/MARCH ISSUE 9. Some Front! Crystal s Tips. Flushed away! Pie in the Sky? ferent Memories are made of this. FraudMatters. a

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1 Cn't red emil, click e Prter Friendly Versi ISSUE 9 /MARCH lcome nth sue sue FrudMtters. Indeed sue mrks yer nniversry nd s ul, cts cse studies nd feture rticles which serve cfirm tht prevlence nd prile frud defely. Some Frt! received clim from cstructi compny ftt three diggers wth 58k. It ws referred erred e specil vestigrs bece erly ccerns djter hd. Crystl s Tips Crystl s Tips new regulr r FrudMtters feture, we Investigti Services Client Direcr, Steve Crystl, shres h ltest view wld. Fncy n ipd? Tcklg grde cycle ve noticed n emergg e trend Ntil Investigti Centre nd s k mee beg picked by surers o. Rurl ses re becomg cresgly populr p frudsters seekg new loct ct out crsh csh scms. Pie Sky? pic frud ctues rer s ugly d press nd mrket-plce, nd rightly so. Frud n t victimless crime: costs ll mey verge e 44 yer per dividul policyholder. It lso strikes t t prciples surnce we mjy ctrie premiums comm fund tht pys out untunte few who st losses from uneseen events. Fld wy! After crefully cleng jellery en-sue bthroom, M plced rgs, pendnt ch, pir errgs nd tenn brcelet glss wter sok. Returng bthroom hlf n h lter, s put ctct lenses nd ed ilet. S n picked glss mid flh, gettg jellery ws t botm, nd emptied ctents down ilet. 15k wth jellery fld wy! But unlike ilet, sry simply didn t hold wter nd surer structed e specil vestigrs crry out n terview. Dodgy dt crss computer ft clim ft t 19 wth 15k from n dtril un red ccerns from outset s lleged event hppened jt eight hs fter policy ws tken out. And wn djter ved policyholder (Mr G) spic seemed vdicted. Not ly hd bess never hd surnce pri r policy, voice documents ppered homemde nd letter from computer splier hd no dte, ddress, ctct detils VAT. PARTNERSHIP MATTERS In Prtnership Mtters secti, Bess Development Direcr, Cth Willims, terviews different ferent dtry expert ech qurter g n sight frud relted sues fcg different ferent Memies re mde secrs dtry. Th qurter Cth terviews Steve Foulshm, Hed Technicl Services t A cler memy spted by notes mde t re Brh Insurnce Broker s Associ (BIBA). essentil elements vestigti wk s bunch csh crsh frudsters recently found out ir cost. It s begng new yer, so wht better meet et Investigti Services Seni Mngement Tem? Here s wht re ll bout. Hvg through process verifyg 2011 opertil svgs, Investigti Services re now ble rept tht svgs ve mde behlf clients through vestigti spect s clims tls 55milli.

2 lcome nth sue FrudMtters. tters. Indeed sue mrks yer nniversry niversry nd s ul, cts cse studies nd feture rticles which serve cfirm tht prevlence nd prile frud defely. F lg, I ve thought tht frtg n t jt n sue cfed m mrket, fct n cresg g thret les bess like commercil nd domestic s rticle Some Frt! cfirms. motive hidg true extent ml physicl rk ( technicl spek: delibertely mrepresentg fcts) from surers sme s mod operndi, s jt tht outside m I m not sure hs sme level stigm ttenti. Elsewe sue re re some gret new fetures es like Crystl s Tips nd posive terview Steve Foulshm, Hed Technicl Services t BIBA. It s good see Steve Foulshm reffirm firm imptnce tkg joed pproch ch tcklg frud brokers, surers nd wider sply ch wkg un shre best prctice. bttle mly beg fought clims ren nd some extent lwys will be s no frt le defence will ever be completely perfect. Tht sid, me cn do open new frt t pplicti stge will lp spot gned/repet frudster nd brg benefs wider surg public. As lwys y feedbck edbck sue lcome. Chrt Apl Hed Investigti ti Services Tel: Emil: chrt.pl@cl-uk.com p fetures ALERT news MEETTEAM e TEAM STOP PRESS ctct Some Frt! received clim from cstructi compny ft t three diggers wth 58k. It ws referred e specil vestigrs bece erly ccerns djter hd. Inil enquiries found tht not ly ws compny not very credwthy, s direcr ws 28 yer old Brzil ldy. lso estbld tht predecess compnies similr nmes hd operted by ldy s bnkrt boyfriend. spected ldy ws frtg policy bnkrt boyfriend nd hd tryg hide true extent rk so rrnged n terview. Almost ll quest resulted quizzicl look from womn wrds boyfriend, who n stepped respse. It certly seemed tht spic bout clim beg frted re vdicted. boyfriend ld tht t h girlfriend s compny hd bought three diggers from h previo compny shtly bee s liquidti nd h bnkrtcy. Hover, documents shod spt trnsfer re full dcrepncies nd ppered hve produced fter fct. re ccerned tht diggers hdn t slen t ll, hd eir recovered by h credirs sold py h debts. On ccludg terview ew left m lt documents tht d need, nd detils wnesses nd ficil ficil bodies (cludg police) d be ctctg vlidte circumstnces cse. Three dys lter y drew clim. Now 58k lot mey wlk wy from, so sked res retrctg clim. re ld tht ws combti dvice from ir ccountnt nd not wntg hssle pursug clim. An unlikely sry tht t ws cfirmed wn re ld by police tht sme diggers re subject clims surers. Our client ws me thn hppy tke svg. Th cse clssic c exmple frtg n trdil l m ren. would like know me bout how cn lp identify true nture commercil mercil rk plese cll Cth Willims hve clim tht requires es specilt t skills, ls, cn ssign si clim vi y ul Cunnghm nghm Ldsey ctct vi bse. Cth Willims Bess Development Direcr Tel: Emil: cth.willims@cl-uk.com p lcome fetures ALERT MEETTEAM e TEAM STOP PRESS ctct Fld wy! After crefully cleng jellery en-sue bthroom, M plced rgs, pendnt ch, pir errgs nd tenn n brcelet glss wter sok. Returng bthroom hlf n h lter, s put ctct lenses nd ed ilet. S n picked glss mid flh, gettg jellery ws t botm, nd emptied ctents down ilet. 15k wth jellery fld wy! But unlike ilet, sry simply didn t hold wter nd surer structed e specil vestigrs crry out n terview. Our fncil bckground ccks reveled tht M hd n dverse fncil hry hvg previoly mde bnkrt County Ct Judgements ents nd hvg entered n Individul dul Voluntry Agreement credirs. Coled vestigr s ccerns durg terview s why no ttempt ws mde recover ems, spic re red tht ll ws not s seemed. Given ir vlue nd policy sttg first thg mt do tke ll resble steps recover msg property, seemed resble hve t lest clled plumber cck ilet trp nd lift externl mnholes. Th hdn t de. expled wn met M tht foul drge run would ct trps nd jots pipes we ems could hve lodged, so bck M greed cmer survey pipewk. M provided documents from jeller givg dte sle some ems nd ir current replcement cost. y re bought replce similr ems slen burglry But s ll s cfirmti tht dimd errgs nd pendnt ch re bought fter dte ft, t, re ws document ltg 18ct w gold, seven sne dimd rg s ws climg s hvg bought Th pperwk ws prove vl. M lso provided pre-loss vluti from 2009 ltg ll lost jellery ems nd ights ech piece. Wh tl ight 31.8 grms, doubted tht ll ems would ve en successfully wsd wy fter beg tipped ilet mid flh. Bck t fice fice decided cduct recstructi g wss nd hooks tht mtcd ight lost jellery. A bthroom plug ch ws lso cut mtch exct ight tenn n brcelet. In first flo ilet (s rk ddress ws first flo prtment) videoed ems beg ped from glss wter durg flh cycle. On every occsi csi ll ems re left botm pn. As prt gogg crespdence, M med tht s d dcsed e cmer survey hbnd nd ccluded tht due extremely vy rfll ll eks sce loss, wouldn t be ny benef. Not ly did r recds show no notble rfll re sce loss, prtment buildg s srm wter nd foul drge re ctully seprte systems. As ll evidence poted frudulent clim, requested copy igl clim file burglry 2007 from client. Lted lg pieces jellery ws n 18ct w gold, seven sne dimd rg. A rg mtchg descripti hd cluded most recent loss. Too much cocidence? To spt 2007 clim M presented ented n igl vluti document from jeller, perhps unsurprgly i estbld tht t M hd presented exct crb copy vluti from sme jeller spt clim. S ws clerly climg sme rg. A rg tht hd lredy slen. M s clim ws decled full knowgly providg flse nd exggerted mti, svg surers 15k. hve clim tht requires es specilt t skills, ls, cn ssign si clim vi y ul Cunnghm nghm Ldsey ctct vi bse. Andrew Greenwood Nerk Technicl Mnger Nth Tel: Emil: ndrew.greenwood@cl-uk.com eenwood@cl-uk.com p lcome fetures ALERT MEETTEAM e TEAM STOP PRESS ctct

3 Dodgy dt crss computer ft clim Wn computer splier couldn t be trced, sked Mr G ny pro ownership, hd ne. So sked him bnk ft t 19 wth sttement showg mount levg h ccount. But h respse ws 15k from n dtril un red tht d victim multiple bnk fruds nd h ccount hd ccerns from outset s spended pendg ng enquiries so bnk couldn t relese ny sttements lleged event hppened jt eight him. hs fter policy ws tken out. And wn djter ved Hover, wht Mr G did hve ws phogrphs nd video dmge policyholder (Mr G) tht d tken h mobile p wn dcovered d brek-. spic seemed vdicted. Not sked him put phogrphs memy stick. Wn revied ly hd bess never hd m ws cler from dte nd mrker files tht y d surnce pri policy, tken fterno dy ft, t, lthough d lredy voice documents ld djter nd vestigr sttement tht hd dcovered ppered homemde brek- t 8:40pm. Dylight phos lso crobted fct nd letter from computer y d tken bee lleged dcovery s gets drk bee 5pm splier hd no dte, ddress, dress, Jnury. ctct t detils VAT. Bsed evidence, hd good res spect tht ftt hd never occurred nd dmge ws stged. clim hd simply voiced ccerns surers who structed specil vestigr put wrd de-frud surers out 15k. Mr G s policy ws voided due look clim. He ctcted Mr G dy e nd rrnged n pyment suess nd n-dclosure h previo cvicti, ll ppotment followg dy. Our vestigr s il impress s re tht eks beg structed. re now wkg police Mr G ws b fntst. Th ws bcked- by bckground enquiries view chrgg Mr G dsty fences, fences, wstg police nd which reveled d hd previo cvicti imperstg firefighter surnce frud. nd ttendg blze fire vehicle. Somethg hdn t dclosed surers wn tkg out policy. hve clim tht requires es specilt t skills, ls, cn ssign si clim vi y ul Cunnghm nghm Ldsey ctct vi bse. Although ly 21, Mr G sid d wked mny fields nd ws successful entrepreneur different ferent besses. He sid owned f HGV trcr uns, lthough vestigr, djter nd police hdn t seen Shr Roberts ny m durg ir vs. An lleged bess ws quotg Property Frud Mnger electricl, lrm nd secury wk which d n subctrct out Tel: firms, despe not beg NIC-EIC qulified. Emil: shr.roberts@cl-uk.com ob Wn pd expl why needed 19 nd how y re ed current bess, sid d bought m hope tht wk would pick, cceded tht hd no employees nd sted ed friends nd fmily lp out. found no evidence ny trdg nd serioly doubted turnover Mr G sid compny ws producg. p lcome fetures ALERT MEETTEAM e TEAM STOP PRESS ctct Memies re mde A cler memy spted by notes mde t re essentil elements vestigti wk s bunch csh crsh frudsters recently found out ir cost. Ms R ws climg m surnce policy n ccident lleged hve occurred 8 Jnury ry which s collided nd serioly dmged cr nd third prty vehicle. Although ren t directly volved vestigti re ctcted by solicirs ctg behlf surer jt eks bee cse ws due be d ct. lwyers hd d tht hd vestigted previo cident volvg Ms R nd hd tervied round lleged ccident. re ble cfirm tht vestigr met Ms R 8 Jnury, dy lleged ccident cident nd tht cr ws present nd undmged. Our vestigr hd returned hoe next dys nd ech occsi cr ws prked outside n undmged cdi. Th evidence ws vilble m ctempneo neo notes file. Our vestigr ws sked ttend ct nd gve crucil evidence tht lped surer r evidence tht ccident Jnury 8 could never hve hppened nd tht clims Ms R lg those driver nd pssengers cr re tlly fictio. Judge ws cled believe evidence provided d by vestigr nd ger h cler nd cce delivery from memy nd from h repts, Judge ccepted tht ccident hd fct never hppened. clim ws thrown out by Judge nd costs re wrded gst climnt. hve clim tht requires es specilt t skills, ls, cn ssign si clim vi y ul Cunnghm nghm Ldsey ctct vi bse. Jessic Volpe Ntil Investigti Centre Tem Leder Tel: Emil: jessic.volpe@cl-uk.com com p lcome fetures ALERT MEETTEAM e TEAM STOP PRESS ctct

4 Crystl s Tips Crystl s Tips new regulr frudmatters feture, we Investigti Services Client Direcr, Steve Crystl, shres h ltest view wld. Fncy n ipd? Tcklg grde cycle I thk I do. ll, I ve suddenly dcovered tht I m becomg b gdget-geek, nd I ve lookg t ipd recently very nice o. But I ll hve sve, nd nywy, suggests ipd 3 will be out bee o lg, so I thk I ll be thrifty men nd w ptiently. e mentied bse, I spect, lso populr those who ren t prepred w. ve seen b spike lte policyholders who seem thk tht mkg flse clim wy get wht y wnt n grde ltest b pprently mt-hve k. It ppers tht old dge csiderg cceptble exggerte stge clim now jt s good new ipd s still replcg crpet tht hs seen better dys. Our tem Crdiff specile undertkg telep vestigt nd re reptg successes wn hndlg spicio clims ccidentl loss/dmge gdgets. Hot picks t moment re: Anythg pple ipds nd lpps prticulr Pricey dps prticulr Dre Bets All smrtps ternet ccess Our recommendti tht close ttenti lwys pid gdget clims tht pper spicio nd, no fence tended those who re ng enough, especilly we csumer under 30 (nd perhps my hve tken policy out recently vi b trnscti). Some recent experience shows tht colg ge-bnd trnscti type wn n closely follod by gdget clim sequence tht ss nd sks be vestigted. se clims cn be problem, tht y my not necessrily be o high vlue, resultg csiderti s ecomics crryg out vestigt. My view tht soluti hs be found if fced such dilemm if igned, problem will grow terms volume nd vlue s wd spreds, nd I ve seen mny n exmple over yers policyholders who re prepred test wter l vlue, sgle em clims bee developg ides splement ny such success grnder clim ltle while down le. trick hve good wreness, nd rmed tht wreness be look out clims volvg some se hot pick ems we circumstnces strt stretch wht feel credible outcome probbly clim tht wrrnts some vestigti. It s imptnt n ct quickly most frudsters re opptuntic, so if sk quest erly n re wy tcklg problem. One recent success volved lleged ccidentl droppg n ip bth wter. climnt described how ws 10 secds bee s retrieved em from wter. Hve thk bout tht moment better still, imge tht hppeng nd count 10 secds. Does seem like lg, 10 secds rect stctively nd fh p out wter? It did clim hndler, who sked furr quest nd built cse tht led provg flse clim. Vi telep cversti mngement service, which cll Investigtive Telep Interviewg ( ITI), e telep terview techniques nd pplied psychology, which lps identify spect clims from first secd cversti policyholder. It lends self perfectly type clims I ve referred, nd cost-effective wy tcklg problem. Plese do get uch if hve similr clim ccerns bout some clims ve hndled recently. hve clim tht requires specilt skills, cn ssign clim vi y ul Cunnghm Ldsey ctct vi bse. Steve Crystl Investigti Services Client Direcr Tel: Emil: steven.crystl@cl-uk.com p lcome ALERT news MEETTEAM STOP PRESS ctct ve noticed n emergg trend Ntil Investigti Centre nd s k me beg picked by surers o. Rurl ses re becomg cresgly populr frudsters seekg new loct ct out crsh csh scms. Up until now, perpetrrs hve lrgely trgeted nocent mts built res, s y re lwys lookout mke ir crimes me difficult detect, y re turng country lnes s ll. At Ntil Investigti Centre screen clims clients nd re now lookg much me closely t clims rurl res. would urge clients do sme. hve clim tht requires specilt skills, cn ssign clim vi y ul Cunnghm Ldsey ctct vi bse. Nthlie Edwrds PA Hed Investigti Services Tel: Emil: nthlie.edwrds@cl-uk.com p lcome fetures news MEETTEAM STOP PRESS ctct

5 Pie Sky? pic frud ctues rer s ugly d press nd mrketplce, nd rightly so. Frud n t victimless crime: costs ll mey verge 44 yer per dividul policyholder. It lso strikes t t prciples surnce we mjy ctrie premiums comm fund tht pys out untunte few who st losses from uneseen events. In pst tnty yers ve mde some gret progress fight gst frud, re s so much me tht could nd should be de. Csider : re best focg efts nd resces now nd future? Wht should be dog mrow tht re not dog now enble mke furr progress? How could s n dtry best gne selves mke tht lep? By givg thought how se quest might be nsred, could jt mke smll lnd better plce we st d t hve subside dst. Wht would relly tke? foc efts nd resces now nd future?te no strightwrd nsr questi. re re d be dog lredy! Hover, I ve ten wdered if re s need prged ttck reduce clims frud. Let me expl. re strt g blnk piece pper I d like see fncil services compnies, cludg surnce compnies, compensrs nd government gencies, g nd shrg dt lp ech ed out known frudsters. mjy frud driven by fncil need greed so nsr follow mey tril s sce nd ensure stut hve joed systems nd ctrols. Th would men tcklg frudster t pplicti stge: bee y become cmers, mke clims receive pyments. d need re-exme extg sttute lws nd regult, if re serio bout fightg frud, we need strt. Wht should be dog mrow tht re not dog now enble mke furr progress? dtry s whole should be collbtg shre nd hrness cresed vlue from rich frud dt tht exts Insurnce Frud Bureu (IFB), legl spliers, clims mngement providers nd loss djters. It s process tht hs strted, tht could be dog me quickly. Te would be commercil nd policl chllenges overcome s me ten thn not dt belgs surer. Ors hve processed dt der provide service nd dog so my hve dded furr vlue by structurg, scg, clensg nd deed ddg. end gme mt be mxime vlue from ll dt nd telligence no mtter we ss comm good. Furrme, does dtry need determe wht cstutes mimum mti tht mt be cptured bout clim climnt ech le bess due csiderti blnce beten tken collect nd cost? By defg mimum dt cpture requirements ech le bess nd implementg sme cross dtry re ll better plced receive nd shre frud telligence benef wider surg public. Once plce mti cn be ed by surers go e step furr nd pply n telligence-led pproch rtg rks nd lp m spot frud t policy pplicti/underwrg stge s ll s clim stge. Wh me nd me surnce purchses beg mde over b dtry hs move s tre bttle gst surnce frud wy from clims ren strem rel frt le: pot purchse. How s n dtry could best gne selves mke tht lep? Hvg defed wht need do, led how set selves chieve hs come from Associ Brh Insurers (ABI) nd me specificlly, representtives from generl surnce nd life secrs. Th gro should sps project tem multe n ccelerted progrmme stndrdg mti cptured by dtry nd mens shrg dt compltly. Th would tke both policl nd cpl vestment returns would be vluble: greter good surg public, shreholders nd wider dtry. In 2009 ABI estimted tht undetected generl surnce clims frud costs dtry 1.9 billi yer so vestment would hve rel prospect securg significnt returns. In summry, p down pproch beg dvnced prllel surnce dtry pddlg s own cnoe, prospect meetg middle nd squeezg out frudsters seems ppelg. It might ll be vied s pie sky, ve put men mo nd should be fely esier, fely cper nd rep fr greter returns. hve clim tht requires specilt skills, cn ssign clim vi y ul Cunnghm Ldsey ctct vi bse. Chrt Apl Hed Investigti Services Tel: Emil: chrt.pl@cl-uk.com p lcome ALERT news MEETTEAM STOP PRESS ctct PARTNERSHIP MATTERS In Prtnership Mtters secti, Bess Development Direcr, Cth Willims, terviews different dtry expert ech qurter g n sight frud relted sues fcg different secrs dtry. Th qurter Cth terviews Steve Foulshm, Hed Technicl Services t Brh Insurnce Broker s Associ (BIBA). In recent yers surnce dtry hs mde some significnt progress fight gst frud. Which mesures do feel hve most effective? most significnt hve probbly those ttried Insurnce Frud Bureu (IFB). y hve hd success round crsh csh ctivy nd successful movg operti se gngs res. medi publicy round subsequent prosecut se dividuls hs undoubtedly lped. troducti Ctuo Insurnce Encement will lso lp combt unsured drivg. Te rel need dtry tke cti rr thn jt tlkg bout nti frud do feel next chllenges lie defetg frud? Te lk beten frudulent ctivy nd ecomic climte, nd so cn expect frudulent ctivy ctue nd extend res s get smrter lookg combt frud t pplicti level through me robt scruty clims. One such re libily we might expect n crese slips nd trips, deed feigng juries t wk. Do feel brokg communy hve role ply defetg frud nd how do feel y cn best be effective? Defely. Brokers re t shrp end nd hve gretest opptuny lookg frud pre ctrct, nd lso wn clim notified which perhps doesn t look que right. y cn lso sst surers vestigti wk round spicio clims s y will know client nd hve closer relthip thn surer. Brokers nd surers need wk closer ger spected frud cses, which best chieved through shrg dt. How cn BIBA s n gnti sst regrd? BIBA cn, nd hs, given guidnce members through pots ctct referrl t surnce compny level, nd lso development pplicti frud guide collbti Associ Brh Insurers (ABI) nd stkeholders. BIBA lso lends s spt IFB, Insurnce Frud Investigrs Gro (IFIG) nd frud stkeholders, nd keen wk IFB encge broker membership der exchnge frud dt, needs be costeffective smll brokers. BIBA lso cmpigng brokers be ble crry out vlidti drivg licences vi direct DVLA ccess s will be pful nti frud mesure. Wht do feel will be biggest frud relted chllenges, s n dtry will hve fce next five yers? biggest chllenges will be combt frud creted nd ced by ternet nd electric trdg generlly. dtry cmpign needs get ts nd mds dividuls nd get posi we public t lrge see frud s socilly uncceptble ctivy, which everye pyg directly cresed surnce premiums. police nti frud un now beg funded nd would hope see better publiced prosecut. dded benef police tht frud vestigt ten led cvict criml ctivy. And flly... we wld would most like v, nd why? Rio de Jniero. So much see nd so ltle hve clim tht requires specilt skills, cn ssign clim vi y ul Cunnghm Ldsey ctct vi bse. Cth Willims Bess Development Direcr Tel: Emil: cth.willims@cl-uk.com p lcome ALERT news MEETTEAM STOP PRESS ctct

6 It s begng new yer, so wht better meet Investigti Services Seni Mngement Tem? Here s wht re ll bout. As ll s beg psse bout tcklg frud, r d être provide clients cost-effective defence gst frud. In 2012 ll be ensurg tht Cunnghm Ldsey s frud strtegy beg executed effectively, developg fresh solut new nd extg threts, nd sstg opert improvg quly nd vlue services fer. Chrt Apl, Hed Investigti Services I strted my creer surnce Ell & Buckle 19 yers go. In tht I fulfilled roles clims mngement nd loss djtg ren bee specilg frud. lst 15 yers my creer hve spent vestigt ren nd I ve plyed prt growg bess from hndful prt- vestigrs who vestigted spect clims ddi dy job development dedicted nd speciled uns hve dy. As Hed Investigti Services I m respsible overll frud mngement proposi. Th extends ensurg tht strtegy detecti nd mngement clims frud effective nd delivers rel vlue clients cross ll clsses surnce. Th volves me wkg cross Cunnghm Ldsey s opertg structure ensure tht ppropre systems nd ctrols re plce identify spect clims nd tht y re mnged ccli ccdnce clients requirements nd philosophies. Investigti Services mde 110+ stff ll dedicted tcklg clims frud. Lst yer sved clients 55m. sked Chrt, if could hve sixth sense, wht would be? which replied: mens red people s mds! Steve Crystl, Client Relthip Direcr One m fetures my role represent Investigti Services through development nd mtennce frud mngement relthips clients. Th cludes overseeg nd mirg opertil permnce res frud detecti, ctment, service nd ABI frud svgs. My bckground property clims m, home, commercil nd trvel most prt. I ve surnce pretty much sce levg school my previo employers re both surnce compnies, nd my roles hve lwys clims, from deskp hndlg through clims specr pos; nd n me recently Cunnghm Ldsey s loss djter, vestigr nd vestigti mnger. sked Steve, if could v e plce wld, we would be nd why? I love movies, nd like nothg better thn lookg fmo film loct wn trvellg different plces. One my fve films Steve McQueen epic Bullt so very much my bucket lt hire Fd Mtng nd retrce cr chse scene round Sn Frncco obeyg speed lim cse! Cth Willims, Bess Development Direcr I m respsible wkg closely extg nd potentil new clients ensure tht frud mngement nd vestigti services fer not ly deliver results nd vlue, fer effective solut meet ir needs. In se chllengg s wn frud t n ll high, s lso imptnt tht rem best plced dpt emergg frud relted sues fcg clients. development new services, ree, big prt my role s ll s ensurg tht key messges reltg skills, cpbily nd solut get cross. I m t t, people pers nd tem plyer I like nothg better thn lpg clients better understnd frud rks y re exposed nd dcsg bespoke solut lp m mnge se rks nd chieve ir objectives. My whole creer hs dedicted vestigti, problem solvg nd n frud mngement, from jog police cdets from school, policg streets Moss Side Mncster, through dg m frud preventi t Nwich Uni. I now wk clients 1:1 bs tckle frud 21st century: nd re s still life old girl yet! Cth s quest ws wht would try if hd no fer? which s replied: I would do bungee jump solo prchute jump from higst, most spectculr locti possible like Nigr Flls. I ten thk how exhilrtg would be relquh ctrol nd jt throw yself f pltm plne. It mt be fntstic sensti jt fll through ir gives me goose bumps jt imgg tht fl secd wn hve eir jump oblivi chicken out nd despe my best tent I would lmost certly do ltter! Nthlie Edwrds, Persl Asstnt It ws privilege beg my creer Cunnghm Ldsey s Persl Asstnt wkg lte Clims Investigt Direcr, Dve Moe. Six yers lter I m now PA Chrt Apl nd rest h tem s ll s FrudMtters Edir. I m respsible producg mrketg budget nd executg mrketg nd PR cmpigns, lso project mngg prticipti t Frud Awrds nd relted dtry events. Me unully I m fluent French nd pply skill trnslti s nd wn required. Most recently I ve wked Cth Willims produce new Investigti Services fct pck: Wht Are You Not Seeg? cmpign nd luncd Investigti Services Twter ccount. Wht s most rndom fct know? Aerosol spry gret t gettg permnent mrker f w-bd! Probbly e strnger tips I ve picked my role, neverless wks! Nthlie Edwrds PA Hed Investigti Services Tel: Emil: nthlie.edwrds@cl-uk.com p lcome fetures ALERT news STOP PRESS ctct

7 Hvg through process verifyg 2011 opertil svgs, Investigti Services re now ble rept tht svgs ve mde behlf clients through vestigti spect clims tls 55 milli. Furrme, difficult nd unstble fncil climte which, hs repted, hs led recd mounts frud 1, ve seen sides three res mj loss, csulty nd commercil property compred 2010 svgs. Commercil property svgs rose by 900k from 13.9m 2010 jt under 14.9m Th represents 6.8% crese. Figures jt relesed by KPMG December 2011 show tht mjy perpetrrs dom re pressil crimls, who ccounted 74% frud gst commercil bess durg first hlf vlue creted clients mj loss ren me thn doubled from 4.8m 2010 jt over 10m 2011 n crese 5.2m. Mj Loss Investigt Mnger, Br McDld, sid: spike svgs cn be trced bck strt recessi nd chnges pproch which hve seen troducti dedicted Mj Loss Investigrs directly ssted by Fncil Investigti Un screen ll lrge clims. Our svgs permnce followg vestigti mj losses ws good 2009 nd 2010, three yers clients re now ble close me clims out pyment, comtble protecti provided by fdgs nd evidence gred. Interestgly, verge reserve clims vestigted nd closed over lst three yers hs remed cstnt t round 300,000. Hover, requirg vestigti hs doubled over pst 12 mths. Wh extremely difficult s perstg re no expectti downturn se s ner future. most drmtic crese cn be seen csulty ren, we svgs mde k cresed nefold 1.11m. Th unsurprg given recent results survey crried out by LV Insurnce which sttes tht medicl pressils re wnessg shrp re ptients ttemptg mke frudulent clims. 60% GPs surveyed repted n crese unscrulo ctivy reltg cr ccident juries. 3 In sme rept nerly ne out ten GPs reveled tht t some pot y hd seen somee who ws fbrictg n jury nd lmost ll those tervied sid y hd ved by somee y spected ws exggertg n jury. Our Libily Frud Mnger Shr Hurst comments: Wh surnce frud dles ctug domte m mrket, t begng lst yer, dcsed libily clients tht me determed frudster would try slip net by focg csulty frud sted, y beg percepti tht ir sry me likely be believed if jury climed due n ccident t wk slip trip public. 1 CIFAS sid tht overll frud hd cresed by 9 per cent. Frud Hs Recd Levels 2011, Telegrph, 1 Februry Frud UK - Fcts nd figures, Frud Advy Pnel 3 GPs revel steep re ptients 'bog' juries, POSTle.co.uk, 12 Jnury Nthlie Edwrds PA Hed Investigti Services Tel: Emil: nthlie.edwrds@cl-uk.com p lcome fetures ALERT news MEETTEAM ctct

8 provide frud vestigti services tckle fncil crime. sve mey fncil services secr nd s t rk from frud. brg telligence, pssi nd fresh respses betg frudsters nd protectg clients. Only provide clients comprensive rnge frud vestigti services pl pful resces nd bckg Cunnghm Ldsey. would like know me bout how cn lp benef from svgs nd services provide plese ctct: Cth Willims Investigti Services Bess Development e Direcr Tel: Fx: Emil: cth.willims@cl-uk.com Got ny terestg picl mti d like shre? Hve success sry necdote d like publh? lcomee relevnt subms s ll mtters frud-relted. Plese ctct y co-edirs Nthlie lie Edwrds nd Cth Willims. Alterntively, if 've msed previo sue FrudMtters te nd would like der bck copies, plese ctct Nthlie Edwrds. Nthlie Edwrds PA Hed Investigti Services Tel: Fx: Emil: nthlie.edwrds@cl-uk.com Cunnghm Ldsey e lrgest clims mngement n nd loss djtg besses UK. Our client bse rnges cross surnce dtry nd hve experte nd cpbily service differg fe needs through bespoke progrmmes spted by dedicted mngement. Through diverse rnge products nd services respd client needs nd lp m ddress key res cmer retenti, cmer stfcti cti nd cost ctrol. Full detils re vilble from y ul Cunnghm Ldsey representtive, by vg cunnghmldsey.com by ctctg ng ny people p lted below: Dvid An Direcr, Strtegic Bess Development Tel: Fx: Emil: dvid.n@cl-uk.com Mrk Henders Direcr, Bess Improvement Tel: Fx: Emil: mrk.nders@cl-uk.com Stepn en Re Direcr, Ld Mrket Tel: Fx: Emil: stepn.re@cl-uk.com Mrk Gilbert Hed Libily Services Tel: Fx: Emil: mrk.gilbert@cl-uk.com Gef f Bll Direcr, Project Mnged Services Tel: Fx: Emil: gef.bll@cl-uk.comf.bll@cl-u com Neil Gibs Hed Mj Loss Tel: Fx: Emil: neil.gibs@cl-uk.com Pul W Direcr Opert, Oriel Tel: Fx: Emil: pul.w@iel.co.uk Kev Lrmn Direcr, r, Client Relthips Tel: Fx: Emil: kev.lrmn@cl-uk.com Alln McNeilge Direcr, Loss Adjtg & Clims Mngement e nt Services Tel: Fx: Emil: lln.mcneilge@cl-uk.com Roy Svl Hed Surveyg Services Tel: Fx: Emil: roy.svl@cl-uk.com Col Gns Hed Property Tel: Fx: Emil: col.gns@cl-uk.com Chrt Apl Hed Investigti Services Tel: Fx: Emil: chrt.pl@cl-uk.com cl-uk.com Giles Crter Hed Subsidence Services Tel: Fx: Emil: giles.crter@cl-uk.com Pul McLrn Cpte rte Development Direcr Tel: Fx: Emil: pul.mclrn@cl-uk.com cl-uk.com Mrk Gege Direcr, Client Development Tel: Fx: Emil: mrk.gege@cl-uk.com Jthn Clrk Direcr, Cpte & Technicl Rks Tel: Fx: Emil: jthn.clrk@cl-uk.com cl-uk.com To unsubscribe click e e Cunnghm Ldsey/03-12/J02859 Overview Services Cunnghm nghm Ldsey Globl l Creers er Ctct Cunnghm Ldsey, Apex Plz, Fbury Rod, Redg, RG1 1AX Compny regtrti cunnghmldsey.com