AI2 powered detection

FRISS has 100% focus on automated fraud and risk solutions for P&C insurance companies worldwide. The AI2 powered detection helps insurers to predict, protect and process. This improves the combined ratio, enables profitable portfolio growth and turns insurance data into knowledge. 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. It is a ready-to-use business solution combining analytics, AI and machine learning techniques with knowledge from 150+ implementations at insurers around the globe. Expert knowledge is combined with machine learning techniques to enable a guided self-learning solution.


FRISS® Score


As a proven standard, the FRISS Score is the core of the solutions and indicates the risk for each policy application or claim. It provides a white box, holistic view on fraud and risks, delivering actionable insights. The FRISS Score is based on a hybrid detection method. It combines insurance expert business knowledge, out of 10+ years of experience, with external data sources and AI.

Latest thinking

The 5 most viewed articles, blogs and videos

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.


[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.


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.

The latest insights on fraud, risk & compliance: 'fresh from the FRISS Lab'
FRISS Lab #12

Digital Insurance #1: How to Improve Claims Efficiency

''It was taking us 45 minutes to attend a claim before, manually. And now, with a tablet, it only takes us 15 minutes to do it''. Welcome to this episode of FRISS Lab On Tour. We have a special item for you, because we flew to Latin America to see how insurers deal with fraud and industry trends over there. Check out part 1 now!

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.

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

Identity Fraud – Automated Detection Systems Protect Both Insurers and Citizens.

With a well-organised automated risk analysis and fraud detection, the chances of fraudsters getting into the portfolio become considerably smaller.

07 March 2018

FRISS Appoints Mark Engelhart As DPO

Mark is schooled in the fields of Criminology and Law, and is experienced in combatting identity fraud and research into organized cybercrime.

02 March 2018

FRISS in DIA Top100 Insurtech, Oxbow Impact25 and Inc.5000

DIA, Oxbow Partners and Inc. have rewarded FRISS for the continuous and successful quest for honest insurance.

The latest thinking and expert insights into the insurance industry.
05 March 2018

Embedding Fraud and Risk Awareness Successfully in the DNA of the Company

Thanks to their modern data system and collaborative culture, INTERAMERICAN achieves a balanced insurance portfolio and good insights in risks they carry.

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.

[on-demand webinar]: Comparing Insurance Distribution Channels: Online vs Personal = Efficient vs Expensive?

We will show you how delivery models like brokers and online changed in the past years and how these changes bring different risks.

[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.

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

Insurance Innovators Counter Fraud 2018

Insurance Innovators: Counter Fraud 2018 will dig deep into the challenges faced by insurers today and explore holistic approaches to anti-fraud measures from pan-European perspectives.


IIF 2018 – Motor Insurance – the innovation challenge

A top level environment for exchanging business insights on essential issues of the motor insurance industry. An excellent meeting point with the latest trends in technological innovation.


DIA Amsterdam 2018

The must-see event for insurtech and innovation in insurance. On May 16 and 17 FRISS will be sharing experiences from the field at the Digital Insurance Agenda (DIA) 2018 in Amsterdam, The Netherlands. As a DIAmond award winner at last year's DIA Amsterdam, FRISS is also covered in the DIA TOP 100 INSURTECHS.

Our work

All customer stories

Ready-to-use business solutions

Underwriting Risk Assessment

Based on AI and machine learning techniques, the underwriting solution leads to a real-time intelligent and objective risk evaluation. In order to grow a healthy portfolio, it is important to prevent insurance fraud and high risk by having a clear picture of potential customers before they enter your portfolio. Prevent bad risks by combining AI and analytics, enable STP and deliver seamless customer onboarding.


Claims Fraud Detection

Use AI2 powered fraud detection during the claims process to make an accurate estimation of the risks related to a claim. Automatically detect insurance fraud before claims are paid. Reduce your loss ratio by increasing the chances of fraud detection at claims and limit false positives to a minimum. The solution enables fast track claims, 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.


SIU Investigations

Improve investigators’ possibilities to manage workloads, register all findings, recognize and connect the dots between files, take adequate measures and to report in a structural manner. Moreover, enhance the flexibility of customized case registration, by line of business and even on investigator level.


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


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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.

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    • 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;
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    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.

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    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;

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    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.