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1 21.09.2016 Fraud in Marine Insurance Tino Napoleone Managing Director GBA SRL Italian President - FEDERPOL Insert your Logo here
1 21.09.2016
Fraud in Marine Insurance
Tino Napoleone Managing Director GBA SRL Italian President - FEDERPOL
Insert your
Logo here
AGENDA
FRAUD
History / Crimes - Definitions - Penal Code /
Statistics / Example : Ghost Truck
SOLUTIONS
Procedure of security / Surveyor – Investigator
role and purpose / Observatory and Authorities
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QUESTIONS
Has your insurance company ever been
involved in misappropriation cases?
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Yes
No
QUESTIONS
Have you paid the claims?
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Yes
No
QUESTIONS
Do you know if the guilty parties have been
arrested?
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Yes
No
QUESTIONS
Have you recovered the amount paid?
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Yes
No
FRAUD
21.09.2016 7
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NOT ALL CRIMINAL
ORGANIZATIONS ARE
CALLED «MAFIA» !!!!!
CAMORRA
‘NDRANGHETA
SACRA CORONA UNITA
MAFIA
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The gang operating in Terlizzi, Puglia, started its activity in
the 90’s. It began with a series of embezzlements through
the possession of companies’ identities using it for their
illegal purposes while the “real” company was totally
unaware of the criminal activity performed.
Over the years the phenomenon, facilitated by the new
technology (mostly through Internet), moved from Puglia to
Campania.
HISTORY OF MISAPPROPRIATION IN ITALY
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Some data indicates that this problem is
extended also to other countries in Europe, i.e.
Germany, France, The Netherlands, UK, The
Central and Eastern Europe Countries
Main problems :
Electronic freight sites (Internet)
Internal fraud (supplier’s or carrier’s own employees)
Lack of crime records
MISAPPROPRIATION ABROAD
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Definitions of :
Embezzlement / Hijacking / Theft /Identity Theft
Italian Penal Code :
Embezzlement Art. 646
Hijacking Art. 628
Theft Art. 624
Identity Theft Art. 494 and art. 9 law decree 93/2014
CRIMES AND DEFINITIONS
QUESTIONS
Does electronic identity theft exist, as a crime,
in your country?
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Yes
No
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Coming from various sources :
Official annual statistics issued by Ministry of Interior
VIASAT
STATISTICS OF TRUCK THEFTS
SOURCE 2013 2014
2015
MINISTRY OF
INTERIOR
1.242 1.031 //////
VIASAT ////// 2.051 2.275
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GHOST TRUCK
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Haulage offers using Internet
Low prices of freights
Transport companies specifically created in the name of
nominee. It takes several months before the name of these
companies could spread through as possible scam
Indentity theft by Internet
MODUS OPERANDI
SOLUTIONS
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What to check :
Carriers’ complete details and National Carriers’ registration
Transport licence
Vehicle registration certificate and drivers’ licence
Carriers’ liability insurance policy
Authorization for special goods
Special warranties (fashion, valuables, tobacco, alcoholic drinks, electronic devices)
PROCEDURE OF SECURITY
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Specialized experts
Being highly professional
Cooperation with Insurers for claims handling
and recovery actions
Cooperation with private investigators to be in
contact with authorities to have full and
complete information
Risk assessment
SURVEYOR / INVESTIGATOR ROLE
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Find responsibilities?
Find criminals?
Find goods?
THE MOST IMPORTANT ACTION IS
LOSS PREVENTION
PURPOSE
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On May 2, 2016 Ministry of Interior, together with:
AISCAT, ANAS, ANIA and Carriers’ National
Register, set up a national observatory for truck
theft and hijacking . The purpose is to find
appropriate strategies to prevent these events
and contemplate new initiatives coordinated by
Police Authorities.
OBSERVATORY
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THE INSURERS
SOLUTIONS
Pre-contract
Risk analysis
Intelligence
activity
Technical
analysis
Financial
analysis
LOSS
PREVENTION
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THE INSURED
SOLUTIONS
Carrier
Cargo Owner
Forwarder
Security
Manager
Risks/Claims
Manager
Training
Supply Chain
Manager
CONCLUSION
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Where are we now?
Is any data really reliable up to now
to allow all parties involved to better
control and prevent these events?
Only our experience can help us!
CONCLUSION
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Where we want to go. Our goal
We believe that an Observatory can be the only
efficient tool to monitor these matters. A complete
and detailed database filled out by all parties will
allow us to have significant tools and capabilities
to reduce these events. To defeat, or at least
control them, we need governmental measures
and valid instruments with decisive actions to be
planned by local and national authorities.
CONCLUSION
Via S. Vincenzo 4/7
16121 – GENOVA
Phone: +39 010 542937
Fax: +39 010 5370135
mail: [email protected]
website: www.gbasrl.eu
FEDERPOL
Italian President CLOSING SLIDE
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Tino Napoleone
Managing Director
