MM Announces Strategic Partnership with Navro to Transform Overseas Pension Payments

Following coverage in Pensions Age announcing the partnership, Mortality Manifest (MM) is pleased to formally introduce our collaboration with Navro — a first of its kind integration of proof-of-life verification and global pension payments infrastructure.

This partnership represents a significant step forward for pension schemes managing overseas member populations, combining robust verification controls with payment execution in a single, closed-loop process.

A New Standard for Overseas Pension Payments

With over one million UK pension scheme members living abroad, trustees and administrators face a growing challenge:

How can you be certain that payments are being made to the right individual — and that they are still alive?
Historically, this has been an area of unavoidable risk. Overseas mortality detection is slower, fragmented, and often reliant on incomplete data. The result?

• Overpayments to deceased members
• Lengthy recovery processes
• Reputational and fiduciary exposure

This is exactly the problem our partnership with Navro is designed to solve.

Here’s how it works:

• Overseas Members are identified within a scheme.
• Members are contacted to complete the verification.
• All inbound member queries handled by MM to assist members to complete the process.
• MM maintains up to date progress reports to be shared with the scheme.
• On the completion of the exercise all information as to the individual's status returned to Navro.

Why This Matters for Trustees

Trustees are under increasing scrutiny to demonstrate proactive governance and control over scheme outflows.

As highlighted by Navro CEO Aran Brown:

“Paying deceased members, especially overseas, is no longer regarded as an unfortunate inevitability; it is viewed as a preventable failure.”

This shift is critical. Regulators, auditors, and members now expect:

• Strong preventative controls (not reactive recovery)
• Clear evidence of due diligence
• Robust audit trails
  
  

Designed for Scale, Simplicity, and Compliance

At MM, we’ve built our Overseas Proof of Life service to remove operational burden from schemes while maintaining the highest standards of security and compliance.

Key capabilities include:

• Fully managed member engagement (no internal resource drain)
• Single or bulk verification campaigns
• Support for global member populations
• ISO27001-aligned data handling and security processes
• Comprehensive management information for trustees and administrators

By integrating directly with Navro, we extend this capability into the payments layer — something the market has not previously offered in a unified way.

Reducing Risk — and Member Distress

This partnership is not just about protecting schemes — it’s also about protecting members and their families.

Incorrect payments to deceased members often lead to:

• Distressing recovery processes for families
• Administrative delays
• Financial uncertainty at already difficult times

By ensuring payments are only made to verified, living members, we:

• Prevent overpayments before they occur
• Remove the need for recovery
• Reduce emotional and financial strain on beneficiaries
  
  

A Joint Vision

Sam Drye, Managing Director at MM, summarises our approach:

“Our focus is to make overseas proof-of-life verification simple, secure and scalable for pension schemes. Partnering with Navro allows schemes to connect our fully managed verification journeys to a modern payments platform — ensuring that only verified, living members are paid.”

This partnership represents a step change in how pension schemes manage overseas payments — moving from reactive correction to proactive control.

Interested in learning more?

If you’d like to explore how this solution could support your scheme, we’d be happy to walk you through the process and expected outcomes.