Data sharing for Fraud Prevention in Medical Insurance

Size: px
Start display at page:

Download "Data sharing for Fraud Prevention in Medical Insurance"

Transcription

1 Data sharing for Fraud Prevention in Medical Insurance Nick Mothershaw, Director Identity and Fraud Experian Limited All rights reserved. Experian and the marks used herein are service marks or registered trademarks of Experian Limited. Other product and company names mentioned herein may be the trademarks of their respective owners. No part of this copyrighted work may be reproduced, modified, or distributed in any form or manner without the prior written permission of Experian Limited.

2 Types of suspicious / fraudulent activity in the private medical sector Fraud-related losses cost the UK private medical insurance industry an estimated m per annum HICFG Fraudulent activity includes Patients failing to declare pre- existing conditions and claiming for them sometimes days after taking out a policy, or trying to disguise some treatments which are not covered in policies as other qualifying care Brokers understating the risk of corporate customers to win their account, resulting in the insurers grossly under pricing their policies Health practitioners up coding or billing for procedures more complex and costly than the one they actually carried out, or over-treatment where doctors charge for treatments that were not medically necessary Healthcare fraud can be undertaken by Customers / patients Brokers Health Practitioners 2

3 Evolution of Data Sharing Fraud Prevention Intelligence Sharing Known Fraud Sharing Hundreds Thousands Reactive Collaboration Next stage needs Volume Capability Shared platform Data Matching Rules Scoring Network Analysis Historical Policy, Claim and Provider Data Millions Proactive Detection Workflow Case Management Governance Compliance 3

4 Fraud Prevention - Inconsistent Information Same person, Same treatment, Different provider Same contact phone, different person / provider and address New Claim, matched to very recently underwritten policy (last 14 days) Same address, different person / provider and address 4

5 Fraud Prevention - Repeated Information Same provider, same person, within 1 month Same person and address, > 1 recent claim 5

6 Fraud Prevention through Controlled Data Sharing Insurer A Matching Rules 2010 Experian Limited. All rights reserved. Person ID Number Product Type Last Name First Name Income Liabilities Date of Birth Occupation Address (lines) Postal Code Employer Employer Address Phone Number Fax Number Mobile Phone Number Bank Account Number Credit Card Number Only records involved in rules are shared Address Terms of Product Notes on Case Insurer B Only data agreed to be shared is disclosed 6

7 Fraud Prevention through Controlled Data Sharing Insurer A Insurer B Matching Rules Lorem Ipsum Sharing as a result of a match is usually reciprocal 2010 Experian Limited. All rights reserved. 7

8 Experian s role Experian s data sharing initiatives have resulted in fraud savings of approximately 2.59 billion last year alone, supporting a range of industry sectors - 72m 205m 173m 28m 2,100m Asset Finance Credit Cards Personal Loans General Insurance Mortgages 8

9 Progress towards a trial Explore Evolution of Fraud Prevention BUPA International Expacare Experian London Risk HICFG Establish an Industry Steering Group Axa PPP Aviva Stakeholder engagement and compliance Key stakeholders including Information Commissioners Office ABI FSA Led by BUPA International / London Risk Define and agree the scope of the data pilot Project Plan Terms of reference Data agreements Data formats Pilot in progress 9

10 What data are we including in the trial INTERNATIONAL CLAIMS and POLICIES related to those claims Claim Parties: Claimant: Name, Address, DOB Provider: Name, (Address) Policy: Policyholder: Name, Address, DOB NOT Treatment data Approved by the Information Commissioner 10

11 What we will do in the trial Collate and standardise the data from the four participating insurers Process data against Experian data sets, intra-company data, cross company data and HICFG data Score the referrals to obtain prioritised list for review Analyse initial results with a view to further refining the matching or scoring routines Generate an outline business case for the four participating insurers as well as a generic business case for other interested parties 11

12 Data Sharing Pilot summary.. (Once all consents & approvals granted) 1. Data Contribution Policy Application data & Claims Application data From an agreed RETROSPECTIVE period To enable subsequent account behaviour to be observed Defined in ToR document Secure data transfer 2. Data Pilot run Matches / Referrals generated & returned per Contributor 3. Analysis & evaluation of results Investigate performance of referred cases per Contributor 4. Feedback on a 1:1 and at Group level Overall anonymised results can be discussed by agreement at group level Generally acceptable fraud detection stats & estimates Basis for RoI calculations 12

13 Fraud Types and Example Matching Rules Patients failing to declare pre-existing conditions and claiming for them sometimes days after taking out a policy, or trying to disguise some treatments which are not covered in policies as other qualifying care Claims within 14 days of Policy Inception from Same Person and Address Same Person and Address as Previous Claim (different providers) Same Person and Telephone as Previous Claim (different providers) Brokers understating the risk of corporate customers to win their account, resulting in the insurers grossly under pricing their policies Multiple Policies for Same Company across different PMI Providers Same Broker Details as Previous Fraud Same Patient Name and Address Different Employer (different providers) Health practitioners up coding or billing for procedures more complex and costly than the one they actually carried out, or over-treatment where doctors charge for treatments that were not medically necessary 2009 Experian Limited. All rights reserved. 13

14 Expected outputs of the trial. 3 stage prioritised list of high risk cases per insurer covering: Matches to own data Matches with other insurers Matches to Experian data Cases to be analysed for potential fraud and outcomes recorded Value of potential fraud found to be estimated to generate business case 14

15 What the next steps after a successful trial might be Conversations with Experian about implementing the Hunter software into business processes to automate the matching and referral routines Collaboration with participating insurers to construct a data sharing framework with agreement on matching and operational rules Evaluation of the iovation device reputation software into the solution 15

16 Future State How the system would work New Policies New Claims (+ Repeat treatments & episodes) Provider Billing ID & Fraud Management Solution Authentication scores Referral policy rules Authenticate Questions Verify Validate Historical Policy data (From Insurer s own & the wider PMI Community) Experian s Data >47m Voters Roll > 200m CAPS >136m A&A >330m Address >95m Detect + MORE + Insurer s Policy Admin system XML Data Extract Online Results (optional) Fraud risk Scores Historical Claims data (From Insurer s own & the wider PMI Community) Historical Provider Billing data Insurance Hunter National Hunter Referrals & case management (From Insurer s own & the wider PMI Community) CIFAS Underwriters Record frauds & suspicions HICFG Data CUE Investigators Fraud networks Fully hosted solution 16

17 Proactive Fraud Detection through Data Verification Experian Limited All rights reserved. Experian and the marks used herein are service marks or registered trademarks of Experian Limited. Other product and company names mentioned herein may be the trademarks of their respective owners. No part of this copyrighted work may be reproduced, modified, or distributed in any form or manner without the prior written permission of Experian Limited.

18 Experian offers identity checks to suit each and every stage of the insurance lifecycle, covering more than 30 countries worldwide How can we run a quick, light touch check on a person s identity as part of our quotation process? How can we be confident the person is who they say they are before we put them on cover? How can we be comfortable we're dealing with the right person before we pay out on a claim? Validate Authenticate Corroborate Public data Public & private data Electronic identity check Validate & verify Electronic identity check Public & private data Validate, verify & corroborate Electronic & interactive identity checks Identity documentation checks Increasing levels of risk demand increasing levels of confidence in customer identity checks 2009 Experian Limited. All rights reserved. 18

19 What is AutoDoc ID? There are 237 countries worldwide, each with various different ID Document Types AutoDoc ID is a service which analyses an image of an ID Document and determines whether the document is valid and authentic A Document can be invalid for a number of reasons, for example: Expired Document Fake or Altered ID Document Automated ID Document checking available 24 hours a day Manual document check available by a document expert trained to border control standards Upload a scanned document from anywhere in the world with an internet connection No specialised hardware or scanners needed Low cost Archived searches available online for 12 Months and offline for a further 5 years. Mobile phone cameras can be used to capture images of ID Documents including photocopies Validate ID documents from 237 countries around the world 2009 Experian Limited. All rights reserved. 19

20 Auto Doc ID Personal details from the document are automatically captured from the MRZ code meaning less manual data entry for your team. Name Gender DOB Nationality Document number, issue & expiry dates 2009 Experian Limited. All rights reserved. 20

21 Non UK Identity Authentication IIQ Global address databases from postal authorities covering 237 countries International Directory Enquiries databases from 24 countries including the whole of Western Europe & North America Credit Reference Agency data from 5 countries inc UK, USA, Germany, Canada and Sweden Global Sanctions & PEP data covering 237 countries Global ID document check service covering 237 countries Shared cross-border fraud alert databases contributed by worldwide ecommerce 2009 merchants Experian Limited. All rights such reserved. as Apple, Dell and Expedia 21

22 Bank Wizard Absolute Verifies the existence of a current account Identifies closed accounts and those where the owner is deceased Matches the name and date of birth provided by the customer to those held by the current account provider Note: Bank Wizard Absolute may only be used where there is intention to collect or make a payment to a customer s current account (Direct Debit, Direct Credit, Faster Payment, CHAPS) Matches the address provided by the customer to that held by the current account provider Uses account open date to provide a confidence score on time with bank 2009 Experian Limited. All rights reserved. 22

23 Experian Identity & Fraud A society where interactions are trusted Experian Limited. All rights reserved. 23

Application Fraud Detection Models

Application Fraud Detection Models Application Fraud Detection Models Adrian.Paine@uk.experian.com Credit Scoring and Credit Control X, Edinburgh 2007 Hunter Overview Hunter Product that identifies applications with a high risk of fraud

More information

Experian s UK Credit Bureau Scores. Version 1.6

Experian s UK Credit Bureau Scores. Version 1.6 Experian s UK Credit Bureau Scores Version 1.6 January 2014 About Experian Decision Analytics Experian Decision Analytics enterprise-wide solutions combine data intelligence, predictive analytics, decisionenabling

More information

Admiral Markets. ID Verification solution: Overview. Case Study

Admiral Markets. ID Verification solution: Overview. Case Study ID Verification solution: Admiral Markets Overview Company Admiral Markets is a leading forex trading provider. Challenge To protect itself from fraud and comply with regulations, Admiral Markets must

More information

one admin. one tool. Providing instant access to hundreds of industry leading verification tools.

one admin. one tool. Providing instant access to hundreds of industry leading verification tools. 2 7 12 14 11 15 8 16 10 41 40 42 19 49 45 44 50 48 47 51 46 52 53 55 54 56 57 67 68 1 5 39 43 58 71 81 82 69 70 88 25 29 23 26 22 3 21 28 4 6 32 30 38 33 31 37 34 35 36 63 59 64 60 62 61 65 72 73 66 74

More information

A strategic approach to fraud

A strategic approach to fraud A strategic approach to fraud A continuous cycle of fraud risk management The risk of fraud is rising at an unprecedented rate. Today s tough economic climate is driving a surge in first party fraud for

More information

Ageas Insurance Limited

Ageas Insurance Limited Trace and Investigate solution: Ageas Insurance Limited Overview Company Ageas UK is an award winning UK insurance provider. Challenge To protect itself from false claims, Ageas needed to be able to quickly

More information

Experian Public Sector

Experian Public Sector Experian Public Sector Making effective use of data to aid collection 30 th June 2009 Experian Limited 2009. All rights reserved. Experian and the marks used herein are service marks or registered trademarks

More information

Healthcare Professionals Crossing Borders Agreement

Healthcare Professionals Crossing Borders Agreement Healthcare Professionals Crossing Borders Agreement Contents 1. Healthcare Professionals Crossing Borders Agreement (the Agreement) 2 2. Background 5 2.1 EU Directives and Project Aims 5 2.2 Developing

More information

2nd Global Summit Healthcare Fraud: Prevention is better than cure. 25-26 October 2012 Beaumont Estate, Old Windsor, UK

2nd Global Summit Healthcare Fraud: Prevention is better than cure. 25-26 October 2012 Beaumont Estate, Old Windsor, UK 2nd Global Summit Healthcare Fraud: Prevention is better than cure 25-26 October 2012 Beaumont Estate, Old Windsor, UK The use of intelligence to prevent health insurance fraud in the UK Association of

More information

Bank Wizard Absolute. Account verification in real-time

Bank Wizard Absolute. Account verification in real-time Bank Wizard Absolute Account verification in real-time Why verify payment details for Direct Debit, Direct Credit and card transactions Transaction failure Direct Debit and Direct Credit are popular payment

More information

Critical Illness Claim Form

Critical Illness Claim Form group insurance Critical Illness Claim Form A partner you can trust. critical illness CLAIM FORM Policyholder s statement PLEASE PRINT. TO SPEED UP PROCESSING, ANSWER ALL QUESTIONS. Policyholder s name

More information

FRAUD TECHNIQUE: IDENTITY DOCUMENT VERIFICATION

FRAUD TECHNIQUE: IDENTITY DOCUMENT VERIFICATION FRAUD TECHNIQUE: IDENTITY DOCUMENT VERIFICATION A technique data sheet presented by The Fraud Practice LLC. Fraud Technique: Identity Document Verification Author: David Montague Identity Document Verification

More information

UIB UK PROFESSIONAL INDEMNITY

UIB UK PROFESSIONAL INDEMNITY 1. NAME AND ADDRESS DETAILS Practice Name Date Established S.R.A. Registration No. Main Office Address Telephone No. Contact Name Contact E-mail Address Practice Website Postcode Fax No. Do you have any

More information

DOCUMATION S SELF-SERVICE PORTAL

DOCUMATION S SELF-SERVICE PORTAL Documation is a leading provider of document-centric workflow and content management software, delivering services and solutions to businesses and organisations in the UK, Europe and around the world.

More information

Health Insurance Fraud Prevention. Using technology to prevent and detect billing and claims fraud

Health Insurance Fraud Prevention. Using technology to prevent and detect billing and claims fraud Health Insurance Fraud Prevention Using technology to prevent and detect billing and claims fraud HICFG Steering Group 1 x rep from each of the 10 member companies. (senior manager or delegated rep) Chair

More information

Get the finance your clients need, fast.

Get the finance your clients need, fast. Financial intermediaries Download pack Get the finance your clients need, fast. Funding Circle is an online loans marketplace enabling businesses to borrow 5,000 to 250,000 directly from real people in

More information

Knowledge-Based Authentication Challenge Response System

Knowledge-Based Authentication Challenge Response System Knowledge-Based Authentication Challenge Response System Kevin Trilli Director, Product Management VeriSign, Inc. Bill Andrews Sr. Manager, Product Management Lightbridge, Inc. Purpose and Agenda Purpose

More information

Patriot Act compliance for Finance and Commercial Loan Organizations

Patriot Act compliance for Finance and Commercial Loan Organizations Patriot Act compliance for Finance and Commercial Loan Organizations Patriot Act Compliance Charles Klingman,, US Treasury Dept. Present proposed regulations for Finance and Commercial Loan Companies Debra

More information

Guidance for Data Users on the Collection and Use of Personal Data through the Internet 1

Guidance for Data Users on the Collection and Use of Personal Data through the Internet 1 Guidance for Data Users on the Collection and Use of Personal Data through the Internet Introduction Operating online businesses or services, whether by commercial enterprises, non-government organisations

More information

Fraudulent accounts in collections: improve detection and reduce collector workload. An Experian briefing paper

Fraudulent accounts in collections: improve detection and reduce collector workload. An Experian briefing paper Fraudulent accounts in collections: improve detection and reduce collector workload An Experian briefing paper September 2010 1. The inter-relationship of fraud and collections The fraud and collections

More information

GROUP INCOME PROTECTION

GROUP INCOME PROTECTION GROUP INCOME PROTECTION PROACTIVE PROTECTION PROVIDED BY METLIFE POLICY technical guide This document is a guide to the features, benefits, risks and limitations of the policy, including how the policy

More information

Trustis FPS Healthcare Certificate Services Enrolment Requirements Acceptable Evidence in Support of an Application for a Digital Certificate

Trustis FPS Healthcare Certificate Services Enrolment Requirements Acceptable Evidence in Support of an Application for a Digital Certificate Trustis FPS Healthcare Certificate Services Enrolment Requirements Acceptable Evidence in Support of an Application for a Digital Certificate Important Notice: If you are an organisation that is already

More information

Tenant Screening Services. User guide

Tenant Screening Services. User guide Tenant Screening Services User guide Table of contents Tenant Screening Services overview...1 Security...1 Session time-out...1 User IDs and passwords...1 Password expiration...2 User expiration...2 First-time

More information

Increase revenue. Reduce operating costs. Improve efficiencies. Accomplish all this and more with eselectplus.

Increase revenue. Reduce operating costs. Improve efficiencies. Accomplish all this and more with eselectplus. Increase revenue. Reduce operating costs. Improve efficiencies. Accomplish all this and more with eselectplus. eselectplus makes payment simple for you, and for your customers. eselectplus is an easy-to-use,

More information

The Online Payment Process

The Online Payment Process Bank of Valletta Insert Title of Presentation The Online Payment Process Ray Bezzina Agenda Is there the need for me to go online? What do I stand to gain if I go online? What do I stand to lose if I do

More information

OVERSEAS PENSIONS (DISCOVERY)

OVERSEAS PENSIONS (DISCOVERY) OVERSEAS PENSIONS (DISCOVERY) DIGITAL IDENTITY FOR AN AGEING POPULATION BY FOLA OGUNSOLA & STEVE PANNIFER OIX 2015 1 Contributors OIX UK is the UK arm of a global organisation and works closely with the

More information

Best Practice Guide to Information Quality in the Consumer Collection Environment. A Decision Analytics briefing paper from Experian

Best Practice Guide to Information Quality in the Consumer Collection Environment. A Decision Analytics briefing paper from Experian Best Practice Guide to Information Quality in the Consumer Collection Environment A Decision Analytics briefing paper from Experian February 2009 Introduction To run an effective collection operation there

More information

Bank Wizard. Comprehensive payment data validation and verification

Bank Wizard. Comprehensive payment data validation and verification Bank Wizard Comprehensive payment data validation and verification Introduction The Bank Wizard product family enhances payment efficiency and helps reduce payment fraud with a comprehensive suite of bank

More information

Exploiting the Single Customer View to Maximise the Value of Customer Relationships

Exploiting the Single Customer View to Maximise the Value of Customer Relationships Exploiting the Single Customer View to Maximise the Value of Customer Relationships An Experian briefing paper focusing on consumer financial services Contents Executive summary... pg 2 Introduction...

More information

Fraud Solution for Financial Services

Fraud Solution for Financial Services Fraud Solution for Financial Services Transforming Fraud Detection and Prevention in Banks and Financial Services In the digital age, the implications of financial crime against banks and other financial

More information

Medical Emergency and Travel Expenses Claim Form

Medical Emergency and Travel Expenses Claim Form GlobeCover Personal Accident & Travel Insurance Medical Emergency and Travel Expenses Claim Form GlobeCover Personal Accident & Travel Insurance The claimant should complete and sign this form. If the

More information

PART 2 - DETAILS OF THE CLAIM

PART 2 - DETAILS OF THE CLAIM Lifeline Plus Group Personal Accident & Travel Insurance Personal Accident and Sickness Claim Form The claimant should complete and sign this form. If the claimant is under 18 years of age, this form should

More information

UltraCare International Schools plan Individual application Moratorium

UltraCare International Schools plan Individual application Moratorium UltraCare International Schools plan Individual application Moratorium Need help completing this application? Please contact either your advisor or us directly. You can find our contact details on our

More information

Product. Onboard Advisor Minimize Account Risk Through a Single, Integrated Onboarding Solution

Product. Onboard Advisor Minimize Account Risk Through a Single, Integrated Onboarding Solution Product Onboard Advisor Minimize Account Risk Through a Single, Integrated Onboarding Solution Product Losses from account fraud and debit risk are growing, so you ve got to move quickly and decisively

More information

An Oracle White Paper November 2011. Financial Crime and Compliance Management: Convergence of Compliance Risk and Financial Crime

An Oracle White Paper November 2011. Financial Crime and Compliance Management: Convergence of Compliance Risk and Financial Crime An Oracle White Paper November 2011 Financial Crime and Compliance Management: Convergence of Compliance Risk and Financial Crime Disclaimer The following is intended to outline our general product direction.

More information

Mortgage Insurance Protection Plan

Mortgage Insurance Protection Plan Mortgage Insurance Protection Plan FIRST PRINCIPLES MORTGAGE INSURANCE GROUP CREDITOR Bingham Group Services Corp. ( BGS ) is Canada s leading Third Party Administrator ( TPA ) and Managing General Agent

More information

IDENTITY & ACCESS MANAGEMENT IN THE CLOUD

IDENTITY & ACCESS MANAGEMENT IN THE CLOUD IDENTITY & ACCESS MANAGEMENT IN THE CLOUD www.wipro.com Niraj Kumar Shukla Table of Contents 3... 1. Introduction 3... 2. IAM Approach 4... 2.1. Phase I - Plan 4...2.1.1. Understanding the Environment

More information

Dramatically reduce operating costs and improve process efficiencies and productivity

Dramatically reduce operating costs and improve process efficiencies and productivity Vodafone Global Enterprise Vodafone Process Tracker Helping you to provide a better, more responsive service Dramatically reduce operating costs and improve process efficiencies and productivity enterprise.vodafone.com

More information

Motor Fleet Proposal Form

Motor Fleet Proposal Form It is an offence under the Road Traffic Act to make a false statement or withhold any material information for the purpose of obtaining a Certificate of Insurance. Furthermore, such action could invalidate

More information

List the names of all Prior Practices to which this Practice is a successor Practice. Name of Practice Date established Date of succession

List the names of all Prior Practices to which this Practice is a successor Practice. Name of Practice Date established Date of succession UIB GROUP UK PROFESSIONAL INDEMNITY 1. NAME AND ADDRESS DETAILS Practice Name Date Established S.R.A. Registration. Main Office Address Postcode Telephone Number Contact Name Contact E-mail Address Practice

More information

Lloyd s approved coverholder application Form guidance notes

Lloyd s approved coverholder application Form guidance notes Lloyd s approved coverholder application Form guidance notes May 2014 Introduction As the Delegated Authorities Team carry out the approval process in London without having a direct knowledge of your business,

More information

IMPORTANT NOTICE TO THE APPLICANT

IMPORTANT NOTICE TO THE APPLICANT Proposal Form Directors and Officers Liability Insurance ALL COMPANIES IMPORTANT NOTICE TO THE APPLICANT Please fully complete this Proposal Form. It is very important that the person completing the Proposal

More information

Protecting Business Information With A SharePoint Data Governance Model. TITUS White Paper

Protecting Business Information With A SharePoint Data Governance Model. TITUS White Paper Protecting Business Information With A SharePoint Data Governance Model TITUS White Paper Information in this document is subject to change without notice. Complying with all applicable copyright laws

More information

Smarter Analytics Leadership Summit Content Review

Smarter Analytics Leadership Summit Content Review Smarter Analytics Leadership Summit Content Review Agenda Fraud Point of View IBM Claims Fraud Solution Overview Infinity Insurance: Combating Fraud with IBM Claims Fraud Solution Building the Business

More information

SOLICITORS PROFESSIONAL INDEMNITY INSURANCE APPLICATION FORM

SOLICITORS PROFESSIONAL INDEMNITY INSURANCE APPLICATION FORM SOLICITORS PROFESSIONAL INDEMNITY INSURANCE APPLICATION FORM T L Dallas & Co Ltd Dallas House Low Moor Bradford BD12 0HF Tel: 01274 465500 Fax: 01274 465504 www.tldallas.com PROFESSIONAL INDEMNITY INSURANCE

More information

Utilizing Experian next generation decision management software to bring customer management to the next level of client experience and value creation

Utilizing Experian next generation decision management software to bring customer management to the next level of client experience and value creation Utilizing Experian next generation decision management software to bring customer management to the next level of client experience and value creation Susan Duffy Scotiabank Robert Stone Experian Christopher

More information

Fatal Accident Claim Form

Fatal Accident Claim Form Lifeline Plus Group Personal Accident & Travel Insurance Fatal Accident Claim Form The claimant should complete and sign this form. If the claimant is under 18 years of age, this form should be completed

More information

PRIVACY AND CREDIT REPORTING POLICY

PRIVACY AND CREDIT REPORTING POLICY R.A.C.V. Finance Limited PRIVACY AND CREDIT REPORTING POLICY Page 1 Contents 1. Introduction to RACV Finance Privacy and Credit Reporting Policy (the Policy ). 3 2. The Legislative Framework... 3 3. Types

More information

2: Credit cards, etc. Overview of the sector

2: Credit cards, etc. Overview of the sector 19 2: Credit cards, etc Overview of the sector Note: This sectoral guidance is incomplete on its own. It must be read in conjunction with the main guidance set out in Part I of the Guidance. 2.1 A credit

More information

Spotting ID Theft Red Flags A Guide for FACTA Compliance. An IDology, Inc. Whitepaper

Spotting ID Theft Red Flags A Guide for FACTA Compliance. An IDology, Inc. Whitepaper Spotting ID Theft Red Flags A Guide for FACTA Compliance An IDology, Inc. Whitepaper With a November 1 st deadline looming for financial companies and creditors to comply with Sections 114 and 315 of the

More information

Ouachita Baptist University. Identity Theft Policy and Program

Ouachita Baptist University. Identity Theft Policy and Program Ouachita Baptist University Identity Theft Policy and Program Under the Federal Trade Commission s Red Flags Rule, Ouachita Baptist University is required to establish an Identity Theft Prevention Program

More information

Refi Analyzer. Refi Analyzer. Frequently Asked Questions

Refi Analyzer. Refi Analyzer. Frequently Asked Questions ARCU Episys Extract Procedures Professional Services Refi Analyzer Refi Analyzer Frequently Asked Questions September 2012 Copyright 1999-2012 Jack Henry & Associates, Inc. All rights reserved. Information

More information

Proposal Form: Individual Personal Accident and Sickness Insurance

Proposal Form: Individual Personal Accident and Sickness Insurance Important tice Relating to this Proposal PLEASE READ THE FOLLOWING ADVICE BEFORE PROCEEDING TO COMPLETE THIS PROPOSAL FORM. Your Duty of Disclosure Before you enter into a contract of general insurance

More information

TSYS Managed Services. Reduce your fraud exposure and losses by utilizing Fraud Mitigation Services from

TSYS Managed Services. Reduce your fraud exposure and losses by utilizing Fraud Mitigation Services from Solutions Overview Full Suite of Managed Services for Mitigating Fraud Leverage our global visibility to identify and prevent fraud Select from a suite of services to meet your needs Reduce your fraud

More information

Terms of Business. Who we are? Whose policies do we offer? Which service will we provide you with?

Terms of Business. Who we are? Whose policies do we offer? Which service will we provide you with? Terms of Business The Financial Conduct Authority is the independent watchdog that regulates financial services. Contained in this document is information which the Financial Conduct Authority requires

More information

Legal Services Board Referral fees, referral arrangements and fee sharing

Legal Services Board Referral fees, referral arrangements and fee sharing Legal Services Board Summary Note Aviva has restricted its responses to Personal Injury. Aviva accepts there may be similarities in Conveyancing agreements but has no experience of these and so cannot

More information

Maximize customer value and reduce costs and risk

Maximize customer value and reduce costs and risk Maximize customer value and reduce costs and risk companies around the world face the same challenges: How can they lower costs while increasing profitability? Improve efficiency? Identify, attract and

More information

PayPoint.net VYC MERCHANT GUIDE

PayPoint.net VYC MERCHANT GUIDE PayPoint.net VYC MERCHANT GUIDE Copyright PayPoint.net 2008 This document contains the proprietary information of PayPoint.net and may not be reproduced in any form or disclosed to any third party without

More information

DOCUMATION S TRAVEL & EXPENSES

DOCUMATION S TRAVEL & EXPENSES Documation is a leading provider of document-centric workflow and content management software, delivering services and solutions to businesses and organisations in the UK, Europe and around the world.

More information

Risk Management Service Guide. Version 4.2 August 2013 Business Gateway

Risk Management Service Guide. Version 4.2 August 2013 Business Gateway Risk Management Service Guide Version 4.2 August 2013 Business Gateway This page is intentionally blank. Table Of Contents About this Guide... 1 Change History... 1 Copyright... 1 Introduction... 3 What

More information

Generating Income by Using Data to Better Manage Debt, Fraud, and Errors 2 Phase Approach Local Government Eric Applewhite

Generating Income by Using Data to Better Manage Debt, Fraud, and Errors 2 Phase Approach Local Government Eric Applewhite Generating Income by Using Data to Better Manage Debt, Fraud, and Errors 2 Phase Approach Local Government Eric Applewhite November 2015 Local Government: The Current Situation Local authorities are under

More information

DOCUMATION S CUSTOMER SERVICES SOLUTION

DOCUMATION S CUSTOMER SERVICES SOLUTION Documation s Customer Services Solution Documation is a leading provider of document-centric workflow and content management software, delivering services and solutions to businesses and organisations

More information

1. Understand the nature of the group risk market 2. 2. Understand the nature and purpose of the different types of employee benefits 3

1. Understand the nature of the group risk market 2. 2. Understand the nature and purpose of the different types of employee benefits 3 Group risk At the end of this unit, candidates should understand the: nature and purpose of employee benefits; main elements of the State benefits system in the UK; legislative and regulatory context in

More information

Merchant Payment Solutions

Merchant Payment Solutions Merchant Payment Solutions 1 Simplifying Payments 2 Safe and reliable payment processing is essential to your business. Authorize.Net, a leading payment gateway since 1996, provides solutions you can trust.

More information

eeye Digital Security and ECSC Ltd Whitepaper

eeye Digital Security and ECSC Ltd Whitepaper Attaining BS7799 Compliance with Retina Vulnerability Assessment Technology Information Security Risk Assessments For more information about eeye s Enterprise Vulnerability Assessment and Remediation Management

More information

Sports Health Insurance. application form for clubs with fewer than 10 members

Sports Health Insurance. application form for clubs with fewer than 10 members Sports Health Insurance application form for clubs with fewer than 10 members Here to Help We hope you will find this application form easy and straightforward to complete but if you require any assistance

More information

Contractors Choice. Professional Indemnity Supplementary Proposal Form September 2013 Edition

Contractors Choice. Professional Indemnity Supplementary Proposal Form September 2013 Edition Contractors Choice Professional Indemnity Supplementary Proposal Form September 2013 Edition Proposal for Professional Indemnity Insurance (Building Contractors Design and Construct) This product is only

More information

Spotlight Management Pack for SCOM

Spotlight Management Pack for SCOM Spotlight Management Pack for SCOM User Guide January 2015 The is used to display data from alarms raised by Spotlight on SQL Server Enterprise in SCOM (System Center Operations Manager). About System

More information

Document Imaging Trend Report Transportation Sector Prepared by: Pamela Doyle (March, 2007) Table of Contents

Document Imaging Trend Report Transportation Sector Prepared by: Pamela Doyle (March, 2007) Table of Contents Document Imaging Trend Report Transportation Sector Prepared by: Pamela Doyle (March, 2007) Table of Contents Market Description (The Prospect) Page 1 Business Drivers.Page 1 The Transportation Sector

More information

Xerox Mobile Link App Benefits Examples

Xerox Mobile Link App Benefits Examples App Benefits Examples Contents Case 1: Healthcare Forms ing Case 2: Auto Lease Case 3: Sales Contract ing Case 4: Enrollment and Registrations Case 5: Insurance Claims ing Case 6: Editorial Markups/ Collaboration

More information

Credit Card Acceptance & Chargeback Prevention

Credit Card Acceptance & Chargeback Prevention Credit Card Acceptance & Chargeback Prevention Tips for Travel Agents July 2010 About this Guidebook... 3 Credit Card Acceptance... 4 Fraud Prevention Tips... 7 Credit Card Chargebacks Tips...11 Payment

More information

Best practices for improving consumer data quality

Best practices for improving consumer data quality Best practices for improving consumer data quality Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product and company names

More information

Application for Private Medical Insurance Policyholders switching to Healthier Solutions

Application for Private Medical Insurance Policyholders switching to Healthier Solutions For office use only SR. Application for Private Medical Insurance Policyholders switching to Healthier Solutions Important: please read this section and then complete the application in BLOCK CAPITALS

More information

Helping to Reduce Insurance Fraud when Customers Apply for Products. A Good Practice Guide

Helping to Reduce Insurance Fraud when Customers Apply for Products. A Good Practice Guide Helping to Reduce Insurance Fraud when Customers Apply for Products A Good Practice Guide October 2011 1 Foreword Insurance is a unique form of contracting based on mutual trust between insurers and customers.

More information

How To Get A Health Insurance Plan From Aetna Global Benefits

How To Get A Health Insurance Plan From Aetna Global Benefits International Healthcare Plan Application orm Aetna Global Benefits Please read through the following before completing this application and complete in BLOCK CAPITALS. All information supplied will be

More information

Exploiting the Single Customer View to maximise the value of customer relationships

Exploiting the Single Customer View to maximise the value of customer relationships Exploiting the Single Customer View to maximise the value of customer relationships October 2011 Contents 1. Executive summary 2. Introduction 3. What is a single customer view? 4. Obstacles to achieving

More information

Griffiths & Armour Professional Risks. 1. Name and Address Details Main Office Solicitors Regulation Authority

Griffiths & Armour Professional Risks. 1. Name and Address Details Main Office Solicitors Regulation Authority Griffiths & Armour Professional Risks Griffiths & Armour Professional Risks acts as manager for the professional indemnity division of Griffiths & Armour Griffiths & Armour Professional Risks Ltd is an

More information

Self Service. Jeff Hance LANDESK Software

Self Service. Jeff Hance LANDESK Software Self Service Jeff Hance LANDESK Software Who we are Our History 1985 Founded (LAN Systems) 1991 Pioneered Systems Management with Intel 2002 Spun out Business Product Lines LANDesk - Wavelink - Shavlik

More information

Victorian Electoral Commissionq. Ballot Paper Scanning. Local Government Post Election Information Series

Victorian Electoral Commissionq. Ballot Paper Scanning. Local Government Post Election Information Series Cover 11 - Ballot Paper Scanning.pdf 1 6/10/2009 8:33:19 AM Victorian Electoral Commissionq Ballot Paper Scanning Local Government Post Election Information Series INTRODUCTION The Victorian Electoral

More information

Visa Debit ecommerce merchant acceptance. Frequently asked questions and flowchart

Visa Debit ecommerce merchant acceptance. Frequently asked questions and flowchart Visa Debit ecommerce merchant acceptance Frequently asked questions and flowchart Table Of Contents Visa Debit. The convenience of debit. The security of Visa. 3 The value of Visa Debit for ecommerce:

More information

Management Liability Policy

Management Liability Policy TOTAL HEALTHCARE PROFESSIONALS Management Liability Policy Protecting you and your practice from risk Exclusive cover and advice to reduce your risks The Total Healthcare Professionals Management Liability

More information

Online Payment Fraud. IP Intelligence is one of the top five techniques used to detect and prevent online fraud

Online Payment Fraud. IP Intelligence is one of the top five techniques used to detect and prevent online fraud Online Payment Fraud IP Intelligence is one of the top five techniques used to detect and prevent online fraud Online Payment Fraud 2 Contents IP Intelligence is one of the top five fraud tools 3 Not all

More information

> Cognizant Analytics for Banking & Financial Services Firms

> Cognizant Analytics for Banking & Financial Services Firms > Cognizant for Banking & Financial Services Firms Actionable insights help banks and financial services firms in digital transformation Challenges facing the industry Economic turmoil, demanding customers,

More information

LexisNexis InstantID. Technical White Paper. Analyzing Results. For the following: LexisNexis Bridger Insight XG. Contact LexisNexis Sales:

LexisNexis InstantID. Technical White Paper. Analyzing Results. For the following: LexisNexis Bridger Insight XG. Contact LexisNexis Sales: Technical White Paper LexisNexis InstantID Analyzing Results For the following: LexisNexis Bridger Insight XG Contact LexisNexis Sales: 877-922-5757 C ONTENTS Executive Summary..................................................

More information

GROUP INCOME PROTECTION PROACTIVE PROTECTION PROVIDED BY METLIFE POLICY TERMS & CONDITIONS

GROUP INCOME PROTECTION PROACTIVE PROTECTION PROVIDED BY METLIFE POLICY TERMS & CONDITIONS GROUP INCOME PROTECTION PROACTIVE PROTECTION PROVIDED BY METLIFE POLICY TERMS & CONDITIONS 1 CONTENTS 1. The policy 2 2. Definitions 3 3. Minimum requirements for the policy 7 4. Eligible employees and

More information

UIB UK PROFESSIONAL INDEMNITY

UIB UK PROFESSIONAL INDEMNITY l It is very important that you disclose fully and accurately all material facts. If you require more space please continue on your headed paper, then sign and attach to this form. Material facts are those

More information

MEDICAL MALPRACTICE AND PUBLIC LIABILITY INSURANCE FOR PARAMEDICS

MEDICAL MALPRACTICE AND PUBLIC LIABILITY INSURANCE FOR PARAMEDICS MEDICAL MALPRACTICE AND PUBLIC LIABILITY INSURANCE FOR PARAMEDICS INDEX 1 Page Nos. Page Nos. Introduction 3 4 Complaints Procedure & Claims 18 19 Reporting Who we are? 5 6 Financial Conduct Authority

More information

SECTION 1 ABOUT THE PROPOSER (Please write in block capitals or cross the appropriate boxes as required)

SECTION 1 ABOUT THE PROPOSER (Please write in block capitals or cross the appropriate boxes as required) Proposal Form Professional Indemnity Insurance MISCELLANEOUS PROFESSIONS IMPORTANT NOTICE TO THE PROPOSER Please fully complete this Proposal Form. It is very important that the person completing the Proposal

More information

Identity Theft Protection as an Employee Benefit

Identity Theft Protection as an Employee Benefit Identity Theft Protection as an Employee Benefit ID Watchdog is a leading provider of comprehensive identity monitoring as a deterrent against identity theft. Our patentpending identity monitoring solutions

More information

Level 2 Certificate in Accounting (7437-02)

Level 2 Certificate in Accounting (7437-02) Level 2 Certificate in Accounting (7437-02) Qualification handbook for centres 501/0004/X www.cityandguilds.com October 2010 Version 1.0 About City & Guilds City & Guilds is the UK s leading provider of

More information

VocaLink Mitigates Risks Associated with Application Development

VocaLink Mitigates Risks Associated with Application Development CLIENT INFO AT A GLANCE VocaLink Mitigates Risks Associated with Application Development Case Study TeamQuest specializes in IT Service Optimization Client Info at a Glance Company: VocaLink Location:

More information

HOME DEPOT DATA BREACH

HOME DEPOT DATA BREACH HOME DEPOT DATA BREACH This notice contains important information about the data breach announced by Home Depot, affecting some debit and credit cards used at Home Depot stores beginning April 2014. Data

More information

How To Create Trust Online

How To Create Trust Online Authors: Niall Burns (Symphonic), Professor Bill Buchanan (Edinburgh Napier University), Cassie Anderson (miicard) Overview There is a growing demand within governments, health sectors, social care, police,

More information

BMW Motorrad Unemployment Claim Form

BMW Motorrad Unemployment Claim Form BMW Motorrad Unemployment Claim Form IMPORTANT INFORMATION WHEN MAKING A CLAIM Incomplete claim forms may cause delay in the assessment of your claim. If you are a company employee please send either an

More information

Terms of Business. Who we are? Whose policies do we offer? Which service will we provide you with?

Terms of Business. Who we are? Whose policies do we offer? Which service will we provide you with? Terms of Business The Financial Conduct Authority is the independent watchdog that regulates financial services. Contained in this document is information which the Financial Conduct Authority requires

More information

Adobe Developer Workshop Series

Adobe Developer Workshop Series Adobe Developer Workshop Series Working with Security February 2005 San Francisco, California 2005 Adobe Systems Incorporated. All Rights Reserved. Agenda Introduction Overview of Intelligent Document

More information

Virtual Terminal User s Guide

Virtual Terminal User s Guide Virtual Terminal User s Guide For Professional Use Only Currently only available in English. A usage Professional Uniquement Disponible en Anglais uniquement pour l instant. Last updated: June 2009 PayPal

More information

A response by the Association of Personal Injury Lawyers

A response by the Association of Personal Injury Lawyers Legal Services Board Referral fees, referral arrangements and fee sharing consultation A response by the Association of Personal Injury Lawyers December 2010 Page 1 of 7 The Association of Personal Injury

More information