http___www.triglav.hr_o-nama_suzbijanje-prijevara_1.xml
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Zavarovalnica Triglav introduced a zero tolerance of fraud and thus clearly expressed its commitment to fair, responsible and legitimate business operations. The fraud management policy is based on three pillars: prevention, detection and investigation of fraud. These three pillars of anti-fraud defence are integrated in all business processes in our insurance company and enable fraud management across the entire range of its operations. By managing insurance fraud and other criminal offences we will lower our costs and the costs of our clients. elp us be more effective in preventing, detecting and investigating fraud by telling us about attempted or committed cases of fraud. Involvement of employees in the prevention of insurance fraud Triglav employees are trained to prevent and detect insurance fraud. A training course includes more than 1,500 employees involved in underwriting and claims settlement. Training is of crucial importance for raising employee awareness regarding the negative consequences of fraud as well as for creating and promoting an anti-fraud zero tolerance culture. Service for the prevention, detection and investigation of fraud Zavarovalnica Triglav has a Fraud Prevention, Detection and Investigation Department (SPORP), directly accountable to the Management Board. In this area, Zavarovalnica Triglav follows the best practices of modern global companies and operates in accordance with the guidelines of global organisations, such as the ACFE and the IAIS. SPORP deals with the prevention, detection and investigation of other types of criminal offences, where external players could cause damage to the insurance company. They are divided in the following areas: - illegal appropriation of property (fraud, tax evasion, abuse of power, disclosure of trade secrets ...) - corrupt practices (unjustified gift-giving and receiving, bribes, abusing the property of another ...) - false accounting (falsification or destruction of business documents, tax evasion ...) Advanced computer system for detecting and investigating all types of criminal offences In order to effectively combat insurance fraud and any other crime Zavarovalnica Triglav is faced with, we have implemented an advanced computer solution. It helps us prevent, investigate and research fraud. Software elements (such as i2) are standard products in global industrial sectors used by more than 4,500 organisations worldwide (insurance companies, banks, intelligence services, police, army, authorities in charge of money laundering prevention etc.). Fraud awareness-raising campaign Insurance fraud causes damage not only to the insurance company, but also to the policyholders since it raises premiums. Therefore, we decided to inform Triglav’s clients about this problem and show them how they can help us fight insurance fraud. About the campaign The aim of the campaign is to draw attention to the harmful effects of insurance fraud and encourage Triglav’s policyholders and employees to help prevent them for the common good. Insurance fraud is a criminal offence. Objectives of the campaign: - inform people about the problem of fraud - present the negative consequences of insurance fraud - show how Zavarovalnica Triglav is successful in insurance fraud detection Conference on insurance fraud In the framework of the campaign, a conference on insurance fraud was held on 14 May 2013. Its aim was to initiate an expert debate on insurance fraud and to further raise awareness of the general public about this issue. The conference presented the results of a study on the perception and understanding of the consequences of insurance fraud, while at the round table different aspects of insurance fraud were discussed by experts. More on the conference: - James E. Whitaker: The state and challenges of insurance fraud - Dejan Jasnič: Study on the perception and the understanding of consequences of insurance fraud - Announcement: Insurance fraud increases premiums for everybody - let's stop it together Don’t let imagination turn into fraud Most fraud attempts combine vivid imagination and quirky plans to commit fraud, sometimes involving employees in insurance companies. Loss assessors are also faced with imaginative stories, such as presented in the video below with Severina.
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Nulta stopa tolerancije na prijevare u Triglav osiguranju d.d. U Triglav osiguranju usvojili smo nultu stopu tolerancije na prijevare, čime jasno objavljujemo našu predanost aktivnom jamstvu poštenog, odgovornog i zakonitog poslovanja našeg društva. Politika obrane od prijevare postavljena je na tri stupa: sprječavanje, otkrivanje i istraživanje prijevara. Triglav osiguranje na tom se području ugleda na uspostavljenu dobru praksu suvremenih tvrtki i djeluje sukladno smjernicama svjetskih organizacija kao što su ACFE i IAIS. Tri stupa obrane od prijevara sežu u sve procese djelovanja naše osiguravajuće kuće i omogućuju tretiranje prijevara u cjelokupnom širokom spektru poslovanja osiguravajuće kuće. Za izvođenje zadataka na području prijevara u Triglav osiguranju zadužena je Služba za sprječavanje, otkrivanje i istraživanje prijevara (SPORP) koja je organizirana kao služba podrške i neposredno podređena Upravi Društva. SPORP u svojem radu obrađuje sve vrste prijevara čiji pojedini oblici prije svega proizlaze iz sljedećih postupanja: - protupravnog prisvajanja imovine osiguravajuće kuće (npr. prijevare, utaje, zlouporabe položaja ili povjerenja, prijevare u osiguranju, zlouporaba internih informacija, odavanje ili neovlašteni pristup poslovnim tajnama, neovlaštena uporaba tuđe oznake ili modela i slično), - koruptivnih ponašanja (npr. pronevjera ili neovlašteno korištenje tuđe imovine, neovlašteno primanje ili davanje poklona, davanje mita, davanje ili primanje koristi za nezakonito posredovanje i slično), - krivotvorenja poslovnih knjiga (npr. krivotvorenje ili uništavanje poslovnih dokumenata, utaja poreza i slično). Uspostavljanje naprednoga računalnog rješenja za otkrivanje prijevara U TRIGLAV OSIGURANJU u tijeku je implementacija paketnoga računalnog rješenja za sprječavanje, otkrivanje i istraživanje prijevara. Slična rješenja organizacije u cijelom svijetu koriste za uspješno i učinkovito otkrivanje i analizu kaznenih djela – i prijevara u osiguranju i drugih kaznenih djela pojedinaca ili zločinačkih organizacija. Uspostavljanje sustava sprječavanja, otkrivanja i istraživanja prijevara u Grupi Triglav Prema usvojenom Planu implementacije sustava sprječavanja, otkrivanja i istraživanja prijevara u Grupi Triglav, u svim društvima uspostavljene su službe za sprječavanje, otkrivanje i istraživanje prijevara po uzoru na matično društvo. To je prvi korak prema organiziranoj, a time i učinkovitoj borbi protiv prijevara na razini Grupe Triglav. Sudjelovanje zaposlenika u savladavanju prijevara U Triglav osiguranju u tijeku je edukacija za zaposlenike na području sprječavanja i otkrivanja prijevara. Edukacija je vrlo značajna za osvješćivanje zaposlenika o negativnim posljedicama prijevara i za uspostavljanje te njegovanje kulture nulte stope tolerancije na prijevare.