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Detect risk, eliminate fraud, secure compliance

Software platform

FRISS® has 100% focus and dedication to fraud detection and risk mitigation for non-life insurance companies worldwide. FRISS® helps insurers to improve their combined ratio in order to achieve profitable portfolio growth and enhance the perception in the market as a trustworthy insurer. FRISS® believes in honest and fair insurance premiums, for everyone.

Ready-to-use business solution

FRISS® is live in 8 weeks and has a ROI within 12 months, due to the experience with 100+ implementations at insurers. Customer specific configuration is the main part. Rather than general purpose analytic software or homegrown systems that have to be built from scratch, FRISS® is largely prebuilt and therefore a ready-to-use business solution.

Solutions

FRISS® Score

FRISS Score

As a proven standard the FRISS® Score enables better decisions. It is the core of the solutions and indicates the risk for each quotation, policy or claim. FRISS® cares for its customer before, during and after implementation. The FRISS® Learning Cycle supports a journey of continuous improvement to stay ahead in dynamic times and to sustain for the future.

Latest thinking

The 5 most viewed articles, blogs and videos
vlog

Netflix for Insurers: Preventing Fraud with Predictive Modeling

Insurers can use a lot of modern tools for preventing insurance fraud, like: machine learning, deep learning and network analysis. Using tools like these often has a major impact.

News

The 8 biggest fraud challenges for insurers

The insurance industry is modernizing fast in numerous ways. Hot topics such as insurtech, mobile adoption, blockchain and predictive analytics are just a number of improvements that change the way insurers work. However, insurers face a number of challenges in effectively responding to fraud.

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[report] – Insurance Fraud & Digital Transformation Survey 2016

The published report of the “Insurance Fraud & Digital Transformation Survey 2016”. The survey was conducted by FRISS to get direct input on trends, challenges and the current state of the insurance industry. Input was provided by 160+ insurance professionals from 25+ countries.

The latest insights on fraud, risk & compliance: 'fresh from the FRISS Lab'
FRISS Lab #7

Netflix for Insurers: Preventing Fraud with Predictive Modeling

Insurers can use a lot of modern tools for preventing insurance fraud, like: machine learning, deep learning and network analysis. Using tools like these often has a major impact.

FRISS Lab #6

How to build a profitable portfolio as a 100% online insurer?

Mars Samsom, Business Unit Manager at InShared, explains how InShared was founded in 2009 as a 100% online insurer and became one of the most successful insurers in the online market.

FRISS Lab #5

How can insurers work together to fight fraud by organized crime?

Fraudsters are always looking for the weak spot. We should therefore share information about fraud networks. Not only at a national level, but also cross-border.

The latest developments across the non-life insurance industry regarding fraud, risk and compliance.
15 May 2017

DIA 2017: FRISS wins DIAmond Award for best Show & Tell

During the Digital Insurance Agenda (DIA) Amsterdam on 10 and 11 May, several ‘insurtech’ companies showed their latest developments to the insurance market. After an engaging presentation and live demo, FRISS was elected the best “Show & Tell” with a DIAmond Award.

02 May 2017

EVRY and FRISS introduce “fraud detection as a service” in the Nordics

Together, they deliver an innovative fraud prevention and detection solution for the Nordic insurance industry. This partnership strengthens EVRY’s position as a leading solution provider to the insurance industry, and will further expand the FRISS footprint in the region.

01 May 2017

Insurers: Go cloud or go home? SaaS versus on-premises applications

Until about ten years ago, insurance company IT managers and compliance managers would never consider storing their data off-site. An increasing number of companies are nowadays immediately opting for SaaS when they purchase a new system or a new application.

The latest thinking and expert insights into the insurance industry.
20 April 2017

Recognizing fraud starts with front office staff

Every attempt at committing fraud starts at the front office. Gert van Beek presents an interesting business case in which front office staff was trained to recognize fraud signs and potential deceitful behavior of claimants. This blog is based on his FRAUDtalk.

07 March 2017

7 ways for insurers to stimulate honest behavior

What techniques can insurers use to stimulate honest behavior and reduce fraud? Joanne Reinhard from the Behavioural Insights Team is specialized in applying behavioral science to bring about behavioral change. She shares multiple useful tips for insurers.

03 March 2017

Netflix for Insurers: Preventing Fraud with Predictive Modeling

Gian Luigi Chiesa is data scientist at FRISS. He builds analytical tools that provide insight into the data that insurers use in their fight against fraud. Gian sees how Netflix profits from big data and concludes that the insurance industry can learn from this.

[ebook] – How insurers are in control of risks at underwriting

It is important to have a clear picture of potential customers before they enter an insurance portfolio. Insurers should decide on the amount of risk they are willing to take in. In this ebook, 4 insurance companies share their experience on the way they are in control of risks at underwriting.

[ebook] – How insurers increase the number of proven fraud cases at claims

Traditionally the claims department gets the highest priority within insurers when it comes to fighting fraud. In this ebook, three international insurance companies share their experiences from the fight against fraud.

[report] – Insurance Fraud & Digital Transformation Survey 2016

The published report of the “Insurance Fraud & Digital Transformation Survey 2016”. The survey was conducted by FRISS to get direct input on trends, challenges and the current state of the insurance industry. Input was provided by 160+ insurance professionals from 25+ countries.

As a thought leader, FRISS is sharing its expert knowledge on various stages worldwide.
May
10-11

Digital Insurance Agenda (DIA) Amsterdam 2017

FRISS will be sharing expertise at DIA 2017. The event in Amsterdam (Netherlands) features insurtech innovations with impact on the insurance industry.

May
24

FIAR – The international Insurance Reinsurance forum

FIAR - THE INTERNATIONAL INSURANCE-REINSURANCE FORUM stands as the most important CEE & CIS spring event dedicated to the insurance, reinsurance and private pensions markets.

Jun
1

Webinar: Insurance Fraud & Digitization Trends

FRAUDtalks webinar: In this free webinar you will learn about key trends in insurance regarding fraud & digitization. Reserve your free e-seat for this session today.

Our work

All customer stories

Ready-to-use business solutions

Underwriting Risk Assessment

Improve your portfolio value by real-time automated detection and assessment of risks during the underwriting process. It is important to prevent insurance fraud and high risk by having a clear picture of potential customers before they enter your portfolio. The underwriting solution provides an intelligent and objective risk evaluation, which is also useful during the claims process.

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Claims Fraud Detection

Reduce your loss ratio by increasing the chances of detecting fraud and limit false positives to a minimum. Use automated fraud detection during the claims process to make an accurate and objective estimation of the risks related to a claim. It improves straight through processing (STP), and claims that need further attention will be recognized directly.

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Compliance Screening

Compliance concerns all insurance processes. Gain insight into Ultimate Beneficial Owners (UBOs) and become compliant with the latest legislation and regulations. Knowing and screening your customers will prevent image loss and avoids high penalties. This will enhance the quality of your underwriting process. Furthermore, administrative burdens will be reduced to a minimum.

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Get to know us

FRISS is a fast growing company with an ambition that is driven by passion, focus and dedication. At FRISS, we feel comfortable in being different by having confidence in our knowledge and expertise. That is what distinguishes us in serving our customers. We continuously invest in technology, processes and people. This helps us to further develop, sustain and innovate our business.

Our team

We want our employees to feel valuable and acknowledged for everyone’s own unique contribution to our success. Creativity should not only be a way of thinking, but just as much a way of acting, communicating and decision making.

Our workplace

Being open to new thinking or solutions and daring to discover unbeaten tracks. At FRISS, we encourage exceeding limits since it helps us to exceed our company limits.

Sustainability

We are headquartered at Creative Valley, a carbon-neutral office building that is constructed with sustainable materials. The building is able to store both warmth and cold and it is powered by renewable energy. Working from our office helps us to significantly reduce the footprint that daily business imposes on the global environment.

Why we do what we do

At FRISS, we believe in honest and affordable insurance for everyone. Our question for insurance companies: why do your sincere customers have to bear for the risk brought in by others? In the end it is the society that suffers from fraud. Our mission is to strive for a trustworthy insurance industry, healthy insurance portfolios and fair insurance premiums for everybody across the globe.

    Jeroen Morrenhof

    CEO and Co-Founder

    The title entrepreneur defines who I am. My energy is derived from new initiatives and I do not avoid taking risks. I come from a long line of entrepreneurs who have taught me how to think out-of-the-box, to set high goals for myself and to work to realize them. I am constantly searching for new, innovative challenges. My ambition for FRISS is to help all insurers globally in preventing and fighting fraud and become the number one player for fraud, risk and compliance.

    Christian van Leeuwen

    CTO and Co-Founder

    "Innovation is key to the continuing success of any organization”. Within the organisation I am regarded as the thought leader in the field of fraud, risk and compliance. Currently my main responsibility is the Product Strategy. I am therefore leading the Solutions & Innovation Team in adding new solutions and technology on fraud detection techniques and predictive analytics to the product in order to remain successful.

    Roos Tji

    CIO

    Wherever I go there is movement or things start to move, in my personal as well as my professional life. My ongoing challenge is to always strive for improvement, by stimulating others and changing the way we work as an organization. This is what motivates and energizes me. I believe in the talents of people and I am thoroughly convinced that these are key to be successful as a company. I am really proud when people discover their talents. The combination of interest, belief and progression defines the person I am and the way I work. Our growth, our people, our product and our ambition: it makes me very proud to to contribute to the success of this company.

    Marc Mulder

    CCO

    An energetic and experienced commercial manager, that is always looking for the optimum for all parties, is what I am. I value to be a trustworthy, goal oriented and fun person to work with. Some characteristics I would like to think I have: Serious about what I do, authentic, realistic, goal oriented, loyal, team builder, positive, sense of humor, determined, listener (try to understand) and communicate with the desired effect in mind. It is not that often you come across a company like FRISS and to get the chance to contribute to its success.

    Our partners

    We offer our partners the benefits from our platform accompanied by extensive knowledge, expertise and experience within our business area.

    FRISS works with strategic and alliance partners around the world.
    Join our quest for honest insurance!
    Become a partner

    Global presence

    Serving our customers around the globe. FRISS is the leading expert in the field of fraud, risk & compliance for the insurance industry. We have a unique global footprint with 100+ implementations in over 15 countries.

    Industry analysts have recognized FRISS as the market leader concerning fraud and risk solutions for non-life insurance companies. Our aim is to expand this leadership by sustaining our focus and dedication in this field.

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    FRISS

    Headquarters

    Orteliuslaan 15
    3528 BA Utrecht
    The Netherlands

    info@friss.eu +31 30 767 0352

    Contact

    Industry Recognition

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    Contact us

    Cookie and Privacy Policy

    1.    Introduction

    When you use the FRISS website and its content, FRISS may collect information about your use of this website and its content. It is important to FRISS to treat your personal information with the utmost care and confidentiality. FRISS fully complies with the Personal Data Protection Act and Article 11.7a of the Telecommunication Act.

    1.1.  Content

    FRISS reserves the right not to be responsible for the selection of topics, accuracy, completeness or quality of the information provided. Liability claims related to damage caused by the use of the information provided, including information that is incomplete or inaccurate, will therefore be rejected. Any representations as shown on this website are non-binding and without any obligation. Portions of the pages or the complete publication, including any representations and information, may be supplemented, changed or removed partially or entirely by FRISS, without any specific announcement about this.

    1.2.  Referrals and links

    FRISS is not responsible for content to which there is a link or a reference from the pages of the website – unless FRISS is fully aware of illegal content and would be able to prevent visitors from viewing these pages from its website. In the event of damage resulting from the use of the information shown there, the author of the respective pages would be exclusively liable; not those who provided a link to these pages.

    1.3.  Copyright

    It is FRISS’ intention not to use copyrighted material for publication. If this is not possible, the copyright of the respective object will be mentioned. The copyright for the material that is produced by FRISS is reserved. Duplication or use of objects, such as diagrams, images, sounds or texts in other electronic or printed publications is not permitted without written approval from FRISS.

    1.4.  Privacy policy

    If the opportunity is offered to enter personal or business data (email addresses, name, addresses, etc.), entering this data will be done on a voluntary basis. The use of postal addresses, phone or fax numbers and email addresses by FRISS for marketing purposes is prohibited.

    1.5.  Legal validity of this Cookie and Privacy Policy

    This Cookie and Privacy policy must be seen as a component of the internet publication you were referred from. If portions or individual terms and conditions of this policy are not legal or accurate, the content or validity of other portions will not be affected.

    2.    Processed personal data and responsibility

    When you download content, register for a newsletter, use our digital services, contact FRISS, or use FRISS’ services in any other way, the (personal) data provided by you will be saved and processed under the responsibility of FRISS.

    In addition to the personal data you provide to FRISS, FRISS may collect, save and process additional personal data regarding your use of FRISS’ services. This applies to the following personal data:

    • data regarding devices used, such as a unique device-ID, version of the operating system and settings of the device you used to gain access to a service;
    • data regarding the use of a service, such as the time you used it and the type of service used;
    • location data from your device or derived from  your IP address, which is provided to us when you use a particular service;
    • data available in external sources. For example, we may receive information from publicly or commercially available sources; for example from a social media website.

    The entity responsible for the data processing is FRISS Fraudebestrijding B.V.,Orteliuslaan 15, 3528 BA, Utrecht. The data processing is reported to the Personal Data Protection Authority in The Hague.

    2.1.  Purposes of data processing

    FRISS processes your personal data for the following purposes:

    • to set up an agreement, e.g. by approaching you via telephone or email.
    • to implement the agreement, for example, to deliver the products, services or information selected by you;
    • to keep you informed of FRISS’ products and services, if you wish this;
    • to send you a newsletter, user information, service message or other messages (electronically or otherwise);
    • to send you content requested by means of a download form;
    • to enable sharing content via social websites (offered by third parties);
    • improvement of products and services. Based on information about your interests and about your use of our products and services, we try to align our products and services more with your use or interests;
    • to comply with the law and regulations applicable to FRISS.

    2.2.  Data transmission to third parties

    Your data will not be disclosed to parties that are not part of FRISS without your permission, except in the following case. It may happen that FRISS is forced to disclose certain data based on law and regulations, for example, to the police, in the context of investigation proceedings. In these cases, FRISS will only disclose data if it is clearly a matter of a legal obligation to disclose.

    2.3.  Phone calls

    Phone calls with FRISS will never be recorded. No rights can therefore be derived from a phone call.

    2.4.  Security data

    FRISS respects the privacy of every party involved and ensures that the personal data is treated with confidentiality and the utmost care. All personal data is securely stored in FRISS’ administration. These databases are accessible exclusively to FRISS employees, to the extent that this is required by reason of their duties. FRISS will make all reasonable effort to protect its systems from loss and/or any form of illegal use or processing, using appropriate technical and organisational measures, taking into account the state of technology and other factors.

    FRISS is not, however, liable for illegally obtained access to computers or files, or any other consequences of providing data to FRISS.

    2.5.  Access and correction of data and right to object

    You may access your data that has been processed by FRISS at any time and free of charge and change it if you wish to do so. You may also object to receiving targeted information regarding FRISS’ products, services, or content. If you wish to use one of these options, you may send an email to: marketing@friss.eu, or send a letter to:

    FRISS
    Attention: Marketing
    Orteliuslaan 15
    3528 BA Utrecht.

    3.    Cookies

    When using FRISS’ services, FRISS may collect information about your use of our services and other websites, for example, by means of cookies.

    A cookie is a small file that is sent along with pages of a website and is stored on the hard drive of your computer by your browser. See here, for a more detailed explanation about all possible cookies that may be installed when you visit one of our websites.

    3.1.  FRISS’ purposes for using cookies

    A cookie enables your browser to subsequently be recognised during repeated visits to a website. FRISS, for example, uses cookies for:

    1. statistical purposes: to analyse the use of the FRISS websites. For example: tracking how many visitors visit a particular web page, so that FRISS will know which (parts of) its websites are popular.
    2. (if you have given permission for this) “targeting” purposes: to develop a profile of you based on your surfing behaviour. This applies to Google Analytics cookies and HubSpot cookies.

    3.2.  Removing and refusing cookies

    Via the browser settings on your computer you can remove cookies that have already been installed and you can refuse installation of new cookies. How to do this is different for each browser; if necessary, consult the help function of your browser. In addition, you can also refuse most cookies that are installed with the use of the FRISS website, both collectively and individually at: http://www.youronlinechoices.com/uk/your-ad-choices. Here you can also see which of the cookies mentioned are active on your browser.

    Please note: if you remove and/or refuse cookies you will not be able to use all of a website’s options. In addition, refusing and/or removing cookies only affects the computer and the browser you are using for this action. If you use several computers and/or browsers you will have to repeat the aforementioned action(s) as often as needed.

    4.    Changes to this Cookie and Privacy policy

    FRISS reserves the right to make changes to this Cookie and Privacy policy. Every change will be published on this page. We advise you to regularly check this Cookie and Privacy policy, so that you are always informed about the content of the valid Cookie and Privacy policy.