schema-faq-question\">Quais s\u00e3o os prazos de registro no SRO Susep?<\/strong> <p class=\"schema-faq-answer\">Nos seguros de danos e de pessoas em reparti\u00e7\u00e3o simples, a Circular Susep n\u00ba 710\/2024 estabelece at\u00e9 5 dias \u00fateis para ap\u00f3lices, certificados e endossos (contados da emiss\u00e3o), para bilhetes emitidos por intermedi\u00e1rios (contados da internaliza\u00e7\u00e3o do registro) e para bloqueios e gravames (contados do conhecimento do fato); e at\u00e9 30 dias corridos para endossos de averba\u00e7\u00e3o em seguros de transportes, pr\u00eamios de ajuste e informa\u00e7\u00f5es sobre sinistros. A contagem \u00e9 individual, por documento \u2014 n\u00e3o por lote mensal.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1789389501386\"><strong class=\"schema-faq-question\">O SRO substitui os envios peri\u00f3dicos \u00e0 Susep?<\/strong> <p class=\"schema-faq-answer\">N\u00e3o. O SRO \u00e9 uma estrutura de registro granular das opera\u00e7\u00f5es, com prazos individuais por documento, e convive com as demais obriga\u00e7\u00f5es de presta\u00e7\u00e3o de informa\u00e7\u00f5es previstas na regulamenta\u00e7\u00e3o. Confirme o conjunto de obriga\u00e7\u00f5es aplic\u00e1vel ao seu tipo de supervisionada antes de desativar qualquer rotina existente.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1789389523861\"><strong class=\"schema-faq-question\">Quem escolhe a entidade registradora? <\/strong> <p class=\"schema-faq-answer\">A supervisionada. As registradoras precisam ser credenciadas pela Susep e ter seus sistemas homologados; atualmente constam quatro na p\u00e1gina oficial. A escolha envolve crit\u00e9rios de integra\u00e7\u00e3o, suporte, prazo de adequa\u00e7\u00e3o a novas vers\u00f5es de leiaute e acesso a relat\u00f3rios de registro.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1789389527252\"><strong class=\"schema-faq-question\">Contratar um fornecedor para o envio transfere a responsabilidade regulat\u00f3ria?<\/strong> <p class=\"schema-faq-answer\">N\u00e3o. A obriga\u00e7\u00e3o de registrar permanece da supervisionada. Um contrato pode distribuir execu\u00e7\u00e3o e SLA, mas n\u00e3o desloca a responsabilidade perante a Susep \u2014 motivo pelo qual rastreabilidade e acesso aos logs costumam ser cl\u00e1usulas relevantes.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1789389545466\"><strong class=\"schema-faq-question\">O que acontece se um registro for enviado fora do prazo?<\/strong> <p class=\"schema-faq-answer\">O descumprimento de prazo \u00e9 uma quest\u00e3o de supervis\u00e3o, avaliada pela Susep conforme a regulamenta\u00e7\u00e3o aplic\u00e1vel. Mais do que a penalidade isolada, o efeito pr\u00e1tico costuma ser a exposi\u00e7\u00e3o de uma fragilidade de processo: atraso recorrente indica aus\u00eancia de controle sobre rejei\u00e7\u00e3o e reenvio.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1789389561098\"><strong class=\"schema-faq-question\">Uma seguradora pequena precisa de uma estrutura de integra\u00e7\u00e3o dedicada?<\/strong> <p class=\"schema-faq-answer\">N\u00e3o necessariamente. Volume baixo, produto \u00fanico e carteira est\u00e1vel podem ser atendidos por rotina mais simples. O crit\u00e9rio n\u00e3o \u00e9 o porte, e sim a combina\u00e7\u00e3o entre n\u00famero de canais de emiss\u00e3o, diversidade de produtos no escopo e capacidade interna de manter o fluxo quando o leiaute mudar.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1789389568892\"><strong class=\"schema-faq-question\">O leiaute do SRO Susep ainda vai mudar? <\/strong> <p class=\"schema-faq-answer\">O leiaute do SRO Susep ainda vai mudar? O hist\u00f3rico recente indica revis\u00f5es frequentes: V3 em produ\u00e7\u00e3o em mar\u00e7o de 2026, v3.1.0 publicado em mar\u00e7o, atualiza\u00e7\u00f5es sucessivas ao longo do ano na linha de produ\u00e7\u00e3o (at\u00e9 v3.0.4) e na de homologa\u00e7\u00e3o (at\u00e9 v3.1.0-rc.4). Planejar como se a vers\u00e3o atual fosse definitiva tende a produzir retrabalho.<\/p> <\/div> <\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Refer\u00eancias externas<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">[1] <a href=\"https:\/\/www.gov.br\/susep\/pt-br\/assuntos\/sistema-de-registro-de-operacoes\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Susep. Sistema de Registro de Opera\u00e7\u00f5es (SRO)<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">[2] <a href=\"https:\/\/www.gov.br\/susep\/pt-br\/assuntos\/sistema-de-registro-de-operacoes\/regulamentacao\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Susep. Regulamenta\u00e7\u00e3o do SRO (Resolu\u00e7\u00e3o CNSP n\u00ba 383\/2020; Circulares Susep n\u00ba 599\/2020, 619\/2020 e 710 a 715\/2024; of\u00edcios circulares eletr\u00f4nicos de 2026).<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">[3] <a href=\"https:\/\/www.gov.br\/susep\/pt-br\/arquivos\/arquivos-sro\/normativos\/circular-susep-no-710-de-24-de-dezembro-de-2024.pdf\/@@display-file\/file\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Susep. Circular Susep n\u00ba 710, de 24 de dezembro de 2024<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">[4] <a href=\"https:\/\/www.gov.br\/susep\/pt-br\/assuntos\/sistema-de-registro-de-operacoes\/registradoras\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Susep. Entidades registradoras credenciadas.<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">[5] <a href=\"https:\/\/www.gov.br\/susep\/pt-br\/central-de-conteudos\/noticias\/2025\/fevereiro\/susep-divulga-novo-leiaute-de-dados-para-o-sistema-de-registro-de-operacoes\">Susep. Susep divulga novo leiaute de dados para o Sistema de Registro de Opera\u00e7\u00f5es.<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">[6] <a href=\"https:\/\/www.gov.br\/susep\/pt-br\/central-de-conteudos\/noticias\/2026\/marco\/susep-implementa-nova-versao-do-sistema-de-registro-de-operacoes-sro\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Susep. Susep implementa nova vers\u00e3o do Sistema de Registro de Opera\u00e7\u00f5es (SRO).<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">[7] <a href=\"https:\/\/www.gov.br\/susep\/pt-br\/arquivos\/arquivos-sro\/normativos\/sei_2668145_oficio_circular___eletronico_3.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Susep. Of\u00edcio Circular Eletr\u00f4nico n\u00ba 3\/2026\/DISUC\/SUSEP.<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">[8] <a href=\"https:\/\/www.gov.br\/susep\/pt-br\/assuntos\/sistema-de-registro-de-operacoes\/conteudo-informacional\/oficio-circular-eletronico-no-7-2026-disuc-susep-2707799-publicacao-leiaute-v3-1-0.pdf\/@@display-file\/file\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Susep. Of\u00edcio Circular Eletr\u00f4nico n\u00ba 7\/2026\/DISUC\/SUSEP \u2014 publica\u00e7\u00e3o do leiaute v3.1.0.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>O SRO Susep \u00e9 o sistema pelo qual seguradoras e EAPCs registram opera\u00e7\u00f5es em registradoras credenciadas, com prazos por documento \u2014 5 dias \u00fateis para ap\u00f3lices e endossos, 30 dias para sinistros. Veja o que mudou na V3 e como avaliar a prontid\u00e3o da opera\u00e7\u00e3o antes de 1\u00ba de dezembro de 2026. <\/p>","protected":false},"author":10,"featured_media":6256,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6255","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-imprensa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>SRO Susep: o que \u00e9, prazos e o que mudou<\/title>\n<meta name=\"description\" content=\"SRO Susep: o que \u00e9, prazos de registro, o que mudou na V3 e como avaliar se a opera\u00e7\u00e3o est\u00e1 pronta para o marco de dezembro de 2026.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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Um contrato pode distribuir execu\u00e7\u00e3o e SLA, mas n\u00e3o desloca a responsabilidade perante a Susep \u2014 motivo pelo qual rastreabilidade e acesso aos logs costumam ser cl\u00e1usulas relevantes.","inLanguage":"it-IT"},"inLanguage":"it-IT"},{"@type":"Question","@id":"https:\/\/tecnologiaunica.com.br\/blog\/sro-susep\/#faq-question-1789389545466","position":5,"url":"https:\/\/tecnologiaunica.com.br\/blog\/sro-susep\/#faq-question-1789389545466","name":"O que acontece se um registro for enviado fora do prazo?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"O descumprimento de prazo \u00e9 uma quest\u00e3o de supervis\u00e3o, avaliada pela Susep conforme a regulamenta\u00e7\u00e3o aplic\u00e1vel. Mais do que a penalidade isolada, o efeito pr\u00e1tico costuma ser a exposi\u00e7\u00e3o de uma fragilidade de processo: atraso recorrente indica aus\u00eancia de controle sobre rejei\u00e7\u00e3o e reenvio.","inLanguage":"it-IT"},"inLanguage":"it-IT"},{"@type":"Question","@id":"https:\/\/tecnologiaunica.com.br\/blog\/sro-susep\/#faq-question-1789389561098","position":6,"url":"https:\/\/tecnologiaunica.com.br\/blog\/sro-susep\/#faq-question-1789389561098","name":"Uma seguradora pequena precisa de uma estrutura de integra\u00e7\u00e3o dedicada?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"N\u00e3o necessariamente. Volume baixo, produto \u00fanico e carteira est\u00e1vel podem ser atendidos por rotina mais simples. O crit\u00e9rio n\u00e3o \u00e9 o porte, e sim a combina\u00e7\u00e3o entre n\u00famero de canais de emiss\u00e3o, diversidade de produtos no escopo e capacidade interna de manter o fluxo quando o leiaute mudar.","inLanguage":"it-IT"},"inLanguage":"it-IT"},{"@type":"Question","@id":"https:\/\/tecnologiaunica.com.br\/blog\/sro-susep\/#faq-question-1789389568892","position":7,"url":"https:\/\/tecnologiaunica.com.br\/blog\/sro-susep\/#faq-question-1789389568892","name":"O leiaute do SRO Susep ainda vai mudar?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"O leiaute do SRO Susep ainda vai mudar? O hist\u00f3rico recente indica revis\u00f5es frequentes: V3 em produ\u00e7\u00e3o em mar\u00e7o de 2026, v3.1.0 publicado em mar\u00e7o, atualiza\u00e7\u00f5es sucessivas ao longo do ano na linha de produ\u00e7\u00e3o (at\u00e9 v3.0.4) e na de homologa\u00e7\u00e3o (at\u00e9 v3.1.0-rc.4). Planejar como se a vers\u00e3o atual fosse definitiva tende a produzir retrabalho.","inLanguage":"it-IT"},"inLanguage":"it-IT"}]}},"_links":{"self":[{"href":"https:\/\/tecnologiaunica.com.br\/it\/wp-json\/wp\/v2\/posts\/6255","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tecnologiaunica.com.br\/it\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tecnologiaunica.com.br\/it\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tecnologiaunica.com.br\/it\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/tecnologiaunica.com.br\/it\/wp-json\/wp\/v2\/comments?post=6255"}],"version-history":[{"count":1,"href":"https:\/\/tecnologiaunica.com.br\/it\/wp-json\/wp\/v2\/posts\/6255\/revisions"}],"predecessor-version":[{"id":6257,"href":"https:\/\/tecnologiaunica.com.br\/it\/wp-json\/wp\/v2\/posts\/6255\/revisions\/6257"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tecnologiaunica.com.br\/it\/wp-json\/wp\/v2\/media\/6256"}],"wp:attachment":[{"href":"https:\/\/tecnologiaunica.com.br\/it\/wp-json\/wp\/v2\/media?parent=6255"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tecnologiaunica.com.br\/it\/wp-json\/wp\/v2\/categories?post=6255"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tecnologiaunica.com.br\/it\/wp-json\/wp\/v2\/tags?post=6255"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}