Navro and MM Partner to Tackle International Pensions Overpayments

Navro, the pioneering fintech that simplifies international payments for businesses, has signed an exclusive partnership with MM, a market leader in providing domestic and international proof-of-life and existence verification for pension schemes and administrators. 

The partnership – a first of its kind – will help pension schemes prevent overpayments to deceased members and strengthen trustees’ fiduciary controls through a closed-loop verification and payments process.

With more than 1 million UK pension scheme members living abroad — a figure growing by approximately 2% per year — schemes face increasing challenges in confirming that overseas members are alive and resident where records suggest. Government figures estimate that £511 million of overpayments are tied to undetected deaths in pension schemes, a risk that is particularly acute for trustees of defined contribution schemes with clear fiduciary duties.

By combining Navro’s global pension payments infrastructure with MM’s fully managed proof-of-life service, schemes can now validate that an overseas member is alive and correctly identified before a payment is made — and then execute that payment accurately, on time, and via the appropriate local rails. 

MM’s Overseas Proof of Life service includes fully managed member engagement through digital and hard-copy communications, biometric identity verification incorporating selfie and ID document capture, and support for more than 230 international official document types. 

The service also provides certificates of existence, single or bulk checking for large scheme populations, scheme-branded communications, and comprehensive reporting and management information for trustees and administrators.

For Navro’s pension customers, the partnership will minimise the likelihood of overpayments, provide a stronger fiduciary defence for trustees, and a clearer audit trail. 

Combined management information from MM and Navro will help schemes to evidence who was checked, when, with what outcome was, and when payments were made. Members will then follow a structured proof-of-life journey — with postal and alternative options where required — before receiving payments through Navro’s established global payments network.

Aran Brown, CEO of Navro, said: “Trustees are under increasing pressure to demonstrate that they are taking reasonable, proactive steps to protect members’ money. Paying deceased members, especially overseas, is no longer regarded as an unfortunate inevitability; it is viewed as a preventable failure. 

“By partnering exclusively with MM, we are providing our pension customers with a clear, defensible framework that links robust proof-of-life verification directly to our global payments infrastructure. The benefits extend beyond the schemes themselves. By eliminating the need for repayments during challenging life events, we remove the stress and upheaval for individuals when they are at their most vulnerable. 

Sam Drye, Managing Director at MM, said: “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 — and that trustees have the documentation and evidence required to stand behind those payments.”