Every pattern, on every file
Referral rates run one to three percent of files. Actual fraud runs eight to ten. Owl reads every file at FNOL against the patterns your SIU team has chased for years, and the patterns nobody on your team has seen yet, because it was a peer carrier that investigated them first, not you.
8%
Fraud surfaced at FNOL
41×
Patterns checked per file
$2.4M
Recovered per 100K files
Three AI agents on every file at FNOL. Looking for what doesn’t add up.
Pick a line. See the patterns Owl finds: at FNOL, before the file goes to an examiner.
Each line has its own fraud archetypes. Owl indexes them all and runs every file against the right ones.
Claimant, treating chiropractor and plaintiff attorney appear together in 14 prior-carrier claims; cluster pattern matches NICB-published staged-loss ring methodology. Refer immediately.
Damage photos timestamped 2025-05-29 (8 days pre-DOL). Photo metadata vs. claimed loss date inconsistent.
Claimant said "no prior back issues" at minute 4:12; ISO ClaimSearch shows 3 prior claims with lumbar treatment. Contradiction documented for EUO.
Yes: refer to SIU within 24 hours. The pattern is a staged-loss ring with three corroborating signals: cross-carrier provider-attorney cluster, EXIF date pre-loss, and recorded-statement contradiction on prior treatment. Cohort base rate for this signal combination is 71% confirmed-fraud at investigation close. Recovery probability ~$22K average for similar cases. Draft EUO request and SIU referral memo attached.
How Owl plugs into the SIU workflow. Without changing how SIU runs.
FNOL hits the queue
Owl reads the file at intake, runs every fraud-pattern check, scores the file. No SIU referral required to look.
Pattern-match, score
Cross-carrier fraud graph, NICB feeds, prior-claim history, document-tampering signals. Score with reasoning.
Auto-refer or route
High-confidence patterns auto-refer to SIU. Mid-confidence flag in examiner queue. Low-confidence stays silent.
SIU investigator picks up
Loads the file with patterns, priors, base rates and a draft investigation plan. Validates and edits.
EUO, surveillance, denial
Owl drafts the EUO outline, the surveillance authorization, the denial framework. Investigator runs the work.
Numbers from carriers running Owl in SIU.
Built for the regulatory shape of every state’s SIU statute.
Lives where your SIU team lives.
Claims platforms
Guidewire ClaimCenter, Duck Creek, FINEOS, Origami, Majesco
SIU case management
SAS, NICE Actimize, FRISS, in-house
Industry data
NICB Foreknowledge, ISO ClaimSearch, LexisNexis, CCC
Public records
PACER, state registries, LinkedIn, social media, OFAC, sanctions
Surveillance vendors
BVS, ISG, Hub, Examworks, Frasco
Identity & SSO
Okta, Azure AD, PingFederate, SAML, SCIM
Bring us a year of files your SIU never saw. We’ll find the fraud you missed.
Two-week retro pilot. We screen your last 100K closed files against the cross-carrier fraud graph, surface the patterns and stack-rank by recovery probability. You decide what to investigate next.