# Detecting Application Fraud in Insurance | Bureau Guide

As lucrative commissions attract more agents to the rapidly growing insurance industry, fraud cases have also risen. But what if there's a way to use a risk.

**Author**: Team Bureau

## Tackle fraud before it takes place

But what if such frauds are nipped in the bud? What if there’s a way to use a risk intelligence system to identify bogus applicants and assess them? It's now possible to identify such fraudsters with Bureau's risk intelligence and fraud prevention solution that uses analytics to identify applicants that might warrant a closer look.

With the help of data from user inputs, device, their behavioral history, and digital footprints, Bureau draws up comprehensive risk-gauged profiles for each user and matches them with the details provided by the applicant. High-risk profiles are then flagged for further checks while those with matched-up profiles have a smooth onboarding process. This ensures that insurance companies get the right users and less fraud while their customers get a seamless experience.

## Identify application fraud with Bureau

### Faster and more secure authentication
Silently authenticate users via telecom networks without any multi-factor authentication such as SMS OTPs. If there is any mismatch between the mobile number and the device, the user can be subjected to more checks.

### Establish risk attributes
Assimilates data points from email, phone, IP address, telcos to create risk-profiled identities denoted by a ‘Risk Score’.

### Tamper-proof assessment of user's devices
Device-based intelligence considers hardware and software-based signals available on the end user's device to identify risky attributes such as emulators, spoofing, and rooted phones.

### Automate identity verification and KYC processes
Automates manual reviews and regulatory checks, drawing a more comprehensive picture of the user by verifying the details with official databases, Optical Character Recognition (OCR), and liveness checks.