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MICHIGAN INVESTIGATIVE GROUPMICHIGAN INVESTIGATIVE GROUP

… Looking out for you… Looking out for you

Fraud/SIU Team:MIG has created a dedicated fraud control team with specialized expertise and resources committed to

minimizing the adverse effects of fraud for its industry clients. Our fraud investigators sole focus is to provide

professional, timely, quality and cost-effective investigative services to the insurance industry from inception

to final disposition.

Michigan Investigative Group investigators help clients reduce exposure of losses, recover fraudulent claims

costs and prevent unwarranted risks in a cost-effective manner.

Due Diligence Surveillance:A background check and extensive review of the case is conducted to assess the true exposure and validity of

a prospective claimant for our client‘s. Information is verified and all documentation obtained is supplied to

the client to better assist their claim management. Why should due diligence investigations be conducted?

Because clients always want to take as little risk as possible and must be assured that any monies allocated or

advanced will be worth that risk. By utilizing the MIG investigative team, our clients have witnessed and

testify that their claims are handled efficiently and economical to aggressively reduce the fraud exposure.

MICHIGAN INVESTIGATIVE GROUP (800) 723-4580MICHIGAN INVESTIGATIVE GROUP (800) 723-4580

INSURANCE F RAUDINSURANCE F RAUD

MIG – Fraud/SIU Investigators specialize in :

� Surveillance

� Neighborhood Canvassing

�Asset & Receipt verification

�Video Interviews & Statements

Surveillance for:

� Automobile/No-Fault

�Worker’s Compensation

� Premises Liability

�General Defense Litigation


INSURANCE F RAUD cont …INSURANCE F RAUD cont …

��Digital Video CapturingDigital Video Capturing

��Electronic Report DeliveryElectronic Report Delivery

��Secure Secure CClient Loglient Log--In PortalIn Portal

��Mobile Video StreamingMobile Video Streaming


WORKER’s COMPENSATIONWORKER’s COMPENSATION

Workers Compensation Fraud: We prove legitimacy of workers compensation claims! We do not just try to

impeach the claimants. As professionals who have to adjust claims, we know that many are serious and can be

proven correct. We at MIG mandate an environment where we look to establish hard facts. This approach is

tenacious and objective, saving you the hassle of inadmissible reports and evidence.

Workers compensation claimants sometimes exaggerate their claims to collect higher benefits. This can greatly

affect the bottom line of even the largest organization. Workers' compensation is usually a state-provided

protection in the United States. Compensation schedules vary from state to state. Insurance is typically provided

based on the type of injury and the degree of disability of the worker. This is where MIG takes the lead.

In many circumstances workers compensation claims are incorrect or have been mislead. MIG conducts

investigations for the employer or the insuring agency, providing actual real life examples of how the claimant is

adhering or progressing through the healing or disabled process.

Many of our clients use MIG not only when they are suspicious but whenever they have a claim. We are available

now to assist you on the inquiry process.

S U R V E I L L A N C E E X P E R T SS U R V E I L L A N C E E X P E R T S

I N S U R A N C E F R A U D c o n t …

How to conduct an appropriate fraud investigationWould your company be ready to handle this type of examination?

Imagine that your company is being investigated for fraud. One of your employees is caught forging documents, or another is

involved in a grand money laundering scheme or "cooking" the financial reporting books. A team of forensic accounting and

fraud investigators enters your workplace to conduct a review and investigation. If you found your company under investigation -

- how would you handle it? If you are unsure, then you should know how Michigan Investigative Group's forensic specialists

conduct a comprehensive fraud investigation. It is a carefully planned and thorough undertaking that has to be done right. A

poorly executed investigation can make a delicate situation for your company much worse. Fraud takes on many forms. The

Canadian Institute of Chartered Accountants defines fraud as "an intentional act, by one or more individuals among

management, other employees, those charged with governance or third parties, involving the use of deception to obtain an

unjust or illegal advantage." These activities can include misappropriation of cash or inventory, fraudulent financial reporting and

money laundering. In looking at these activities, our fraud investigators take a three-step approach in their investigation:

secure and collect all tangible and oral evidence in a manner consistent with the rules of evidence to ensure admissibility

analyze the evidence, and present the evidence in an understandable manner in a venue of the client's choosing

These stages normally involve using the technology of computer forensic analysis, data analytics and conducting interviews.

CORPATE F RAUDCORPATE F RAUD

MIG's fraud investigators take a three-step approach:

1. Secure and collect all tangible and oral evidence

2. Analyze the evidence

3. Present the evidence in an understandable manner


I N S U R A N C E F R A U D c o n t …CORPATE F RAUDCORPATE F RAUD

Securing and collecting the evidence: computer forensicsThe most successful method of detecting improper activities at corporations where fraud is suspected is through the use of

technology. Nearly all of a company's information is created and managed electronically, yet typically only a third of that

information is committed to paper. The majority of investigations, therefore, require careful searches of electronic information

rather than following a paper trail.

Computer forensics allows fraud investigators to uncover more of the facts, support otherwise unsubstantiated information,

confirm or refute allegations, and analyze competing theories in relation to those facts. It involves identifying, collecting,

analyzing large numbers of data. But without the correct presentation or codification of data, it may not be admissible in a legal

proceeding. Typically, the forensic group would search and analyze:

EmailsDocuments and files that may be hidden, password protected, or encrypted Files that have been generated from the operating

system (i.e., enhanced metafiles) Databases of all user input and activity Recently opened, accessed, created or deleted files, and

Online activities, including Internet banking transactions However, electronic evidence is not limited just to laptop and network

computers at the workplace. Offsite computer files, servers, and even the head accountant's BlackBerry can prove valuable in an

investigation. If your company is being investigated, it is wise to be as cooperative as you can during the "electronic" phase of the

investigation. Computer forensic analysts use sophisticated tools and laboratories to conduct a thorough and accurate

investigation. There's really nowhere to hide your data anymore, and any attempts to do so merely create additional evidence

pointing toward an attempted cover-up.


I N S U R A N C E F R A U D c o n t …CORPATE F RAUD cont …CORPATE F RAUD cont …

Gathering additional evidence through interviewsSuccessful fraud investigations require interviewing potential witnesses, people with information about a particular infraction,

and in some cases, speaking with the suspected perpetrators of fraud themselves. The professional interviewer, therefore, has a

detailed and organized plan in place. Knowing this will help you understand how investigators acquire oral evidence. The

objective of an interview in a fraud situation is to gather facts related to potential motives on the part of the perpetrator, and to

verify opportunities presented to the perpetrator for committing a fraud. The interviewer carefully organizes the structure of the

interview, including its location, attendees, and the series of questions that will be asked. Questions are designed so that they

draw out the best possible information from the interviewee. For instance: What will be gained from the interview? What should

be known about this individual's activities? Is the interviewee a suspect or just a lead? As well, the interviewer often takes into

account body language and certain words and phrases which could indicate deception.

The bottom lineUsing computer forensics, data analytics and interviews allows investigators to assemble much of the needed evidence for an

investigation. MIG's professionals then present the evidence in a way that allows them to make a compelling case if needed.

Going through a fraud investigation can be a stressful time for your company. But you can get through it with cooperation,

patience and the right knowledge.


REMEMBER: The MIG 3 Steps

1. Secure and collect all tangible and oral evidence

2. Analyze the evidence

3. Present the evidence in an understandable manner

I N S U R A N C E F R A U D c o n t …BACKGROUND CHECKSBACKGROUND CHECKS


MIG is a provider of background check information related to credit history, social security number verification, driving

records, criminal history, education verification, professional license verification, personal and professional reference

verification. Our Lead Investigators have many years of experience in handling your cases with care.

Features:

� On line background check ordering and record retrieval.

�Personal individual service, you will be assigned a Lead Investigator

�No long term commitments or enrollment fees

�Custom Background check Reporting Available

Below is a partial list of the background check services we offer.

Social Security Verification

Credit Report

County Criminal Background Check Record

Search

Nationwide Database Background Check

Search

Statewide Criminal Background Checks

Civil Court Record Searches

Driving Record

Employment Verification

Education Verification

Nationwide Sex Offender

Tenant Screening

Government Database Search

I9 Compliance

MICHIGAN INVESTIGATIVE GROUPMICHIGAN INVESTIGATIVE GROUP

51194 Romeo Plank Rd. #223

Macomb, MI 48042

(800) 723-4580 Corporate Office

(586) 648-8090 Macomb County

(248) 823-7021 Oakland County

(586) 591-5995 Fax

Website: http://www.migpi.com

Email: [email protected]