The Importance of Guidelines for Insurance Photos and Digital Media

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For insurance carriers who are thinking about or who have currently implemented self-service processes for gathering photos and digital media that will be used in claims, underwriting or inspections, it is important to put in place a set of guidelines BEFORE they begin using this customer-provided media. Photos and other digital media like videos and documents should be of business quality free of fraudulent or inadvertent editing and not over-processed to the point that they are unsuitable for AI-based automation like assessments, appraisals, or information extraction.

Our recent 2021 survey revealed that less than 30% of enterprise organizations have taken steps to guard against fraudulent or altered digital media, and many who have done so currently rely on human inspection of digital media, which is hard to maintain, hard to scale, and costly. With automation and straight-through processing advancements, human intervention in insurance transactions needs to be reconsidered.

To assist organizations, we’ve created a set of recommended guidelines for gathering, handling and inspecting digital media used to make business decisions.

These guidelines are intended as a way to:

  • achieve consistency
  • prevent tampering
  • ensure long term sustainability

 

It is critically important to control the data gathering processes in the face of fraud and emerging cyber threats, such as synthetic media, and the ever-growing needs of self-service and automation.

In the upcoming weeks, we’ll be sharing these guidelines to address key areas where organizations can take action to improve, optimize and protect their intake of digital media.

Resolution

Recommendations

- Enforce minimum requirements - Flag media below threshold
Learn more

Quality

Recommendations

- AI real-time measures - Ability to reissue low-quality media
Learn more

Tampering

Recommendations

- Inline or offline analysis identifies or prevents various types of tampering.
Learn more

Duplication

Recommendations

- Media reuse across claims - Media reuse across carriers (opt-in)
Learn more

Processing

Recommendations

- Resizing, compressing, reformatting - Metadata loss
Learn more

Contextual anomalies

Recommendations

- Time and location differences - Camera differences - Other anomalies
Attestiv

Attestiv

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Nicos Vekiarides

Nicos Vekiarides

Nicos Vekiarides is the Chief Executive Officer & co-founder of Attestiv. He has spent the past 20+ years in enterprise IT and cloud, as a CEO & entrepreneur, bringing innovative new technologies to market. His previous startup, TwinStrata, an innovative cloud storage company where he pioneered cloud-integrated storage for the enterprise, was acquired by EMC in 2014. Before that, he brought to market the industry’s first storage virtualization appliance for StorageApps, a company later acquired by HP.

Nicos holds 6 technology patents in storage, networking and cloud technology and has published numerous articles on new technologies. Nicos is a partner at Mentors Fund, an early-stage venture fund, a mentor at Founder Institute Boston, where he coaches first-time entrepreneurs, and an advisor to several companies. Nicos holds degrees from MIT and Carnegie Mellon University.

Mark Morley

Mark Morley is the Chief Operating Officer of Attestiv.

He received his formative Data Integrity training at Deloitte. Served as the CFO of Iomega (NYSE), the international manufacturer of Zip storage devices, at the time,  the second fastest-growing public company in the U.S.. He served as the CFO of Encore Computer (NASDAQ) as it grew from Revenue of $2 million to over $200 million. During “Desert Storm”, Mark was required to hold the highest U.S. and NATO clearances.

Mark authored a seminal article on Data Integrity, that was published in the online Wall Street Journal. Additionally, he served as EVP, General Counsel and CFO at Digital Guardian, a high-growth cybersecurity company.

Earlier in his career, he worked at an independent insurance agency, Amica Mutual Insurance Company as a claims representative, and later, was the CEO of the Bermuda captive insurance subsidiary of a NYSE company. Also, he was the president of WorldPath Health, an international healthcare company.