Marketforce’s Inaugural Conference

European Insurance Fraud Summit Bringing the industry together to beat fraud 15th & 16th October 2013 Mövenpick, Amsterdam

Speakers include: Guy Stouls

Group Chief Claims Officer AXA Global

Göran Kellner

Head of Investigation If P & C Insurance, Sweden

marketforce.eu.com Ian Thompson

Chief Claims Officer, GI Europe Zurich Insurance

Leonard Brimson

EMEA Regional Head, Global Investigative Services AIG

Andrea D’Alessio

Roland B. Woerner

Dejan Jasnic

Gianluca Gramigna

Steve Jackson

Scott Clayton

Geert Delrue

Miguel Correia

Head of Anti Fraud ConTe

Director of Fraud Prevention, Detection and Investigation Office Zavarovalnica Triglav

Head of Financial Crime Covéa Insurance

Detective Commissioner Belgian Federal Criminal Police

Book before 13th September and save €200! Sponsors:

Global Head of Fraud GI Claims Zurich Insurance

Head of Fraud Sara

Claims Fraud & Investigations Manager Zurich, UK

Head of Claims and Customer Service Liberty Seguros

From the producers of the UK’s leading Insurance Fraud conference

The European Insurance Fraud Summit brings together leading experts from the insurance industry and beyond for an invaluable opportunity to develop strategies for combating fraud together.   This conference builds on the prestigious reputation of Marketforce’s UK Insurance Fraud conference, which regularly attracts over 140 key decision makers. With estimates suggesting that insurance fraud costs the European insurance industry over €8 billion each year, The European Insurance Fraud Summit will provide you with the chance to network and share best practice to detect and prevent the fraudster. Topics for discussion • Developing a cross border fraud prevention strategy • Forecasting future trends and emerging threats • Application and claims fraud • Exploring the mind of the fraudster • The role of technology, analytics and social media • Understanding the future impact of the upcoming data protection regulation



I thoroughly enjoyed the event Head of Fraud, Aviva UK

One of the most worthwhile insurance fraud events of the year Head of Investigation Services, Cunningham Lindsey

A worthwhile event for us all Chairman, IFIG

Very informative and a well managed conference

Key reasons to attend • Discuss anti-fraud strategies with representatives from over 15 European countries

Feedback from UK Insurance Fraud 2013

Head of Operational Development & Control, LV=

Useful and informative



Class Underwriter, Amlin UK

• Demonstrate your thought leadership in peer- to-peer discussion zones and panel discussions • Case studies from across Europe providing detailed insight into fraud prevention • Over 5 hours of networking opportunities with Europe’s leading insurers • Meet anti-fraud specialists from international regulators, associations and police departments

UK Insurance Fraud attendees

Forthcoming events The Motor Insurance Summit 25th September

Insurance Analytics 19th November

The Future of General Insurance 20th & 21st November

Claims

Crime & Investigating

Fraud

Underwriting

Operations & Analysis

Product & Other

Risk & Compliance

Follow @marketforceins or join in the conference buzz using #eurofraud13

BOOK ONLINE www.marketforce.eu.com/eurofraud

European Insurance Fraud Summit 15th & 16th October 2013 | Mövenpick, Amsterdam

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Day 1 - Tuesday 15th October 2013

11.00 P2P

! 09.00

Welcome address by Marketforce

09.05

Chairman’s opening remarks

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1

P2P

The boardroom’s commitment to tackling fraud

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P2P

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09.10

Keynote Opening Address

The future of a pan-European approach to fraud • The importance of driving down costs to drive expansion and growth • How great a priority is investment in fraud prevention and P2P detection for the board? • Does industry collaboration aid insurers or compromise their competitive advantage? • How can European insurers work together to prevent and detect fraud? • Should the European market set a common standard on fraud prevention? Guy Stouls, Group Chief Claims Officer, AXA Global

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? P2P

09.30

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P2P

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09.50

2 10.00

10.20

10.40

11.30

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! 12.20

Understanding fraud: today and tomorrow











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P2P

Questions



Refreshments

3 P2P 12.00

Winning boardroom support and optimising resources • What are the barriers to securing the board’s support in building a fraud response? • How can fraud teams convince the board to prioritise investment in tackling fraud? • What are the right tools for ensuring success in driving down levels of fraud? • How can fraud teams efficiently use resources to tackle low value, high volume fraud? • Where might future challenges lie in building an effective fraud response? Roland B. Woerner, Global Head of Fraud GI Claims, Zurich Insurance

Mapping the migration of fraud across borders • How are fraudsters moving across borders to commit fraud and avoid detection? • Which locations are the most vulnerable and in what direction is fraud moving? • How can claims teams harness talent and technology to track migrating fraud? Leonard Brimson, EMEA Regional Head, Global Investigative Services, AIG Advisory session

Forecasting the future fraud landscape: areas of concern • Is fraud on the rise? Or are insurers just getting better at detecting it? • Is fraud occurring mostly within motor lines or is detection lacking elsewhere? • Putting fraud on the map: where are the fraud hotspots of today and tomorrow? • Do current trends reflect a long-term pattern or a temporary response to the economy? • How might recent developments in the euro crisis affect future fraud levels and trends? • Hard fraud versus soft fraud: where might the largest commercial losses come from? Roland B. Woerner, Global Head of Fraud GI Claims, Zurich Insurance Leonard Brimson, EMEA Regional Head, Global Investigative Services, AIG Guy Stouls, Group Chief Claims Officer, AXA Group Questions will be taken throughout

Case Study

From personal injury to property: the future fraud trends • From exaggerated to bogus claims: how are fraudsters carrying out fraud in underwriting and claims? • How has fraud evolved since the growth of digital and social technology? • Opportunist versus organised: how is the demographic of the fraudster changing? • How will the Commission help to protect financial services from fraud? Speaker to be confirmed

Panel Discussion

? 12.40

Tackling claims fraud Case Study How If P & C changed public perceptions of claims fraud • A “victimless crime”? Understanding the public’s perception of fraud • The benefits of a public relations campaign in tackling fraud • Finding the appropriate tools to effectively communicate the criminality of fraud • How has a pro-active approach changed perceptions so far and what more can be done? Göran Kellner, Head of Investigation, If P & C Insurance, Sweden

Supporting insurers at the core of their business • Adapting to survive economic and regulatory pressures on European insurers’ profitability • Returning value to shareholders whilst maximising customer retention and market share • How can fraud detection technology support growth of market share and protect profit lines? • Striking the right balance: minimising fraud risk whilst keeping honest customers satisfied Steve Clark, Head of Insurance Fraud Solutions, Detica P2P NetReveal

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Case Study

Detecting and investigating fraud: the opportunities of social media • How great an opportunity for fraud prevention is the growth of social media? P2P • How reliable is online intelligence and how much can it be trusted by fraud teams? • How will the Data Protection reforms affect fraud teams’ ability to use social media data? • Ensuring that the industry’s reputation is upheld while mining data for fraud Scott Clayton, Claims Fraud & Investigations Manager, Zurich, UK

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13.00

Questions

13.10

Lunch hosted by Detica NetReveal



TELEPHONE +44 (0)20 7760 8699

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Harnessing the opportunities of black box technology

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Day 2 - Wednesday 16th October 2013

P2P

14.45

!

P2P

! ?

15.05

09.10

Case Study Measuring the success of telematics in tackling fraud • From proving liability to disproving whiplash: the opportunities for fraud detection • Has telematics discouraged organised crime rings from making third party claims? • Has the black box been successful in tackling fraud and what more can be done? • Will the crack-down on motor fraud push fraud to other lines? Speaker to be confirmed

Chairman’s opening remarks

6

The future of data sharing In 2012, the European Commission proposed a major reform to the legal framework on data protection. This session will see a timely update on how rules on the use of customer data are P2P harmonised around Europe. being

? 09.15

Advisory session

15.25

P2P

Peer to Peer Discussion

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Black box technology offers a great opportunity to detect and prove claims fraud, from organised third party motor crashes to personal injury claims. In this session, delegates will have the opportunity to discuss the future take-off of telematics and how fraud detection can be optimised using tracking devices. Delegates will divide into two zones and then feedback the P2P conclusions to the chairman.

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ZONE 1

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09.35

!

P2P

ZONE 2

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Converting driving data into useful information • How can the data collected be converted into useful information? • Who owns customer data? The customer, insurer or authorities? • How will the upcoming Data Protection Directive affect data capabilities?

09.55

7

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16.50 P2P Advisory session 17.10

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P2P

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? P2P

10.25

Case Study Innovative approaches to tackling fraud: the banking sector’s experience As insurance increasingly moves online, and the risk of fraud at the application stage increases, the industry must adapt to defend itself from this emerging trend. How has the banking sector safeguarded itself from online fraud and how can the insurance industry improve data-sharing with its peers? Geert Delrue, Detective Commissioner, Belgian Federal Criminal Police

17.25

Questions

17.30

Chairman’s closing remarks and end of day one

How UNESPA tackled fraud in Spain by establishing a shared database UNESPA have helped to tackle rising levels of fraud by establishing a database for the 240 insurers whom they represent. Hear how data-sharing is being used by Spanish insurers to tackle fraud at both application and claims stage. Miguel Vazquez, Head of Research, UNESPA

As traditional distribution models are increasingly superseded by online channels, the lack of personal contact is expected to result in more customer dishonesty at the application stage. In this session, our speakers will explore the threat of pricing manipulation and how it can best be addressed. 10.05

An update on the ‘Protocol on The Cooperation to Combat Insurance Fraud’ • How is data sharing across countries being coordinated? • How will data protection reforms affect the Protocol? • What has the Protocol achieved to date and what are its future ambitions? Speaker to be confirmed

Case Study

Forecasting the emerging risks of e-commerce

Towards an international framework for tackling fraud

16.30

The future of data sharing after the data protection reforms • How will the data protection reforms affect fraud teams’ ability to share data? • Preparing for regulatory changes: how will claims operations P2P change? • Accurately defining when there are legitimate grounds to share information on fraud • How should insurers adapt anti-fraud operations to meet the Data Protection rules? • Will harmonised data protection help to simplify international claims operations? Ian Thompson, Chief Claims Officer, GI Europe, Zurich Insurance

Questions

Refreshments

5

Keynote Opening Address

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Gauging the future impact of telematics on fraud • How far can technology go in tackling insurance fraud? • Will tracking devices become mainstream? What factors would drive customer uptake? • To what extent should fraud departments rely on tracking devices?

16.00

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P2P

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The impact of online distribution on consumer behaviour • How does operating in a faceless environment affect fraud trends? • The role of price comparison in encouraging opportunism • Is it possible to operate online without becoming more open to fraud? • The lessons learned: how can insurers encourage consumer honesty online? Speaker to be confirmed

Case Study ConTe’s move into the online market: the fraud challenges encountered Online distribution is increasingly gaining traction in Italy. Since direct insurer ConTe was established, its Rome head office has witnessed a growing number of consumers who deliberately mislead underwriters to secure cheaper policies. In this case study, ConTe’s Head of Anti Fraud will describe the fraud challenges that have arisen from entering the online space. Andrea D’Alessio, Head of Anti Fraud, ConTe

10.40

Questions

10.45

Refreshments

BOOK ONLINE www.marketforce.eu.com/eurofraud

8 11.15

? 11.35 P2P

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P2P

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Tackling application fraud Application fraud: is prevention better than cure? • Are insurers under pressure to shift their focus to applications in their fight against fraud? • Can a holistic view help address the challenge of remote online customers? • How can business analytics strengthen your application fraud process? Carol Hamilton, Director, Fraud Business Development, SAS

Panel Discussion

Questions

12.15

Lunch hosted by SAS

14.40

!

P2P

15.00

Preparing operations for fraud at application stage • How fast are different countries moving online and how should resources be targeted? • How will increased competition and the attendant customer disloyalty affect application fraud? • Tackling online application fraud: should the onus be on prevention or detection? • The role of the underwriting: how can validation techniques best be implemented? • How can underwriting and claims work together to tackle online application fraud? Steve Jackson, Head of Financial Crime, Covéa Insurance Andrea D’Alessio, Head of Anti Fraud, ConTe Carol Hamilton, Director, Fraud Business Development, SAS

12.05

10 P2P Understanding the psychology of fraud

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Case Study Tackling organised fraud in Italy In Southern Italy organised crime rings such as the Mafia are increasingly committing insurance fraud. In this case study, the Head of Fraud at Sara will reveal his experience of how crime rings organise large-scale insurance fraud. Gianluca Gramigna, Head of Fraud, Sara Chairman’s closing remarks and end of conference

Sponsors: The Detica NetReveal suite of solutions provides industry proven models for the prevention and detection of insurance fraud that work across multiple lines of business and fraud typologies. By providing a single view of customers and the networks they operate in, the solution significantly reduces claims spend and improves risk management. Honest claims can be resolved quickly and effectively, while suspicious activity is rapidly uncovered and prioritized for investigation. www.deticanetreveal.com Fiserv, Inc. (NASDAQ: FISV) is a leading global technology provider serving the financial services industry, driving innovation in payments, processing services, risk and compliance, customer and channel management, and business insights and optimisation. www.fiserv.com

Using analytics to predict, detect and investigate fraud

9 P2P

13.30

!

Case Study

Developing an effective fraud detection and investigation system • Technology versus training: how can claims teams improve detection capabilities? P2P • What steps can be taken to guarantee trustworthy outsourcing partners? • How can loss adjusters intervene earlier to detect and investigate fraud? • From Google Maps to social media: what tools can be used for data mining? • Successfully deploying analytics: how can data be converted into intelligent information? • How can fraud teams test for fraud without testing the honest customer’s patience? Dejan Jasnic, Director of Fraud Prevention, Detection and Investigation Office, Zavarovalnica Triglav

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13.50 P2P

14.10

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P2P

!

14.30

Advisory Session Senior representative, Fiserv

Case Study Overcoming the challenges of using data to prevent and detect fraud • How can analytics be used to predict and detect fraud? What is the best data to analyse? • Converting data into intelligence: how can fraud teams reach useful conclusions? • How can insurers solve the challenge of managing unstructured data effectively? • How can underwriting and claims teams share data to create a holistic approach? • Demonstrating the need for analytics to the board: what is the best approach? Miguel Correia, Head of Claims and Customer Service, Liberty Seguros Questions

FRISS is a dynamic software company specialised exclusively in fraud detection and risk mitigation for the insurance industry. Our solution improves the combined ratio of insurers by identifying high risks at quotation, underwriting and claim handling. Consequently supporting straight through processing, making risk based pricing possible and lowering reinsurance premium. This is done by the strong combination of state-of-the-art indicators, profiles, predictive models and external data sources. www.friss.eu INFORM GmbH is one of the leading companies to offer software systems for optimizing the insurance claim evaluation process. Minimizing fraud losses is achieved through our awarded fuzzy based technology, which can be adapted specifically for the insurance industry. With RiskShield we offer comprehensive investigation, response and recovery tools allowing the insurance companies to e.g. identify fraudulent claims and to optimize the process of validated claims. RiskShield decision components are used for automatic claim evaluation and fraud risk assessment to protect more than 35 insurance companies in Europe and North America. Today the company employs more than 400 professionals in its headquarters in Aachen, Germany and in its offices in UK, France and USA. www.riskshield.com SAS is the leader in business analytics software and services, and the largest independent vendor in the business intelligence market. Through innovative solutions delivered within an integrated framework, SAS helps customers at more than 50,000 sites improve performance and deliver value by making better decisions faster. SAS Fraud Framework for Insurance offers an end-toend approach to detect, prevent and manage claims fraud across your claims portfolio. www.sas.com

TELEPHONE +44 (0)20 7760 8699

European Insurance Fraud Summit 15th & 16th October 2013 | Mövenpick, Amsterdam

Code: 3222

How to Book

Simply return this form to: Marketforce Business Media Ltd | 3 Sutton Lane | London | EC1M 5PU | United Kingdom Telephone us on: +44 (0)20 7760 8699 Fax this form to: +44 (0)20 7490 2296 Book online at: www.marketforce.eu.com/eurofraud Email us on: [email protected] Prices Register on or before 13th September 2013

Register after 13th September 2013

Insurance Companies

€1,195 + VAT = €1,445.95 (£1,228.15)

€1,395 + VAT = €1,687.95 (£1,433.85)

Standard Rate

€1,495 + VAT = €1,808.95 (£1,530.65)

€1,695 + VAT = €2,050.95 (£1,736.35)

*Dutch VAT is charged at 21%

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Terms and Conditions Delegate information Registration and document distribution from 8.30am on Tuesday 15th October 2013. Event accommodation Overnight accommodation and travel costs are not included in the registration fee. For further information on discounted hotel rooms, please refer to the delegate pack which will be sent out once you have confirmed your place. Terms and conditions The fee covers attendance at all sessions and payment must be received prior to the event. The delegate rate is charged at the discretion of the conference producers.

Cancellations All cancellations must be received in writing to [email protected]. Verbal cancellations will not be accepted. Where cancellation is received in writing more than 30 days prior to the first day of the conference any fees due will be refunded in full less an administration charge of €150 + VAT/£100 + VAT. Where cancellations are submitted within 30 days of the first day of the conference, the registration fee remains payable in its entirety. Substitutions are acceptable at any time. Data Protection Marketforce Business Media Ltd gathers and processes data in accordance with the Data Protection Act 1998. The information contained about you on this form may be used for future updates about our products and services. Occasionally, we may make your details available to carefully selected external companies for marketing purposes. If you wish your details to be amended, removed or not passed on to external organisations, please write to the Database Administrator at the address on the registration form. Following your update or removal request, you may receive additional pieces of communication whilst the changes are effected.­­­