Detect risk, eliminate fraud, secure compliance

Software platform

FRISS® has 100% focus and dedication to fraud detection and risk mitigation for P&C insurance companies worldwide. FRISS® helps insurers to improve their combined ratio in order to achieve profitable portfolio growth and enhance the perception in the market as a trustworthy insurer. FRISS® believes in honest and fair insurance premiums, for everyone.

Ready-to-use business solution

FRISS® is live within 6 months and has a ROI within 12 months, due to the experience with 130+ worldwide implementations at insurers. Customer specific configuration is the main part. Rather than general purpose analytic software or homegrown systems that have to be built from scratch, FRISS® is largely prebuilt and therefore a ready-to-use business solution.


FRISS® Score


As a proven standard the FRISS® Score enables better decisions. It is the core of the solutions and indicates the risk for each quotation, policy or claim. FRISS® cares for its customer before, during and after implementation. The FRISS® Learning Cycle supports a journey of continuous improvement to stay ahead in dynamic times and to sustain for the future.

Latest thinking

The 5 most viewed articles, blogs and videos

FRISS Raises €15 Million in Series A Funding

FRISS announced that it has closed a €15 Million Series A funding. The investment is led by Aquiline Technology Growth (ATG) and Blackfin Capital Partners, two companies with deep expertise in insurance and technology.


[ebook] – The Biggest Fraud Challenges for Insurance Companies

This ebook answers insurers' biggest challenges in effectively responding to fraud. Learn about the success factors and how to avoid pitfalls.


Creating a Fraud Fighting Culture

Sometimes we see big differences in results between our customers and that's strange: they all use our software solution. So today we visit our CCO Marc Mulder and we hope he has an explanation for this.

The latest insights on fraud, risk & compliance: 'fresh from the FRISS Lab'
FRISS Lab #11

How The GDPR Affects Insurers

The upcoming GDPR is hot. But what exactly does it mean for insurance companies? We're meeting with privacy specialists Sander van de Molen and Michel Gielbert from SmartMirrors.

FRISS Lab #10

Creating a Fraud Fighting Culture

Sometimes we see big differences in results between our customers and that's strange: they all use our software solution. So today we visit our CCO Marc Mulder and we hope he has an explanation for this.

FRISS Lab #9

Common Sense Project Management for Insurance

How do insurers implement a software project successfully? We ask Ralf van der Eerden, COO at FRISS. He knows everything about project management and believes in ‘Common Sense Project Management’.

The latest developments across the P&C insurance industry regarding fraud, risk and compliance.
17 January 2018

“Contribute Globally to Honest and Affordable Insurance for Everyone”

Interview with FRISS CEO Jeroen Morrenhof who has led the company in growing the FRISS Score to be the insurance standard for risk management and fraud detection in Europe. What will be the next steps in becoming the global standard in this field?

01 January 2018

Fighting Insurance Fraud a Priority in 2018?

As the awareness for insurance fraud detection and prevention is growing, 2018 might be the time to start in order not to fall behind.

12 December 2017

FRISS Raises €15 Million in Series A Funding

FRISS announced that it has closed a €15 Million Series A funding. The investment is led by Aquiline Technology Growth (ATG) and Blackfin Capital Partners, two companies with deep expertise in insurance and technology.

The latest thinking and expert insights into the insurance industry.
13 February 2018

How Nudges Reduce Insurance Fraud: Small Changes Make a Difference

Evie Monnington-Taylor is a Senior Advisor at the Behavioural Insights Team (BIT), working on international programs for the ‘nudge unit’. This blog is based on her talk at FRAUDtalks Conference 2017, where she advocated the effect of small changes to stimulate honest behavior.

31 January 2018

Solving and Preventing Your Own Damage Claims: The Holy Grail?

Insurers are working hard at matters such as customer engagement and straight through processing (STP). In this blog, several methods insurers currently adopt to achieve self-processing of damage claims are being discussed.

22 January 2018
  |  Udo Oelen

Protection of Personal Data to Become Even Stricter

From 25 May 2018 the new General Data Protection Regulation (GDPR) will come into force. Udo Oelen of the Dutch Data Protection Authority takes stock of what the implications of this new European regulation are for the insurance industry.

[ebook] – How to Successfully Align my Organization?

Starting a project for an automated insurance fraud detection system. This ebook is for insurance professionals that acknowledge fraud and high risks are a challenge for your organization. It helps you with an approach on why, how and when you can get the various stakeholders on board in order to make your anti-fraud project a success.

[whitepaper] – How To Get Continuous Value From Your IT Systems

The time where projects were easy to define and execute are long gone. Nowadays, software implementations often stretch over years and involve a great number of stakeholders. Hence: the Value Cycle Methodology.

[ebook] – The Biggest Fraud Challenges for Insurance Companies

This ebook answers insurers' biggest challenges in effectively responding to fraud. Learn about the success factors and how to avoid pitfalls.

As a thought leader, FRISS is sharing its expert knowledge on various stages worldwide.

16th Annual Insurance-Canada Technology Conference

FRISS will be speaking at the conference. ”AI2 Powered Fraud Analytics: Artificial Intelligence vs Actionable Insights”. 


Webinar: Comparing Insurance Distribution Channels: Online vs Personal = Efficient vs Expensive?

On 22 February we will host our webinar Comparing Insurance Distribution Channels: Online vs Personal = Efficient vs Expensive?


Insurance Innovators Nordics 2018

Over the past 4 years, Insurance Innovators: Nordics has grown into the region’s premier strategic conference for leading insurance professionals.

Our work

All customer stories

Ready-to-use business solutions

Underwriting Risk Assessment

Improve your portfolio value by real-time automated detection and assessment of risks during the underwriting process. It is important to prevent insurance fraud and high risk by having a clear picture of potential customers before they enter your portfolio. The underwriting solution provides an intelligent and objective risk evaluation, which is also useful during the claims process.


Claims Fraud Detection

Reduce your loss ratio by increasing the chances of detecting fraud and limit false positives to a minimum. Use automated fraud detection during the claims process to make an accurate and objective estimation of the risks related to a claim. It improves straight through processing (STP), and claims that need further attention will be recognized directly.


Compliance Screening

Compliance concerns all insurance processes. Gain insight into Ultimate Beneficial Owners (UBOs) and become compliant with the latest legislation and regulations. Knowing and screening your customers will prevent image loss and avoids high penalties. This will enhance the quality of your underwriting process. Furthermore, administrative burdens will be reduced to a minimum.


Get to know us

FRISS is a fast growing company with an ambition that is driven by passion, focus and dedication. At FRISS, we feel comfortable in being different by having confidence in our knowledge and expertise. That is what distinguishes us in serving our customers. We continuously invest in technology, processes and people. This helps us to further develop, sustain and innovate our business.

Our team

We want our employees to feel valuable and acknowledged for everyone’s own unique contribution to our success. Creativity should not only be a way of thinking, but just as much a way of acting, communicating and decision making.

Our workplace

Being open to new thinking or solutions and daring to discover unbeaten tracks. At FRISS, we encourage exceeding limits since it helps us to exceed our company limits.


We are headquartered at Creative Valley, a carbon-neutral office building that is constructed with sustainable materials. The building is able to store both warmth and cold and it is powered by renewable energy. Working from our office helps us to significantly reduce the footprint that daily business imposes on the global environment.

Why we do what we do

At FRISS, we believe in honest and affordable insurance for everyone. Our question for insurance companies: why do your sincere customers have to bear for the risk brought in by others? In the end it is the society that suffers from fraud. Our mission is to strive for a trustworthy insurance industry, healthy insurance portfolios and fair insurance premiums for everybody across the globe.

Jeroen Morrenhof

CEO and Co-Founder

The title entrepreneur defines who I am. My energy is derived from new initiatives and I do not avoid taking risks. I come from a long line of entrepreneurs who have taught me how to think out-of-the-box, to set high goals for myself and to work to realize them. I am constantly searching for new, innovative challenges. My ambition for FRISS is to help all insurers globally in preventing and fighting fraud and become the number one player for fraud, risk and compliance.

Christian van Leeuwen

CTO and Co-Founder

"Innovation is key to the continuing success of any organization”. Within the organisation I am regarded as the thought leader in the field of fraud, risk and compliance. Currently my main responsibility is the Product Strategy. I am therefore leading the Solutions & Innovation Team in adding new solutions and technology on fraud detection techniques and predictive analytics to the product in order to remain successful.

Roos Tji


Wherever I go there is movement or things start to move, in my personal as well as my professional life. My ongoing challenge is to always strive for improvement, by stimulating others and changing the way we work as an organization. This is what motivates and energizes me. I believe in the talents of people and I am thoroughly convinced that these are key to be successful as a company. I am really proud when people discover their talents. The combination of interest, belief and progression defines the person I am and the way I work. Our growth, our people, our product and our ambition: it makes me very proud to to contribute to the success of this company.

Marc Mulder


An energetic and experienced commercial manager, that is always looking for the optimum for all parties, is what I am. I value to be a trustworthy, goal oriented and fun person to work with. Some characteristics I would like to think I have: Serious about what I do, authentic, realistic, goal oriented, loyal, team builder, positive, sense of humor, determined, listener (try to understand) and communicate with the desired effect in mind. It is not that often you come across a company like FRISS and to get the chance to contribute to its success.

Ralf van der Eerden


I'm an enthusiastic, energetic go-getter. Someone who knows where he wants to be, how to get there and how to make that journey.

The way I manage my team is by giving them self control as much as possible. The drive to deliver great results should come from them, and it is my task to support the team in the best possible way. Having fun in what we do is an important factor for a teams' success. Challenging, giving responsibilities and supporting the team for 100% is how I guide my team.

At FRISS I'm challenged on a daily basis to get the maximum out of me and my passion. It is an ideal working environment for people like me.

Cornelia Dolle


My motto is: “you can learn from everyone” and at FRISS I get inspiration every day.

The CFO’s role is to control the organization, but not to limit creativity. System and processes need to be flexible and user-friendly. The only constant factor is change.

I enjoy working together to pursue joint success.

Our partners

We offer our partners the benefits from our platform accompanied by extensive knowledge, expertise and experience within our business area.

FRISS works with strategic and alliance partners around the world.
Join our quest for honest insurance!

Global presence

Serving our customers around the globe. FRISS is the leading expert in the field of fraud, risk & compliance for the insurance industry. We have a unique global footprint with 130+ implementations in over 25 countries.

Industry analysts have recognized FRISS as the market leader concerning fraud and risk solutions for P&C insurance companies. Our aim is to expand this leadership by sustaining our focus and dedication in this field.



Orteliuslaan 15
3528 BA Utrecht
The Netherlands

info@friss.eu +31 30 767 0352


Industry Recognition

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Contact us

Cookie and Privacy Policy

1. Introduction

When you use this website, FRISS may collect information about your use of the website and the content offered. We believe it is important to handle your (personal) data with due care and confidentiality. When processing your personal data, we comply with the General Data Protection Regulation (Algemene Verordening Gegevensbescherming) and Article 11.7a of the Telecommunications Act (Telecommunicatiewet).

1.1.  Controller

The controller of the processing of personal data is:

FRISS Fraudebestrijding B.V.
Orteliuslaan 15
3528 BA

This processing of personal data is registered with the Dutch Data Protection Authority (Autoriteit Persoonsgegevens) in The Hague under reporting number m00004997.

1.2.  Purposes of data processing

There are several places on our website where you can fill in your (personal) data. We will explain the purposes of the various instances of data processing below.

Filling in the contact form or sending an e-mail

If you fill in the contact form on our website or send us an e-mail, we will only use the (personal) data you provide for the purpose or purposes for which you filled in the contact form or sent the e-mail.

Download form

If you download files on our website (such as e-books, whitepapers or reports), we will use the (personal) data you provide for one or more of the following purposes:

  • for the execution of an agreement, for example to send you the e-book, whitepaper or report you have chosen;
  • for the formation of an agreement, for example by contacting you by telephone or in writing.


If you fill in the application form for the newsletter on our website, your (personal) data will be used to send you the newsletter. Each newsletter contains a hyperlink at the bottom of the message that you can use to unsubscribe.

In addition to the personal data you provide to FRISS yourself, FRISS may collect, record and process additional (personal) data if you use the (web) services of FRISS. This concerns the following personal data:

  • data from the used equipment, such as a unique device ID, version of the operating system and settings of the device you use to access a service;
  • information about the use of a service, such as the time at which you use the service and the type of service that is used;
  • location details from your device or derived from your IP address that is provided to us when you use a particular service;
  • data available from external sources. We may receive information about you from public or commercially available sources.

1.3.  Provision of (personal) data to third parties

Your (personal) data will never be provided to third parties without your permission, unless we have an obligation to do so pursuant to legislation or regulations or you have given permission for this.

1.4.  Security of data

FRISS respects your privacy and ensures that personal data are handled confidentially and with the utmost care. All processed (personal) data is stored exclusively in secure databases. These databases are only accessible to employees of FRISS, to the extent that this access is required by virtue of their position. FRISS makes every effort to secure these systems against loss and/or any form of unlawful use or processing.

1.5.  Inspection, correction and deletion of data and the right to object

You can view your data that is processed by FRISS at any time and free of charge and, if you so wish, modify this data or have it deleted. You can also object to receiving information about products, services or content of FRISS. If you wish to make use of one of these options, you can send an e-mail to the Data Protection Officer of FRISS via privacy@friss.eu or write to the following address:

FRISS | fraud, risk & compliance
Attn. Data Protection Officer
Orteliuslaan 15
3528 BA Utrecht.

2. Cookies

When using this website, information about your use of these services and other websites may be collected by or on behalf of FRISS, for example by means of cookies.

A cookie is a small file that is sent along with pages of a website and stored by your browser on the hard disk of your computer. We use cookies to remember settings and preferences. You can disable these cookies via your browser.

2.1.  The purposes for which FRISS uses cookies

On our website we use cookies for the following purposes:

  • for statistical purposes, in order to analyse the use of FRISS websites. This allows us to keep track of the number of visitors and see which parts of our website are popular. We use Google Analytics in order to track and consult these statistics. On this website you can find explanations about all cookies that may be placed by Google;
  • for what is known as ‘targeting’ purposes, if you have used the download form. By targeting we mean building a profile of you based on your surfing behaviour on our website, after which we may contact you by telephone or e-mail based on the interests you have shown in order to offer you FRISS services that you may be interested in. We use HubSpot in order to track and consult these statistics. On this website you can find explanations about all cookies that may be placed by HubSpot;

3. Changes to this Cookie and Privacy Statement

FRISS may make changes to this Cookie and Privacy Statement. All modifications will be published on this page. We advise you to consult this Cookie and Privacy Statement regularly, so that you are always aware of the content of the current Cookie and Privacy Statement.