Steve Jackson

Head of financial crime

Covéa Insurance

Following more than 22 years service as a police officer, Steve has spent over 17 years working in counter-fraud. As Head of Financial Crime for Covéa Insurance, Steve leads the development of Covéa Insurance’s internal and external counter-fraud strategy, encompassing both claims and underwriting fraud.

Steve was appointed as Chair of the Insurance Fraud Investigators Group in December 2016, which has the overall objective of supporting the fraud investigation community by providing a platform to share knowledge, expertise and intelligence together with accredited training.

Prior to joining Covéa Insurance, Steve held senior fraud management roles with Equity Insurance and Zurich Insurance together with specialist investigation roles with Cunningham Lindsey and Capita Insurance Services. From 2008-2011

Steve also chaired the North West Fraud Forum, which had the objective of sharing counter-fraud advice between local businesses and public authorities within the region and now also works as an Independent Consultant.

Ben Fletcher


Insurance Fraud Bureau

As Director of the Insurance Fraud Bureau (IFB), Ben Fletcher leads the insurance industry’s collective fight against organised fraud.

With unrivalled access to industry data and a sophisticated analytics platform that can identify industry-wide fraud trends and patterns, the IFB holds a unique position. In 2017 the IFB celebrated its landmark 500th conviction, since being set up back in 2006.

Ben also sits on the Insurance Fraud Enforcement Department’s Steering Group; the ABI’s Financial Crime Committee and chairs the Insurance Fraud Register Steering Board.

Prior to joining the IFB in 2007, Ben worked in a variety of counter-fraud roles within the insurance industry setting up and managing fraud teams.


John Beadle

Head of Financial Crime and Fraud & Chairman of General Insurance Fraud Committee IFB


John Beadle is the Head of Counter Fraud and Financial Crime at RSA Insurance UK, where he is responsible for developing RSA’s Financial Crime and Counter Fraud strategy across the business ensuring the delivery of supporting controls and processes to manage the risk. After a successful career in the Metropolitan Police, he retired in 1997 as a Detective Superintendent in the Serious and Organised Crime Department at New Scotland Yard.  He was then appointed a director of a large publicly quoted security company before leaving to join Royal & SunAlliance in 2000.  After more than 19 years in his current post, he is regarded as one of the industry’s leading authorities on counter-insurance fraud strategies.  He continues to be extensively involved in cross-market initiatives in the UK, being the current Chair of the ABI General Insurance Fraud Committee (GIFC), which sets the cross-industry fraud strategy and previously served as the Chair of the Insurance Fraud Bureau (IFB), from its inception in 2006 until 2010 and the Police Insurance Fraud Enforcement Department (IFED) Management Board.  In 2010 he was presented with The ‘Special Achievement’ Award at the Insurance Industry Fraud Awards in recognition of his “outstanding contribution to prevention and detection of insurance fraud”.    

David Williams

Technical Director

AXA Insurance

David has over 30 years’ experience in General Insurance, roles including Chief Commercial Underwriter at one of AXA’s largest branches, Reinsurance Manager, Casualty Insurance Manager, Managing Director Claims and Managing Director Underwriting

Actively involved in the Government and ABI responses to the ‘Liability Crisis’ way back just after the Access to Justice Act, he continues his lobbying work as the insurance industry looks to remove unnecessary costs and delay from the current adversarial compensation process. He is an outspoken critic of Claims Farming, Credit Hire, High Legal Costs and exaggerated Whiplash Claims.

David leads AXA’s work on Connected & Autonomous Vehicles, including work with 5 Government backed Consortia (including Venture, UK Autodrive, & Flourish) and is Chair of the ABI Autonomous Driving Insurance Group. He also Chairs RISCAuthority, the CII Underwriting Faculty, is a Board Member of the Fire Protection Association, and is a Non-Exec Director of AXA Assistance UK.

Tom Gardiner

Head of Fraud & Recoveries (UKGI)


Tom is responsible for Customer Fraud across all of our UKGI products – incl sales, underwriting and claims . His role includes setting fraud strategy and direction, defining best practice, leading strategic change and delivering new initiatives, and working closely with the market to achieve to improve the industry’s fraud capability. He is also responsible for Recoveries across UK GI Claims.

Before that, Tom was Head of Loss Prevention, with responsibility for Claims fraud, 1st Line Risk management, governance and assurance across UK & Ireland GI Claims.

Previously, Tom spent 9 years in operational roles leading property, motor and casualty Claims centres in various locations across the UK.

Julia Walker-Smith

Associate Director, Fraud

BGL Group

Julia Walker-Smith is passionate about protecting genuine insurance customers by preventing fraudsters from holding policies with BGL’s own brands and those of its partners. Through the use of art and science, Julia has significantly reduced the level of application fraud at BGL – all part and parcel of BGL providing distinctly different distribution to its insurers.

A marketeer at heart, Julia joined BGL 10 years ago and since then has had a number of marketing roles including product responsibility for BGL’s own brands Budget Insurance and Dial Direct. Julia recently moved away from marketing and now uses her many years of insurance experience to fulfil risk and portfolio management responsibilities, as well as being a member of the Insurance and Aggregation Executive – hence her focus on fraud.

Julia started her career at Royal Insurance working in both personal and commercial lines. Prior to joining BGL, Julia led MORE TH>N Business – the early days of online insurance for small businesses – and before that that she sat on the RSA Commercial Leadership team as head of B2B Marketing.

James Burge

Fraud Manager

Allianz Insurance

James has worked at Allianz Insurance for the past 18 years across a variety of commercial underwriting and operational roles.  He is responsible for leading the development of the application fraud strategy, managing both the application fraud intelligence & investigations teams and ensuring protection of the Allianz portfolios through the effective implementation and use of market leading application fraud tools and processes.

Matthew Maxwell-Scott


Access to Justice

Matthew is a director of Access to Justice, which is campaigning to bring about fairer and more effective personal injury reforms which will tackle fraud and high insurance costs while maintain the rights of the genuinely injured. He is also government relations lead at the Slater and Gordon Group, before which he worked as a professional speechwriter at the BBC, RSA Insurance plc and at the CBI. A former local authority councillor, he has also run for parliament twice and is a director of the Abbotsford Trust.


David Clements

Investigations Manager


David has worked in a variety of counter-fraud roles including fraud handler, field investigator and investigations manager. As well as managing Zurich’s intelligence team and fraud data projects, he has a keen interest in all areas of fraud governance and regulation, having led their response to professional enablers, GDPR compliance in fraud and other relevant topics.

Dr Charlotte Duke


London Economics and LE Europe

Dr Charlotte Duke is one of Europe’s leading behavioural economists. Charlotte advises private and public sector clients internationally on how behavioural insights can change consumer behaviour. She works across the retail finance, energy, legal, environmental, telecoms and health sectors. Her work helps to improve consumer understanding, choice and behaviours to drive business outcomes and protect consumers.

Ashley Hart

Head of Special Projects & Fraud


Ashley has been with TSB since 2016 and one of his responsibilities is leading on engagement with law enforcement to combat fraud. He works alongside forces across the length and breadth of the UK, as well as national bodies, to bring fraudsters to justice.

Prior to his move to TSB, Ashley held various senior management roles at the Financial Ombudsman Service, where he led on the response to the PPI mis-selling scandal.

Ashley is a qualified Barrister, and holds an LL.B and LL.M from the University of Lancaster. He is a Member of the Institute of Leadership and Management, and holds various voluntary positions both in and out of financial services.”

Sara Costantini


CRIF Decision Solutions Ltd

After graduating in Computer Science from "La Sapienza" University of Rome, and early experience in IT projects as a programmer, she has gained extensive international experience in project and team management. She joined CRIF in 2000 and has been working in the UK insurance industry since 2002. She was appointed Director of CRIF Decision Solutions Ltd., part of the CRIF Group, in 2011.

Peter Horton


Digilog UK Ltd

Peter was one of the founding members of the Direct Line Claims Dept and a founding Director of Churchill Insurance . When RBS bought Churchill he became MD of the combined Assistance Division with 8000 people . He then moved with Liverpool Victoria where with his fellow ABC Team members including John O’roarke and Phil Bunker transformed LV to be the 3rd largest Motor Insurance Company . Now a Director and of Digilog and COO of CVP Ltd .

Lior Koskas

Managing Director

Digilog UK Ltd


Lior has a wealth of knowledge pertaining to risk screening and investigative practices, having played a key role in the development and deployment of Voice Risk Analysis (VRA) technology, and Narrative Integrity Analysis (NIA) in association with Cognitive interviewing techniques, with more than 20 years of military, security and private (financial services) experience.

He has worked on a wide range of international assignments and high profile fraud and criminal cases with a variety of corporate and public bodies, including police and security services in the UK, US, EU, China, Singapore  and South America.

In 2011, Lior was appointed as Managing Director of Digilog UK, the world's leading provider of integrated risk-reduction solutions for validating integrity within conversation-based transactions such as Applications, Claims, Customer Disputed Transactions and Investigative Interviews.

Lior played a key role in identifying and bringing together the major partners who have assisted in Digilog’s rapid growth into the varying markets and has been responsible for overseeing the growth of the company's client base to more than 15 major Financial Services companies across the UK, as well as the expansion of Digilog into South America and Europe. 

Lior completed the Postgraduate Fraud Management Course offered by Liverpool University.


Tony Martin


Right Choice Insurance Brokers

Tony has 33 years experience in the Personal Lines market primarily in broking including 17 years at Aon. He pioneered the use of Voice Risk Analysis technology in his own business for 5 years which focussed on underwriting young drivers. Now Commercial Director at Right Choice Insurance Broker the technology helps detect potentially dishonest motor insurance customers at the point of quotation.  

Charlotte Gray

Assistant Claims Manager


Charlotte is 27 and has worked in the insurance industry for 10 years. She began her career at RBS in Incident Management, then moved to Liability, Personal Injury, and progressed to a Senior Investigator leading training academies for new starters. In 2015, she joined QBE as a Fraud Analyst in the Special Investigations Unit, responsible for managing and enhancing fraud detection using automated intelligence systems. Charlotte worked heavily within a claims Analytic project prior to being promoted to Assistant Claims Manager; she now has a team in Leeds and a team in Chelmsford. Her team utilise industry and supplier intelligence in order to tackle potentially fraudulent claims across many lines of business, ranging from motor/casualty claims to marine, energy and professional indemnity claims throughout Europe. She has a passion for the prevention and detection of fraudulent activity and thoroughly enjoys her job, alongside the people she works with.

Mike Richards

Fraud Coordinator


Mike Richards has worked as a Fraud Coordinator at Zurich for the past 5 years. He won POST’s Young Investigator of the Year in 2017 and is passionate about a career in counter fraud.

Alastair Poole

Claims Fraud Intelligence Analyst


Alastair is 28 and has been working at Aviva for 10 years. He moved to the fraud area in October 2013 joining Aviva’s Claim Fraud Intelligence Team (CFIT) as an organised fraud analyst. His role is to detect and investigate organised claims fraud across motor, casualty and household products in order to identify fraudulent claims and new fraud trends. In 2017 he became the Deputy Manager of the Intelligence Team and in 2018 made the shortlist for the Insurance Fraud Awards in the Young Fraud Investigator of the Year category

Holly Swann-Catlow

Shortest Path Training Limited

i2 Software Trainer

Holly trains analysts, investigators, and other intelligence practitioners to use IBM i2 software; including i2 Analyst’s Notebook and iBase. The software is used by organisations around the world to help tackle fraud and other criminality. She has been with Shortest Path Training since January 2016.

She previously worked for law enforcement and a government regulator in their intelligence departments where she utilised the i2 software.

Holly is about to complete a diploma in Learning Facilitation with the Training Accreditation Program (TAP) – QA.  

Osman Khurshid

Predictive Analytics Sales Manager

Synectics Solutions

Osman is responsible for developing Synectics’ data science and predictive modelling portfolio and is a fundamental driver for the development of Precision; a suite of predictive analytics services that enable businesses to significantly improve their ability to identify and prioritise fraud as well as improve the customer experience. 

Osman has worked with Tier 1 banks and leading insurers to help them tailor and deploy predictive analytics solutions that help them meet their business challenges effectively.