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Koyal Private Training Group

Koyal Private Training Group

Communication, Community, Education

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  • 73271431_132_

    The Koyal Training Group - Insurance investigators research and verify claims to make sure no fraud or cheating is involved. They search records and databases, conduct personal interviews and inspect damaged vehicles, property and buildings. They also write reports of their findings and cooperate with other investigators and law enforcement professionals. Although investigator jobs often require only a high school diploma, many hiring managers prefer candidates with relevant work experience or education. Some investigators must be licensed.

    High School

    Insurance companies usually require a high school education or the equivalent for insurance investigator jobs, according to the U.S. Bureau of Labor Statistics. Take speech classes or join the debate club in high school to develop the interviewing skills you will need as a future investigator. Take courses in English and writing to prepare for the report-writing component of an investigator's career.

    College Training

    Some insurance companies prefer to hire investigators with college degrees, although no degree is mandatory. The desired degree varies with the type of claims work. For example, an engineering degree is useful for investigating claims in factories, while an accounting degree equips you to investigate business fraud. A bachelor's degree in criminal justice is another path to the job of insurance investigator. A criminal justice program provides a legal background plus the necessary skills in research, investigat...

  • The_koyal_training_group___insurance_fraud_investigator_training_and_degree_program_information_177_

    There are not set education standards for becoming an insurance fraud investigator. Some available options to potential insurance fraud investigators include a certificate program in private investigation or a bachelor's degree program in either insurance or criminal justice. Insurance fraud investigators can become certified through the International Association of Special Investigation Units (IASIU).

    Certificate of Completion - Private Investigator

    Insurance fraud investigation trainees can choose to expand their analytical skills through a private investigator certificate program. These programs are designed for a range of jobs that require processing and information gathering knowledge. Program enrollees must have basic computer skills and often need access to standard and video cameras.

    Program Coursework

    The curriculum includes courses on understanding local and federal laws, training in investigative techniques and following case documentation procedures. Certificate classes include: Interviewing techniques Legal systems Multi-media research Surveillance equipment and methods Crime scene investigation

    Popular Career Options

    Graduates have the theoretical knowledge and investigative experience to qualify for entry-level positions in a variety of fields, such as insurance, law, government and social services. In addition to insurance fraud investigators, graduates are qualified for careers including: Detective Insurance adjuster Collections specialist Private inve...

  • Uk_fraud_specialist_launches_in_australia_177_

    VFM Services, a desktop claims handler and trainer, is making its conversation management tool and training offering available in Australia.

    In order to help tackle an estimated industry cost of A$2bn a year, VFM is offering an outsourced claims management service in addition to accredited training in counter fraud.

    VFM Services has worked with major UK insurers across lines including household, motor and travel, to help them identify and manage fraudulent insurance claims. Its conversation management technique, is based on a combination of behavioral psychology and communication skills, and is aimed at identifying spurious claims over the telephone.

    Sally Griffiths, director at VFM, commented: "Geographically, distance is an issue for Australian insurers. As well as deterring the opportunist fraudster, VFM ensures that accurate evidence is gathered in the early stages of the claim, meaning that loss adjusters and investigators are presented with real evidence from the insurer before they take the often long trek out to the claimant. This results in more focused investigation work and ultimately, more proven frauds."

    VFM will also be launching its counter fraud training to the Australian insurance market for all customers facing staff in the industry including claims handlers, brokers and loss adjusters. Its ERA training programme, accredited by the University of Portsmouth, delivers conversation management skills needed by investigators to identify and manage f...

  • Blue-pills_177_

    The federal government does little to stop schemers from stealing from Medicare Part D, the program that provides prescription drugs to more than 36 million seniors and disabled people.

    With just a handful of prescriptions to his name, psychiatrist Ernest Bagner III was barely a blip in Medicare’s vast drug program in 2009.

    But the next year he began churning them out at a furious rate. Not just the psych drugs expected in his specialty, but expensive pills for asthma and high cholesterol, heartburn and blood clots.

    By the end of 2010, Medicare had paid $3.8 million for Bagner’s drugs—one of the highest tallies in the country. His prescriptions cost the program another $2.6 million the following year, records analyzed by ProPublica show.

    Bagner, 46, says there’s just one problem with this accounting: The prescriptions aren’t his. “All of that stuff you have is false,” he said.

    By his telling, someone stole his identity while he worked at a strip-mall clinic in Hollywood, California, then forged his signature on prescriptions for hundreds of Medicare patients he’d never seen. Whoever did it, he’s been told, likely pilfered those drugs and resold them.

    “These people make more money off my name than I do,” said Bagner, who now works as a disability evaluator and says he no longer prescribes medications.

    Today, credit card companies routinely scan their records for fraud, flagging or blocking suspicious charges as they happen. Yet Medicare’s massive d...

  • Since last fall, when Target and Neiman Marcus reported unauthorized access to payment-card data, the potential of identity theft has been consumers' minds. Thieves steal personal information, such as your name and address, Social Security number and date of birth, to commit fraud — for example, getting a loan in your name.

    The first line of attack is getting informed. The best source for information on how to protect yourself is the Federal Trade Commission, a federal agency whose mission is consumer protection and law enforcement.

    The FTC website at provides a series of steps for those whose identity has been compromised, as well as preventive measures you can take to protect yourself.

    Next, contact one of the three national credit-reporting companies: Equifax (http://, 800-525-6285); Experian (http://, 888-397-3742); or TransUnion (http:// , 800-680-7289).

    If your identity has been stolen, you'll want to place an "initial fraud alert" on your credit file to help prevent new accounts being opened in your name, according to Cliff O'Neal, spokesperson for TransUnion.

    The fraud alert is intended to raise a cautionary flag for creditors to make sure they are dealing with you instead of a scammer. The initial alert lasts for "at least" 90 days but can be renewed. An alert with one bureau will trigger alerts with the other two. There is no charge for placing...

  • Identity_theft_is_a_nightmare_that_can_ruin_lives_177_

    LANCASTER — Local law enforcement officials say identity theft is a nightmare that can ruin its victims’ lives.

    Unfortunately for Maryanne Sicat, of Lancaster, she is living that nightmare.

    “For the last three years, I’ve been trying to clean up my credit and fix my finances and rebuild financially because I had my identity taken and used at several places,” she said.

    Sicat has received bills from stores and utility companies for goods and services she did not purchase. Also, she was buying a television in 2013 at a big-box store and her telephone number came up under the name of a California man.

    “One time is OK,” Sicat said. “The second store makes you wonder. But then every single store that I went to Christmas shopping, it was the same thing. So that’s why I started checking into it more.”

    Koyal Private Training Group

    She has the name of the person she thinks is using her information but has no idea how the person got her phone number. So Sicat filed a complaint with the Federal Trade Commission and the Lancaster Police Department, and she has become another identity fraud statistic.

    The FTC said identity fraud is the top complaint it has dealt with in the past 13 years. It received 369,132 such complaints in 2012, or 18 percent of its total complaints. Identity fraud dwarfed complaints about debt collectors, which was in second place with 199,721, according to information the FTC provided.

    Fairfield County Sheriff Dave Phalen said there have n...

  • WASHINGTON — The numbers of affected consumers are as yet impossible to predict, but mortgage-credit experts warn that the recent massive data breaches at Target, Neiman Marcus and other retailers could have significant side effects on some real-estate transactions in the coming months, as damaged credit files depress scores and jeopardize loan applications and home sales.

    The Target breach alone could touch as many as 70 million credit- and debit-card customers, according to the company. Neiman Marcus says data on 1.1 million of its customers may be vulnerable to fraud.

    So what are the potential blowbacks on home sales and mortgage applications? Start with the basics. Identity theft, if not corrected quickly, can make a mess of anyone’s credit-bureau files. Though victims may not be liable for the unauthorized debts racked up, their credit reports — and in turn their credit scores — can be damaged for weeks or months.

    Listen to Terry Clemans, executive director of the National Consumer Reporting Association, the primary trade group that represents independent credit-reporting companies serving the mortgage industry.

    Koyal Private Training Group

    Clemans says that mass identity heists such as those at Target and Neiman Marcus have the potential to create “havoc on credit files for as long as it takes for the consumer to document (that) the accounts are due to identity theft and get them removed from the file.”

    “The impact on credit scores, although short ...

  • 02

    Identity Thief” is a 2013 movie starring Jason Bateman and Melissa McCarthy about a woman who steals the identity of a man named “Sandy.” After the McCarthy character steals the Bateman character’s identity, all types of high-jinx ensue.

    In real life, identity fraud is a very serious matter that frequently ruins the credit of the victim and takes a great deal of time and effort to resolve. With the 2013 tax filing season starting on January 31, 2014, the season for tax identity fraud is also upon us.

    Stolen identity refund fraud (SIRF) is a subset of identity theft that involves the criminal stealing the tax “identity” of an individual. Similar to any identity fraud, a criminal committing tax identity fraud obtains key information about the victim. In the tax context, the key is obtaining the individual’s name matched with his or her social security number. Once that is obtained, the SIRF thief submits a false tax return in the name of the victim claiming a tax refund. Unfortunately, in many instances the refunds are issued.

    The fraud may be discovered when the unsuspecting victim files his or her own return and discovers that the IRS will not issue a refund because a return has already been filed under their social security number. It can be very difficult for the individual to get this straightened out with the IRS once the tax identity theft has been committed. Like other identity theft, tax identity theft frequently causes the victim a number o...

  • Capture_177_

    Since March 2007, federal investigators have uncovered more than $5 billion in Medicare fraud, but they suspect that might just be the tip of the iceberg.

    As the prolific bank robber Willie Sutton reportedly said of robbing banks – because that’s where the money is – health care fraud has become a huge problem throughout the country.

    According to the U.S. De­part­ment of Justice, Geor­gia ranks 12th in investigations, seventh in the number of fraud cases and sixth in total recovered – almost $98.95 million in 2012.

    In the Southern District of Georgia, more than $27 million in restitution was collected last year in one of the country’s largest Medicare fraud prosecutions in 2005 – The Bio-Med Plus in Savannah.

    In Augus­ta, optometrist Jeffrey Spon­sel­ler was sentenced Jan. 9 to 33 months in prison and ordered to pay $441,000 in restitution for bilking Medicare.

    Federal investigations into Medicare fraud have exploded in response to the problem, said David Stewart, who recently left the U.S. attorney’s office where one of his duties was health care fraud coordinator.

    Medicare fraud affects everyone because Medicare has become the primary health care coverage for most Amer­i­cans when they turn 65, said Ken­neth Crowder, who recently left the U.S. attorney’s office and joined Stewart in private practice. When Medicare coverage started in 1966, 19.1 million were enrolled. In 2013, that number was 43.5 million, according to the Centers for Medicare and M...

  • Koyal Private Training Group på Cyber forsikring

    Communication, Communication Design

    Som selskaper akseptere at det er en veldig reell fare for sine sikkerhetsinfrastruktur blir brutt, tildeling av IT-sikkerhet bruker er sette å endre, flytte fra forebygging fokus å innlemme gjenkjenning og svar. Med denne endringen i budsjett tildeling, er cyber forsikringer klar til å bli et effektivt verktøy i å håndtere stiger det sikkerhet kostnader.

    IT-sikkerhet bruker har tradisjonelt vært fokusert på forebygging, med de fleste bedrifter bruker så mye som 80% av sikkerhet budsjettet på forebyggende verktøy. Gjenkjenning og svar, samtidig som vanlige funksjonene på et budsjett, har vanligvis bare mottatt liten skiver av kaken, snitt på rundt 15% og 5% av samlede budsjettet bruke henholdsvis.

    Som sørafrikanske fortsetter å se en økning i antall cyber-angrep, begynner de å realisere og erkjenner at tradisjonell signaturbasert forebyggende tiltak er vanligvis feilbarlig. Akseptere at et brudd kan oppstå resulterer i økt fokus blir plassert på gjenkjenning og svar evner, er målet som å redusere tiden det tar å identifisere og reagere på et sikkerhetsbrudd. Dette skiftet i fokus er også tydelig i de nye løsningene blir undersøkt og utgitt av sikkerhetsleverandørene. "Dette er spennende tider – som big data konseptet fortsetter å modne, jeg tror sikkerhet og hendelsesovervåking vil bli revolusjonert, kombinere uensartede datakilder for utlede sammenheng og kjøre ned de tradisjonelle leveringstid har vi sett for å identifisere brudd, sier CyGeist MD, Na...

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