Insurance Fraud
Improving prevention, increasing detection and lowering the cost of fraud
25th March 2010, Le Méridien Piccadilly, London
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Print ProgrammeThursday 25 March 2010, Le Méridien Piccadilly, London
Insurance Fraud
Chairman’s opening remarks

John Bell
Head of Claims, AON
John Bell
Head of Claims, AON
Biography
John has been involved with insurance claims since 1980, in the insurance department of a global freight forwarder and then as a claims broker for Hogg Robinson. He then joined Robins, Davies and Little (Now GAB Robins) as a loss adjuster. His adjusting career involved handling losses in all classes of business and included managing a loss adjusting practice in Greece dealing with international losses.
He returned to broking with Aon in 2000 and was appointed head of claims at Aon Risk Services, Corporate in 2005. He has overseen major transformations in the claims operations to embed added client value, whilst improving technical standards.
John is ACII and FCILA qualified. He currently has responsibility for strategic claims development as well as being actively involved in major losses. His passion is excellence in client claims service delivery.
SESSION ONE: FRAUD IN THE UK: THE EVOLVING PICTURE
Examining trends in organised and opportunistic fraud

John Bell
Head of Claims, AON
John Bell
Head of Claims, AON
Biography
John has been involved with insurance claims since 1980, in the insurance department of a global freight forwarder and then as a claims broker for Hogg Robinson. He then joined Robins, Davies and Little (Now GAB Robins) as a loss adjuster. His adjusting career involved handling losses in all classes of business and included managing a loss adjusting practice in Greece dealing with international losses.
He returned to broking with Aon in 2000 and was appointed head of claims at Aon Risk Services, Corporate in 2005. He has overseen major transformations in the claims operations to embed added client value, whilst improving technical standards.
John is ACII and FCILA qualified. He currently has responsibility for strategic claims development as well as being actively involved in major losses. His passion is excellence in client claims service delivery.
Analysing the implications of the recession on fraudulent activities

Scott Clayton
Claims Fraud & Investigations Manager, Zurich Financial Services
Scott Clayton
Claims Fraud & Investigations Manager, Zurich Financial Services
Biography
Scott Clayton manages Zurich’s Claims Investigation Unit, a 30-strong team of professionals, including field and telephone investigators, intelligence team, legal adviser and support staff. This specialist Unit is dedicated to protecting both the Customers’ and the Company’s interests, using a variety of tools and techniques to ensure that all suspicious activity is properly and thoroughly investigated.
During his 23 years with Zurich, Scott has dealt with claims across all lines of business and all distribution channels and, in a previous role, headed up the Complaints Team, managing the Company's relationship with the Financial Ombudsman Service. This involved making technical decisions, ensuring compliance with regulatory rules and protecting the Company's reputation and brand. No stranger to speaking at Industry events, Scott was previously a member of the ABI Complaint Steering Group and a co-author of the ABI's Complaint Handling Guide.
These days, as Claims Fraud & Investigations Manager at Zurich, Scott is responsible for the identification and investigation of all suspect claims across the General Business in the UK. He represents Zurich on the ABI Anti Fraud Committee and is a Board Member of the Insurance Fraud Bureau.
Questions
SESSION TWO: DEVELOPING YOUR FRAUD PREVENTION STRATEGY
Panel discussion: What does the optimum fraud prevention strategy look like? details
• Understanding the scale of the challenge: overcoming problems with fraud measurement
• Organised v. opportunistic: choosing where to direct your spend
• How can return on investment for individual initiatives be measured?
• Is the industry focussing too heavily on detection and not enough on prevention?
• Assessing the risk of fraud from the 3rd party supply chain
• Examining the cost/benefit ratio: is there an acceptable level of fraud?
• Is there a focus on the organised fraud to the detriment of the fight against opportunistic fraud?
Further panellists to be confirmed

Scott Clayton
Claims Fraud & Investigations Manager, Zurich Financial Services
Scott Clayton
Claims Fraud & Investigations Manager, Zurich Financial Services
Biography
Scott Clayton manages Zurich’s Claims Investigation Unit, a 30-strong team of professionals, including field and telephone investigators, intelligence team, legal adviser and support staff. This specialist Unit is dedicated to protecting both the Customers’ and the Company’s interests, using a variety of tools and techniques to ensure that all suspicious activity is properly and thoroughly investigated.
During his 23 years with Zurich, Scott has dealt with claims across all lines of business and all distribution channels and, in a previous role, headed up the Complaints Team, managing the Company's relationship with the Financial Ombudsman Service. This involved making technical decisions, ensuring compliance with regulatory rules and protecting the Company's reputation and brand. No stranger to speaking at Industry events, Scott was previously a member of the ABI Complaint Steering Group and a co-author of the ABI's Complaint Handling Guide.
These days, as Claims Fraud & Investigations Manager at Zurich, Scott is responsible for the identification and investigation of all suspect claims across the General Business in the UK. He represents Zurich on the ABI Anti Fraud Committee and is a Board Member of the Insurance Fraud Bureau.

Vishal Marria
Head of Financial Services Propositions, Detica NetReveal
Vishal Marria
Head of Financial Services Propositions, Detica NetReveal
Biography
Vishal joined Detica in 2005 and was instrumental in developing Detica NetReveal® for insurance. He was deeply involved with the development of the Insurance Fraud Bureau (IFB) platform. He is currently engaged with a range of insurance companies in UK, US, Europe and Asia and has extensive experience in anti-fraud for banking, government and national security.

Richard Davies
Board Member, Insurance Fraud Bureau
Richard Davies
Board Member, Insurance Fraud Bureau
Biography
Richard Davies is a career commercial fraud investigator, and has experience of leading investigations in the Investments, Life, General and Healthcare insurance sectors. He is currently employed by AXA UK as its Fraud Risk Manager, working with Senior Management to identify and scale fraud risks, and to build strategic prevention and detection controls.
Richard is a member of the Association of British Insurers Anti Fraud Committee. He is a champion of collaborative approaches and was closely involved in the definition and set up of the Insurance Fraud Bureau since the concept was first proposed in 2004. He led the project’s business requirements group through proof of concept and business case development throughout 2005, and in his role as a member of the IFB board, has had responsibility for ensuring that the detection performance of the IFB is optimised.
Refreshments
SESSION THREE: COLLABORATION IN FRAUD PREVENTION: TAKING INDUSTRY INITIATIVES TO THE NEXT STAGE
Collaborating for success: harnessing the power of distributed knowledge

Steve Jackson
National Fraud Controller, Zurich Municipal
Steve Jackson
National Fraud Controller, Zurich Municipal
Biography
Steve Jackson has been employed as National Fraud Controller with Zurich Insurance since September 2004. His responsibilities include developing national fraud strategy and training to combat fraud within the public sector business and liability claims.
He formerly served as a police officer specialising in Road Accident Reconstruction and Fraud in the Road Haulage Industry. As a Special Investigator he spent more than four years investigating fraudulent claims within all lines of business; together with the investigation of suppliers and Claims Management Companies. He is currently responsible for developing solutions in relation to Fraud Risk Management and Customer training.
Steve has a passion for raising fraud awareness as a means to combat fraud within the general community and is the current Chair of the North West Fraud Forum.
The next stage of collaboration: expanding the role of the IFB

Richard Davies
Board Member, Insurance Fraud Bureau
Richard Davies
Board Member, Insurance Fraud Bureau
Biography
Richard Davies is a career commercial fraud investigator, and has experience of leading investigations in the Investments, Life, General and Healthcare insurance sectors. He is currently employed by AXA UK as its Fraud Risk Manager, working with Senior Management to identify and scale fraud risks, and to build strategic prevention and detection controls.
Richard is a member of the Association of British Insurers Anti Fraud Committee. He is a champion of collaborative approaches and was closely involved in the definition and set up of the Insurance Fraud Bureau since the concept was first proposed in 2004. He led the project’s business requirements group through proof of concept and business case development throughout 2005, and in his role as a member of the IFB board, has had responsibility for ensuring that the detection performance of the IFB is optimised.
Questions
SESSION FOUR: PREPARING THE ENTIRE ORGANISATION TO COMBAT FRAUD
Educating staff: the key to a successful fraud prevention strategy?

Julie Smith
Claims Director, Insure & Go
Julie Smith
Claims Director, Insure & Go
Biography
With many years of Travel insurance experience Julie Smith is currently Claims Director at Travel Claims Services (TCS), the claims arm of InsureandGo Ltd.
Whilst working for AON Julie saw an opportunity to provide a streamlined claims service which had efficiency and customer service at its heart. This led Julie to launch TCS in 2003
This ambition has been realised into a progressive, forward thinking company which has rapidly grown to employ over 35 members of staff and handle over 300,000 claims. This success has been driven by Julie’s unflinching attitude to work and the dedication of a team of trusted colleagues.
Questions
DEPARTMENTS IN CONVERSATION - Beyond the claims department: taking a holistic approach to fraud prevention

Stephen Barkhuizen
Financial Crime Manager, MMA Insurance
Stephen Barkhuizen
Financial Crime Manager, MMA Insurance
Biography
Steve Barkhuizen is currently the Financial Crime Manager at MMA Insurance Plc in Reading. Steve has a solid fraud and financial crime investigations background spanning over 20 years. He started his fraud investigations career in the Commercial Crimes Unit of the South African Police Service in the 1980's and was later seconded to a Special Investigating Unit (SIU) in the South African Department of Justice before joining the SIU on a full time basis as a Manager: Investigations. Steve left the SIU in 2000 to join a boutique forensic accounting firm, Gobodo Forensic & Investigative Accounting in Johannesburg, where he took up a role as a Coordinating Manager. Steve relocated to the UK in 2007 and has been responsible for automating MMA's claims fraud detection processes and for introducing data matching into MMA's fraud detection process.

Nigel Bartram
Motor Underwriting Strategy Manager, Aviva
Nigel Bartram
Motor Underwriting Strategy Manager, Aviva
Biography
I have worked for Aviva (formally Norwich Union) for over 35 years in a variety of roles connected to risk underwriting and underwriting strategy and was one of a small team that set up Norwich Union Direct in the mid nineties. Current role focuses on Underwriting Strategy, Risk Radar, Data Validation, Road Safety and providing technical support on Motor Insurance issues to Aviva press and corporate affairs teams.
Over the past few years I have been interested in raising the profile of insurance fraud and the duty we have to minimise the impact and therefore the burden on honest policyholders.
Lunch
SESSION FIVE: WORKING GROUPS - FORMING INDUSTRY SOLUTIONS
In this session delegates will choose to participate in one of four working groups, each focussing on a key industry issue. Moderated by a leading expert, delegates will discuss the steps that need to take place for the industry to overcome these challenges. Discussions will start at 14.25 and last for 30 minutes.
TABLE ONE details
The challenge of detecting and preventing fronting
• With the advent of online aggregators has fronting become too easy?
• How costly is fronting and should insurers address the issue more proactively before any claim is made?
TABLE TWO details
Working towards a single collaborative data pool
• What technical and practical barriers remain before a single data pool can become reality and how can they be addressed?
• Designing a potential timeline for a single collaborative data pool
TABLE THREE details
Benchmarking and measuring: what counts as successful?
• How can the success of an anti-fraud strategy be measured effectively?
• Comparing apples with apples? How can you compare fraud across insurers?
TABLE FOUR details
Changing the public’s perception of fraud
• How can the perception that insurance fraud is a victimless crime be challenged?
• What could a future ‘anti-fraud’ campaign look like and who should take the lead in implementing it?
SESSION SIX: OPTIMISING EFFICIENCY IN FRAUD DETECTION: MINIMISING DISRUPTION TO GENUINE CLAIMANTS
Combining technologies to produce a strong anti-fraud solution

Andrew Pagett
Fraud Controller, Fortis Insurance
Andrew Pagett
Fraud Controller, Fortis Insurance
Biography
25 years in Insurance industry
Working for:
Crusader Insurance (no longer trading)
Equity Red Star
Currently at Fortis [13-Years] (formerly Bishopsgate Insurance)
Claims background mainly MOTOR Personal Injury
Currently Fraud Controller with responsibility for fraud management across Household/Travel and Commercial Departments
Represented Fortis on/with: ABI Anti-Fraud Committee; Insurance Fraud Bureau - (Interface Manager/SPOC); Insurance Fraud Investigators Group (IFIG) - (SPOC)
Completed Diploma in Management Studies in 2008 and was accepted into the Chartered Management Institute (MCMI).
Questions
Refreshments
SESSION SEVEN: WORKING TOGETHER TO IMPROVE PROSECUTION RATES
From detection to prosecution: working with the police to secure a conviction

David Manley
Detective Inspector, City of London Police
David Manley
Detective Inspector, City of London Police
Biography
Questions
KEYNOTE CLOSING ADDRESS - Examining a future role for the ABI within a wider anti-fraud strategy

Kate Carr
Assistant Director, Markets and Regulation, Association of British Insurers
Kate Carr
Assistant Director, Markets and Regulation, Association of British Insurers
Biography
Kate was appointed to the role of Assistant Director, Markets & Regulation in September 2008 with responsibility for issues including financial inclusion, age discrimination, general insurance regulation and financial crime. The two years prior to that, she worked in the Property, Motor & Liability team on compensation issues. Before joining the ABI, she worked in the policy teams at Postwatch and Bexley Council. In her spare time, she enjoys learning languages, running and is (very) slowly writing her first novel.
Chairman’s closing remarks and close of the conference
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