Although the industry today is better positioned to detect and prevent fraud than at any other time in existence, the individuals who perform improprieties continue to successfully commit acts that cost companies and policyholders billions. Through manipulation of records, which in the normal course of business “paint” an accurate picture of claim and company positions, fraudsters deceive users of financial statements to reach financial gain at an innocent’s expense.

To catch and prevent fraud, we must use the latest and most powerful techniques available to us as professionals. Using a methodical approach to both catch and deter, we are able to punish today’s criminals while at the same time help future problems from occurring. A methodical approach can take many forms, bringing great success to a claim adjuster charged with looking for fraud. One approach to detection — the “Three A’s” approach — can be utilized in all lines and types of business to uncover fraud and save a company’s bottom line.

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