Insights & perspectives
Insights on fraud risk, data, technology, AI and customer‑centred fraud prevention focused on the issues shaping fraud performance today.
Explore our insights
Fraud strategy and performance
How organisations can improve fraud outcomes, reduce leakage and build more effective operating models.
Data, technology and AI
How fraud teams can use technology well while keeping human judgement, explainability and operational reality in view.
Fraud risk, controls and assurance
Practical perspectives on governance, fraud controls, ECCTA readiness, assurance and response testing.
Customer-centred fraud prevention
How insurers can challenge fraud effectively while protecting genuine customers and supporting fair outcomes.
Matt has been a highly valued contributor to Modern Insurance Magazine and the Fraud Board, consistently bringing thoughtful, insightful, and commercially relevant perspectives to industry discussions.
He has a strong ability to communicate complex fraud and insurance topics in a clear, engaging, and practical way, and his contributions are always well-informed, balanced, and genuinely useful to the wider market conversation. Beyond his expertise, Matt is collaborative, professional, and proactive in supporting industry dialogue and knowledge sharing.
It has been a genuine pleasure working with him through MIM, and I would have no hesitation in recommending him to organisations looking for a trusted and knowledgeable voice within the insurance and fraud space
Editor – Modern Insurance Magazine
Latest thinking
Driving Collaboration to Tackle Insurance Fraud
Collaboration through reciprocal sharing of data and intelligence is crucial to tackling insurance fraud. In November’s Modern Insurance Magazine, Whitelk...
Growing Appeal of Insurance Fraud Careers
September 2025’s edition of Modern Insurance Magazine explored all things around careers and equal opportunities in the UK insurance sector. In the magazine,...
The Path to Insurance Counter Fraud
In Modern Insurance Magazine #73, Matt Gilham talks about his career pathway in counter fraud and why it continues to offer a rich opportunity for...
AI – Ozempic for Unhealthy Data Diet
Keeping Data Decisioning Fit in Tackling Fraud Counter fraud use cases have become the poster child of Artificial Intelligence. It’s a discipline...
Articles and publications
Rethinking What ‘Good’ Looks in Counter Fraud Investment
Successfully measuring meaningful change in fraud performance remains a challenge for insurance fraud leaders. In Modern Insurance Magazine Issue...
Mitigating fraud risk as cyber, insurance fraud and corporate fraud threats converge
When Worlds Collide: Are We Really Prepared for the Convergence of Cyber, Insurance Fraud and Corporate Fraud? Bad actor access to AI has irrevocably changed...
Whitelk at Insurance Innovators Fraud & Claims 2026
Whitelk is looking forward to attending and chairing three sessions at the leading insurance fraud conference Insurance Innovators Fraud and Claims...
Why Human Judgement Must Lead in an AI World
In January’s Modern Insurance Magazine, Matt Gilham, Director, Whitelk considered how we need to retain ‘human-in-the-lead’ in our use of AI in...
Podcasts
From Insurance Fraud to Corporate Liability, Cognitas Global and Lawrie Day
Matt Gilham shares his journey from fraud investigation to running his own consultancy, alongside in-depth discussion on the Economic Crime and...
Talking Insurance Podcast, Gerrard White and Steve White
Insurance fraud is evolving fast, from ghost broking and digital account takeovers to GenAI-forged documents. How can insurers stay ahead while protecting...
Evolv Podcast, Fintech OS
As insurers double down on AI to outsmart fraudsters, a new battle is heating up – and the stakes have never been higher. In this episode of 𝐄𝐯𝐨𝐥𝐯,...
Threat of AI in Insurance Fraud
Join Whitelk in the company of Insurance POST, Verisk and fraud leaders from Zurich, Allianz and RSA in a webinar as we debated the opportunities...
Topics we cover
How is insurance fraud changing?
Fraud threats are changing as criminals make greater use of data, digital channels, automation and AI. WHITELK looks at what this means for insurers, fraud teams, customers and controls.
How should insurers use AI in counter-fraud?
AI can support fraud detection and decision-making, but it needs clear governance, explainability, human judgement and a good understanding of operational risk.
Why does customer experience matter in fraud prevention?
Effective fraud control should challenge suspicious activity without creating unnecessary friction for genuine customers. The best approaches consider both fraud outcomes and customer impact.
What does good fraud governance look like?
Good fraud governance gives leaders a clear view of fraud risk, control effectiveness, ownership, escalation and whether the organisation could evidence its response under pressure.
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