Case Study
A Leading Insurer Cuts Fraud to Drive 30% Faster Onboarding
A Leading Insurer Cuts Fraud to Drive 30% Faster Onboarding
A Leading Insurer Cuts Fraud to Drive 30% Faster Onboarding
Client
A major private insurance company with products spanning children’s plans, wealth protection, retirement, and pensions.
Challenges
Fake applications due to rampant agent abuse, leading to customer complaints, drop-offs, and operational inefficiencies.
Solution
Bureau’s real-time identity verification and onboarding intelligence to validate identities, detect agent abuse, and reduce friction.
Demonstrated Results
100+ fake applications flagged, 30% faster onboarding, lower complaints, higher conversions, and 37% of users benefiting from seamless onboarding.
Introduction
Agent-driven fake applications created rising complaints and customer drop-offs. Bureau’s real-time risk decisioning helped block fraud, restore onboarding integrity, improve conversion rates, and safeguard customer trust.
The Challenge
Internal Agent Abuse
Despite strong growth, the insurer was experiencing a disturbing trend where its internal field agents were exploiting the system. To inflate commissions, agents submitted unauthorized or fake applications, often misusing real customer data or creating synthetic identities.
This created confusion while processing the applications, resulting in false positives and false negatives. The genuine applications took a long time to verify, whereas fake profiles slipped through. SMS- and email-based verification attempts failed, as agents controlled those channels too. These additional authentication hoops frustrated legitimate applicants, driving up drop-offs and impacting conversion rates. Furthermore, customer discontent grew on discovering that their personal details had been misused.
The insurer needed a solution that could balance speed, accuracy, and trust to block fraud while enabling genuine users to onboard effortlessly.
The Solution
Custom Onboarding Flows for Superior Defense
The insurer turned to Bureau’s Identity Verification solution to protect its sign-up and onboarding workflows. Bureau’s solution seamlessly integrated into the company’s existing systems to protect genuine users by delivering proactive, precise, and invisible fraud deterrence:
Real-time persona verification: Bureau verified applicant details, such as name, email, and phone number, to instantly generate a risk profile.
Agent abuse detection: By analyzing device signals and behavioral patterns, Bureau flagged instances where agents themselves were submitting fraudulent applications.
Frictionless experience: Risk profiling of identity, device, and behavior happened in under a minute, allowing low-risk customers a smooth, non-intrusive onboarding journey.
The Bureau Impact
Measurable Impact from Week One
Within a week Bureau made an immediate and measurable impact, with fraudulent applications being flagged at the source and genuine customers onboarded more smoothly. Within the first week of integration, the company was able to:
Detect 100+ fake applications and re-submit them with the correct details.
Significantly reduce customer complaints linked to unauthorized applications.
Reduce onboarding time by 30%, boosting conversions and enhancing customer experience.
Transform the bottleneck of fraud, customer complaints, and drop-offs into a faster, more trusted onboarding experience.
From Risk Control to Revenue Impact
Bureau stops fraud before it can escalate. Its suite of solutions streamline onboarding and build customer loyalty. Unlike static verification methods that not only fail to block abuse, but also add friction, Bureau delivers real-time intelligence across identity, device, and behavior. This gives businesses the power to stop all fraud - internal and external - at the source. By enabling dynamic onboarding journeys based on risk levels, Bureau helps preserve customer trust while scaling growth.
Core Capabilities:
Device Intelligence: Identifies trusted devices with real-time risk analysis against 160+ signals like rooted devices, emulator usage, and spoofed environments.
Behavioral Biometrics: Profiles user behavior to instantly flag anomalies bots, impersonation, session hijacking, and more.
Graph Analysis: Maps interconnected users, devices, and IPs to unearth fraud rings and collusion at scale.
Identity Verification: Performs seamless identity and liveness checks for onboarding.
Contextual Decisioning: Dynamically adapts authentication and access according to contextual risk levels.
Privacy-first Design: Built to meet global data protection standards across industries and markets.
Bureau’s risk decisioning platform integrates these capabilities to power proactive yet data-backed protection against evolving fraud tactics.
Bureau’s unified risk decisioning platform helps marketplaces expand to new geographical locations with confidence while ensuring local, regional, and global compliance
Conclusion
Bureau not only solved a fraud problem for this insurer, but also helped it future-proof business growth. By stopping agent abuse, reducing onboarding time, and elevating trust, Bureau has become a critical partner in helping the insurer scale securely in a competitive market.
About Bureau
Bureau is a unified risk decisioning platform for digital user journeys that helps digital businesses verify users, detect fraud, and secure trust in real time. Trusted by 200+ global companies across financial institutions, fintechs, digital marketplaces, and consumer internet companies, Bureau powers safer, smarter digital ecosystems across the world.
The Challenge
Internal Agent Abuse
Despite strong growth, the insurer was experiencing a disturbing trend where its internal field agents were exploiting the system. To inflate commissions, agents submitted unauthorized or fake applications, often misusing real customer data or creating synthetic identities.
This created confusion while processing the applications, resulting in false positives and false negatives. The genuine applications took a long time to verify, whereas fake profiles slipped through. SMS- and email-based verification attempts failed, as agents controlled those channels too. These additional authentication hoops frustrated legitimate applicants, driving up drop-offs and impacting conversion rates. Furthermore, customer discontent grew on discovering that their personal details had been misused.
The insurer needed a solution that could balance speed, accuracy, and trust to block fraud while enabling genuine users to onboard effortlessly.
The Challenge
Internal Agent Abuse
Despite strong growth, the insurer was experiencing a disturbing trend where its internal field agents were exploiting the system. To inflate commissions, agents submitted unauthorized or fake applications, often misusing real customer data or creating synthetic identities.
This created confusion while processing the applications, resulting in false positives and false negatives. The genuine applications took a long time to verify, whereas fake profiles slipped through. SMS- and email-based verification attempts failed, as agents controlled those channels too. These additional authentication hoops frustrated legitimate applicants, driving up drop-offs and impacting conversion rates. Furthermore, customer discontent grew on discovering that their personal details had been misused.
The insurer needed a solution that could balance speed, accuracy, and trust to block fraud while enabling genuine users to onboard effortlessly.
The Solution
Custom Onboarding Flows for Superior Defense
The insurer turned to Bureau’s Identity Verification solution to protect its sign-up and onboarding workflows. Bureau’s solution seamlessly integrated into the company’s existing systems to protect genuine users by delivering proactive, precise, and invisible fraud deterrence:
Real-time persona verification: Bureau verified applicant details, such as name, email, and phone number, to instantly generate a risk profile.
Agent abuse detection: By analyzing device signals and behavioral patterns, Bureau flagged instances where agents themselves were submitting fraudulent applications.
Frictionless experience: Risk profiling of identity, device, and behavior happened in under a minute, allowing low-risk customers a smooth, non-intrusive onboarding journey.
The Solution
Custom Onboarding Flows for Superior Defense
The insurer turned to Bureau’s Identity Verification solution to protect its sign-up and onboarding workflows. Bureau’s solution seamlessly integrated into the company’s existing systems to protect genuine users by delivering proactive, precise, and invisible fraud deterrence:
Real-time persona verification: Bureau verified applicant details, such as name, email, and phone number, to instantly generate a risk profile.
Agent abuse detection: By analyzing device signals and behavioral patterns, Bureau flagged instances where agents themselves were submitting fraudulent applications.
Frictionless experience: Risk profiling of identity, device, and behavior happened in under a minute, allowing low-risk customers a smooth, non-intrusive onboarding journey.
The Bureau Impact
Measurable Impact from Week One
Within a week Bureau made an immediate and measurable impact, with fraudulent applications being flagged at the source and genuine customers onboarded more smoothly. Within the first week of integration, the company was able to:
Detect 100+ fake applications and re-submit them with the correct details.
Significantly reduce customer complaints linked to unauthorized applications.
Reduce onboarding time by 30%, boosting conversions and enhancing customer experience.
Transform the bottleneck of fraud, customer complaints, and drop-offs into a faster, more trusted onboarding experience.
The Bureau Impact
Measurable Impact from Week One
Within a week Bureau made an immediate and measurable impact, with fraudulent applications being flagged at the source and genuine customers onboarded more smoothly. Within the first week of integration, the company was able to:
Detect 100+ fake applications and re-submit them with the correct details.
Significantly reduce customer complaints linked to unauthorized applications.
Reduce onboarding time by 30%, boosting conversions and enhancing customer experience.
Transform the bottleneck of fraud, customer complaints, and drop-offs into a faster, more trusted onboarding experience.
From Risk Control to Revenue Impact
Bureau stops fraud before it can escalate. Its suite of solutions streamline onboarding and build customer loyalty. Unlike static verification methods that not only fail to block abuse, but also add friction, Bureau delivers real-time intelligence across identity, device, and behavior. This gives businesses the power to stop all fraud - internal and external - at the source. By enabling dynamic onboarding journeys based on risk levels, Bureau helps preserve customer trust while scaling growth.
Core Capabilities:
Device Intelligence: Identifies trusted devices with real-time risk analysis against 160+ signals like rooted devices, emulator usage, and spoofed environments.
Behavioral Biometrics: Profiles user behavior to instantly flag anomalies bots, impersonation, session hijacking, and more.
Graph Analysis: Maps interconnected users, devices, and IPs to unearth fraud rings and collusion at scale.
Identity Verification: Performs seamless identity and liveness checks for onboarding.
Contextual Decisioning: Dynamically adapts authentication and access according to contextual risk levels.
Privacy-first Design: Built to meet global data protection standards across industries and markets.
Bureau’s risk decisioning platform integrates these capabilities to power proactive yet data-backed protection against evolving fraud tactics.
From Risk Control to Revenue Impact
Bureau stops fraud before it can escalate. Its suite of solutions streamline onboarding and build customer loyalty. Unlike static verification methods that not only fail to block abuse, but also add friction, Bureau delivers real-time intelligence across identity, device, and behavior. This gives businesses the power to stop all fraud - internal and external - at the source. By enabling dynamic onboarding journeys based on risk levels, Bureau helps preserve customer trust while scaling growth.
Core Capabilities:
Device Intelligence: Identifies trusted devices with real-time risk analysis against 160+ signals like rooted devices, emulator usage, and spoofed environments.
Behavioral Biometrics: Profiles user behavior to instantly flag anomalies bots, impersonation, session hijacking, and more.
Graph Analysis: Maps interconnected users, devices, and IPs to unearth fraud rings and collusion at scale.
Identity Verification: Performs seamless identity and liveness checks for onboarding.
Contextual Decisioning: Dynamically adapts authentication and access according to contextual risk levels.
Privacy-first Design: Built to meet global data protection standards across industries and markets.
Bureau’s risk decisioning platform integrates these capabilities to power proactive yet data-backed protection against evolving fraud tactics.
Bureau’s unified risk decisioning platform helps marketplaces expand to new geographical locations with confidence while ensuring local, regional, and global compliance
Schedule a Demo
Bureau’s unified risk decisioning platform helps marketplaces expand to new geographical locations with confidence while ensuring local, regional, and global compliance
Schedule a Demo
Bureau’s unified risk decisioning platform helps marketplaces expand to new geographical locations with confidence while ensuring local, regional, and global compliance
Schedule a Demo
Bureau’s unified risk decisioning platform helps marketplaces expand to new geographical locations with confidence while ensuring local, regional, and global compliance
Schedule a Demo
Conclusion
Bureau not only solved a fraud problem for this insurer, but also helped it future-proof business growth. By stopping agent abuse, reducing onboarding time, and elevating trust, Bureau has become a critical partner in helping the insurer scale securely in a competitive market.
About Bureau
Bureau is a unified risk decisioning platform for digital user journeys that helps digital businesses verify users, detect fraud, and secure trust in real time. Trusted by 200+ global companies across financial institutions, fintechs, digital marketplaces, and consumer internet companies, Bureau powers safer, smarter digital ecosystems across the world.
Conclusion
Bureau not only solved a fraud problem for this insurer, but also helped it future-proof business growth. By stopping agent abuse, reducing onboarding time, and elevating trust, Bureau has become a critical partner in helping the insurer scale securely in a competitive market.
About Bureau
Bureau is a unified risk decisioning platform for digital user journeys that helps digital businesses verify users, detect fraud, and secure trust in real time. Trusted by 200+ global companies across financial institutions, fintechs, digital marketplaces, and consumer internet companies, Bureau powers safer, smarter digital ecosystems across the world.
Company
Category
Identity Fraud
Compliance
Client
A major private insurance company with products spanning children’s plans, wealth protection, retirement, and pensions.
Challenges
Fake applications due to rampant agent abuse, leading to customer complaints, drop-offs, and operational inefficiencies.
Demonstrated Results
100+ fake applications flagged, 30% faster onboarding, lower complaints, higher conversions, and 37% of users benefiting from seamless onboarding.
Solution
Bureau’s real-time identity verification and onboarding intelligence to validate identities, detect agent abuse, and reduce friction.
Client
A major private insurance company with products spanning children’s plans, wealth protection, retirement, and pensions.
Company
Category
Identity Fraud
Compliance
Challenges
High RTO rates impacting margins, especially from COD orders
Solution
Bureau’s real-time identity verification and onboarding intelligence to validate identities, detect agent abuse, and reduce friction.
Demonstrated Results
100+ fake applications flagged, 30% faster onboarding, lower complaints, higher conversions, and 37% of users benefiting from seamless onboarding.
Client
A major private insurance company with products spanning children’s plans, wealth protection, retirement, and pensions.
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Solutions
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Industries
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Resources
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Company
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Solutions
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Company
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Privacy Policy. Terms of Service.
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Leave behind fragmented tools. Stop fraud rings, cut false declines, and deliver secure digital journeys at scale
Leave behind fragmented tools. Stop fraud rings, cut false declines, and deliver secure digital journeys at scale