Kumar Utpal Speaks at Claims Club 3, Hosted by Insurance Post
Decerto is proud to announce that Kumar Utpal, Head of Business Development for the UK and Ireland at Decerto, has joined the speaker lineup at Claims Club 3, hosted by Insurance Post in London.
Taking place on 8 September 2026, Claims Club 3 brings claims and underwriting professionals together to explore how greater collaboration across the insurance lifecycle can strengthen decision-making, resilience and customer outcomes.
Kumar took part in the panel discussion "Fraud at the front door - what insurance can learn from banking,"where he showed how Decerto's AI-driven approach helps insurers detect fraud earlier and faster - before it ever reaches a costly claims payout.
Detecting Fraud Before It Becomes a Claim
Fraud has become increasingly organised, technology-enabled and sophisticated, often starting long before a claim is filed. Kumar discussed how Decerto's solutions bring AI, data and connected intelligence directly into the claims and underwriting workflow - flagging anomalies, surfacing hidden fraud networks and giving insurers the evidence they need to act early, rather than reconstructing what happened after the fact.
The panel touched on:
- How AI scoring at first notification of loss (FNOL) surfaces risk before manual review even begins
- Spotting identity fraud, synthetic identities and social engineering in real time
- Using connected data to uncover fraud networks and recurring patterns across claims
- Turning fraud detection into a fast, explainable and audit-ready decision - not a bottleneck
- What insurers can learn from how banks operationalise fraud detection at scale
A Perspective Built on Two Decades in the Market
Kumar holds postgraduate qualifications in Insurance and Financial Risk Management and has spent more than two decades working across Asia, Australia, Africa and the European insurance market in consulting, technology and BPO. At Decerto, he focuses on helping insurers identify and adopt claims solutions that strengthen fraud detection, improve processing speed and reduce operational costs - exactly the ground covered in this panel.
About Claims Club 3
Claims Club 3 is part of Insurance Post's Claims & Underwriting Club series, bringing claims and underwriting professionals together for a joined-up conversation about the future of insurance. Following shared opening sessions, delegates split into dedicated Personal Lines and Commercial Lines streams to dig into the issues shaping the market today - and tomorrow.
Want to see how Decerto's Anti-Fraud Solution detects fraud earlier using AI, across the full policy and claims lifecycle? Talk to our team.
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Start With a 30-Minute Conversation
Tell us where your operation loses time - in claims, in underwriting, in policy servicing, or in getting a product to market. You will talk to a senior architect, not a sales team, and the first call is a technical Q&A rather than a walkthrough of screens.If a pilot makes sense afterward, we will scope one: one line of business, one jurisdiction, limited integrations, measured against your own baseline. If it does not, you will still leave with a clearer view of your own bottlenecks.
