Covéa 计划如何通过检测欺诈性保险单节省 100 万英镑
公司规模
Large Corporate
地区
- Europe
国家
- United Kingdom
产品
- Seldon Deploy
技术栈
- Python
- Kubeflow
- Artificial Intelligence
- Machine Learning
实施规模
- Enterprise-wide Deployment
影响指标
- Cost Savings
- Customer Satisfaction
技术
- 分析与建模 - 机器学习
- 应用基础设施与中间件 - API 集成与管理
适用行业
- 金融与保险
适用功能
- 商业运营
用例
- 欺诈识别
服务
- 数据科学服务
关于客户
Covéa Insurance Plc 是法国领先的互助保险集团 Covéa 的英国承保业务。该公司凭借其标准普尔 A+ 稳定评级提供商业、汽车、高净值、财产和保护保险。Covéa Insurance 为 200 万保单持有人提供服务，并在 2020 年产生了超过 7.257 亿英镑的保费。他们的目标是成为业内最先进的 AI 工厂，并通过效率和个性化为客户和合作伙伴创造价值。
挑战
Covéa Insurance Plc 是法国领先互助保险集团 Covéa 的英国承保公司，为 200 万保单持有人提供服务，2020 年的保费收入超过 7.257 亿英镑。该公司正面临着保险欺诈的重大挑战，保险欺诈每年给保险业造成超过 10 亿英镑的损失。他们面临的最复杂、最难发现的欺诈类型之一是幽灵经纪。这是指中间人使用虚假或偷来的信息为客户购买保单以降低保费。如果发生索赔，这些保单是合法的，Covéa 将不得不赔偿。由于 Covéa 主要是一家承保公司，他们通常不直接与保单持有人打交道，因此他们可用于检测欺诈的数据较少。呼叫处理团队每天要手动搜索和检查超过 200 万份新报价。这个规模实在太大，无法在有效的时间内处理。
解决方案
Tom 和他在 Covéa 的数据科学团队开发了一种针对幽灵经纪保单的解决方案，利用人工智能 (AI) 的功能和“人工监控”系统来发现欺诈活动模式。他们需要快速建立 ML 管道。他们拥有内部 Python 和 Kubeflow 技能。他们需要能够快速部署模型，最重要的是，他们必须能够解释他们的模型为满足金融服务领域高标准的监管合规性而做出的决策。经过多次试验和概念验证后，Tom 选择 Seldon Deploy 作为其团队的模型服务和可解释性工具。这些模型由仅四人的团队使用 Seldon Deploy 投入生产。这些模型能够推荐 1,000 多项现有保单供保单验证团队审查。
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