ForMotiv Fraud & Forensics Solutions
In Part 1 | ForMotiv Agent for Underwriters, we explored how underwriting teams are using our solutions to spot gaming and misrepresentation. In Part 2, we shift our focus to Agent Fraud & SIU teams — and how they use behavioral data to detect nefarious agents, uncover coordinated fraud, and prevent losses before they occur.
Agent fraud doesn’t always look like fraud — until it does. And by then, it’s too late. We help you identify and act on fraud before it becomes a problem by focusing on the application itself.
Here are some of the high-risk agent behaviors ForMotiv flags in real time:
Identify High-Risk & High-Priority Agents
- Quickly spot suspicious agent activity, prioritize sessions for triage, or flag accounts for deeper investigation — either live or offline.
Recognize Account Takeovers
- Uncover signs of unauthorized access, like unexpected login locations, unusual access times, or erratic quoting behavior. Stop credential misuse before it spreads.
Expose Ghost Brokers
- Identify suspicious patterns that suggest ghost brokering activity, including agents submitting high volumes of applications with inconsistent customer data, using repeat devices across multiple identities, or exhibiting abnormal quoting behavior across regions and IP addresses. Catch third-party actors exploiting your platform under seemingly valid credentials.
Monitor Device & Access Intelligence
- Track device IDs, browser fingerprints, IP addresses, and geolocation data to detect patterns of ghostwriting, credential sharing, or outsourced activity.
Detect Clean-Sheeting Behavior
- Spot applications that are too clean to be true. Look for repeated “no” answers on risk questions, ultra-fast completion of health forms, or over-sanitized data input that signals misrepresentation.
Bypass Eligibility Kickouts
- Catch agents who modify disqualifying answers after being kicked out of the app — a tactic known as “kickout/rewalk.” These edits often hide true risk and increase exposure.
Search Any Agent or Agency
- Instantly access detailed behavioral metrics — including quote/bind ratios, session counts, and state-level performance — to compare agents across your distribution channel.
→ Why it matters: Your fraud team can’t afford to chase ghosts. With ForMotiv, you don’t have to. Check out a full list of our ForMotiv Agent Fraud capabilities here.
Get real-time visibility into the behavioral intent behind each agent and application — and the tools to investigate, flag, and stop it before it’s a problem. When you need to make fast, informed decisions about your agent population, you need data that goes deeper than production numbers.
Interested?
Schedule a demo to see how ForMotiv Agent can help you better understand agent behavior.
And tune in next week, where we’ll review how Distribution and Agent Management teams are leveraging ForMotiv’s behavioral insights and analytics to measure performance and benchmark agents and agencies.
