Insurance fraud is never simple, but once borders are crossed, the complexity multiplies like wildfire. You’re not just investigating a claim; you’re decoding a maze of jurisdictions, privacy laws, data mismatches, and cultural blind spots. Fraud moves fast. International fraud moves smarter. And unless you’re equipped with the right tools, relationships, and know-how, it will slip right through your fingers.
At Diligence International Group, we’ve spent years unmasking fraudulent activity that didn’t stop at the county line. We’ve followed falsified claims across oceans, exposed identity-layering schemes in high-net-worth coverage, and helped global carriers spot red flags before they turn into six-figure settlements. If you’re handling international underwriting, claims, or litigation, this is what you’re up against.
The Problem Isn’t Just the Lie, It’s Where the Lie Lives
One of the trickiest parts of investigating global insurance fraud is that the truth itself behaves differently across countries. A criminal record in one place might be sealed in another. A property that looks abandoned on paper may actually be someone’s second home. A tax return might be public in one jurisdiction and completely off-limits in another.
For example, try verifying income on a claim from a region where records are still largely handwritten. Or attempt to confirm the policyholder’s residency in a country with 5 regional registries and no centralized database. We’ve seen it all. And we’ve developed strategies for reading between the lines, even when the lines themselves are blurred.
Laws Don’t Line Up, But Criminals Do
While legitimate insurers are stuck untangling compliance with GDPR, CCPA, POPIA, and dozens of other overlapping frameworks, fraudsters aren’t so encumbered. They don’t play by the rules. That gives them a huge head start, unless you’re partnered with a team that knows where legal constraints bend and where they break.
We’ve built a network of trusted international partners who help us lawfully access, validate, and cross-reference data in even the most privacy-conscious regions. We know which jurisdictions are opaque and which ones just look that way. This global intelligence network is what gives our clients in global investigations a real edge and keeps fraud from slipping through the cracks.
Tech Promises Speed, But Not Always Clarity
Yes, predictive analytics and AI can flag outliers and spot patterns, but when you’re working across borders, clean data is hard to come by. Mismatched address formats, inconsistent ID standards, and language variations wreak havoc on even the most sophisticated algorithms.
We’ve had cases where automated systems failed to catch a repeat offender because their name was spelled slightly differently across three countries. A human wouldn’t have missed it. A human backed by global investigative software certainly wouldn’t have.
At Diligence, we blend forensic technology with seasoned investigative instincts. That balance matters because the trail is rarely straightforward, and fraudsters don’t care about formatting.
Collaboration Is Key, But Not Always Practiced
When companies and countries don’t share relevant information, fraud rings thrive in the gaps.
Our role is often to build those bridges. We act as the connective tissue between underwriters, brokers, claims examiners, and law enforcement across regions and time zones. We’ve coordinated cross-border interviews and translated regulatory language so everyone’s working from the same playbook.
It’s not about breaking rules. It’s about knowing how to work effectively within them.
The Diligence Difference
At Diligence International Group, we take pride in accomplishing international investigations smoothly and efficiently. We operate with in-country investigators around the world who have an intimate knowledge of the local region, its culture, and how to ethically operate within the region’s laws.
Our international investigators have the expertise in international customs and policies to effortlessly and ethically garner the information you may need to validate an international claim and shed light on the questions you have.
Since our investigators operate as in-person boots on the ground, we achieve a greater success rate than other investigative firms. From validating a foreign death claim to obtaining medical records, our team has the experience to handle any and all complex foreign investigations.
Trust us as your go-to firm for global answers.
Fraudsters Are Global. Your Defenses Should Be Too, With Diligence International Group
These days, fraudsters are as organized as the companies they’re targeting. We’ve unraveled falsified claims routed through three different insurance carriers across two continents. They exploit the gaps. The loopholes. The fact that most investigators stop at national borders is concerning.
At Diligence International Group, we don’t stop. Our international fraud investigations are driven by experience, powered by technology, and guided by legal fluency. Whether it’s a suspicious foreign death claim, documentation that doesn’t match local infrastructure, or a pattern of behavior that points to organized fraud, we know where to look, how to ask, and what to uncover.
If you suspect a claim isn’t what it seems, or if you simply want to shore up your international underwriting strategy before the next big risk hits, we’re here to help.
Contact us today to learn more about our services.