Τίτλος παρουσίασης: “What it takes to win a running battle to fight fraud?” Speakers: Thanos Papanikolaou, Principal, Deloitte, Thomas Brinkmann, Country Manager Greece & Cyprus, Friss

1. What it
takes to win
a running
battle to
fight fraud?
Thanos Papanikolaou
Deloitte, Principal
Thomas Brinkmann
FRISS, Country Manager

2. Deloitte Hadjipavlou Sofianos & Cambanis S.A. 2
What it takes to win a running battle to fight fraud?
Industry & Fraud Expertise
In order to effectively utilize
data and technology a
multidisciplinary set of
professionals is required. Deep
industry and market knowledge
must be supplemented with
strong fraud and analytical
skills.
Data
It is all about having the
internal and external
data available at the
right time and at the
right quality.
Processes
In order to be effective in
combating fraud on a day-to-
day basis and avoid wasting
resources without the expected
ROI, a robust set of processes
must govern the insurer’s
actions against fraudsters.
Technology
Availability of specialized
technology, taking advantage
of advanced analytics
capabilities and going beyond
traditional data querying, is a
necessity not a luxury for
today’s insurers.

3. Deloitte Hadjipavlou Sofianos & Cambanis S.A. 3
The Fraud Triangle
Incentive /
Pressure
Rationalization
/ Attitude
Opportunity
Circumstances may exist that
create opportunities for clients
to commit fraud.
When such opportunities arise,
those who might not otherwise
be inclined to behave
dishonestly may be tempted to
do so.
Employees or clients may find
themselves offered incentives or
placed under pressure to
commit fraud.
Some individuals are more
prone than others to commit
fraud.
Other things being equal, the
propensity to commit fraud
depends on people’s ethical
values as well as on their
personal circumstances.
Fraud RiskFraud Risk

4. Deloitte Hadjipavlou Sofianos & Cambanis S.A. 4
 Do you know somebody who
cheated his/ her insurance
company? 27%
 What percentage of the
public believes that it is
acceptable to commit fraud?
 5%
 10%
 15%
 25%
 50%
 What percentage of the public
believes that they would not get
caught if they filed a fraudulent
claim?
 5%
 10%
 25%
 50%

5. Deloitte Hadjipavlou Sofianos & Cambanis S.A. 5
This is Joseph, the “fix it “ guy

6. Deloitte Hadjipavlou Sofianos & Cambanis S.A. 6
Malta is a holiday destination

7. Deloitte Hadjipavlou Sofianos & Cambanis S.A. 7
The bar of Joseph and his friendsA fraud scheme was born

8. Deloitte Hadjipavlou Sofianos & Cambanis S.A. 8

9. Deloitte Hadjipavlou Sofianos & Cambanis S.A. 9
22 persons had been involved in a
massive insurance fraud case

10. Deloitte Hadjipavlou Sofianos & Cambanis S.A. 10
Are you the next to be on the news?
«Έστησαν οικογενειακή απάτη σε
βάρος ασφαλιστικής εταιρίας με
δήθεν κλοπή αυτοκινήτου»
asfalisinet.gr
April 2015
«Απάτη εκατοντάδων χιλιάδων
με εικονικά ατυχήματα και
εμπλοκή αστυνομικών»
tothemaonline.com
January 2016 «Πλαστά ασφαλιστήρια
αυτοκινήτου. Συλλήψεις
δραστών
Η Κίνα –χώρα προέλευσης, η
Ευρώπη –ο τελικός
προορισμός»
sofokleousin.gr
April 2016
«Πνίγουν την ασφαλιστική
απάτη σε υποθαλάσσιο
«νεκροταφείο» αυτοκινήτων»
asfalisinet.gr
June 2016
«Μεγάλη απάτη σε όλη την
Κρήτη ξεσκέπασε η Ασφάλεια
Αγίου Νικολάου»
flashnews.gr
February 2016
«Απάτη συνεργείων Ι.Χ. με
ασφαλιστικές εταιρείες»
mototriti.gr
March 2014

11. Thank you!
Meet us at the
Deloitte – FRISS
Booth

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