New Frontiers in Fraud Detection

Jun 10, 2025

Barbarians at the Commercial Gate

In Modern Insurance Magazine #71, we take a deep dive into two decades of experience in combating underwriting fraud within personal lines. This edition explores the valuable lessons learned and innovative strategies developed over the years, and challenges readers to consider how these insights can be effectively applied to the more complex and evolving landscape of commercial lines fraud.

Don’t miss Whitelk’s compelling feature, “Barbarians at the Commercial Gate,” on page 55, where the shifting dynamics of commercial fraud prevention are explored in depth.

Edition #71 is now available online. Read it here

View All Articles

← Older Newest →

Matt Gilham

CEO

Matt Gilham leads WHITELK with 30+ years’ experience in fraud risk management, insurance fraud prevention and corporate fraud. He helps organisations modernise fraud prevention through strategy, data-led approaches, technology and operational change. Matt also contributes through articles, podcasts, webinars and conference speaking.

FRAUD DATA SHARING IS AN INVESTMENT, NOT A COST

Collaboration has already transformed the insurance industry’s ability to tackle fraud. The next challenge is ensuring organisations are willing to invest in the data sharing that makes it possible. The insurance sector has a strong track record of collaborative fraud...

Can Rebuilding Consumer Trust Reduce the Cost of Opportunistic Insurance Fraud?

Why UK Insurance Has a Trust Problem Insurance has always rested on a simple promise: you pay your premium, and your insurer is there when life goes wrong. That promise has a name in law – uberrima fides, the duty of utmost good faith – and it assumes both parties...

Assessing the Claim: Can Rebuilding Consumer Trust Reduce the Cost of Opportunistic Insurance Fraud?

An Economic Criminology Analysis of the UK Insurance Market Author: Noah Gilham Abstract This report evaluates the hypothesis that rebuilding consumer trust is a necessary condition for reducing the cost of opportunistic insurance fraud in the United Kingdom. Drawing...

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 77, Matt Gilham thinks ‘beyond savings’ to consider what good really looks like in counter fraud investment. Measurement...

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 our threat landscape. Low-cost crime-as-a-service, generation of high-quality phishing emails, fraudulent...

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 2026 in London on 24th February. Matt Gilham will be facilitating discussions on topics as diverse and fraud unmasked...

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 tackling fraud. I recently published a short series of LinkedIn posts talking through some of the fraud detection tricks of...

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 Corporate Transparency Act. Together with Lawrie Day, CEO of Cognitas Global, we explore how fraud risk, regulation and...

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 explores the continuing importance of reciprocity and how this is central to the Insurance Fraud Bureau’s...

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, Matt Gilham reflected on his own career and the growing attractiveness to a career in fraud and insurance...