IASIU Celebrating 30 Years by IASIU

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Congratulations years of service Thank you from VRC to the IASIU community for our investigative partnership in fighting fraud. Together we make a difference!

VRC is a Nationwide Veteran Owned Business.

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Table of Contents I.

Presidentâ&#x20AC;&#x2122;s Welcome

Page 4

II.

Congratulatory Messages

III.

Current Board Members

Page 11

IV.

Membership Benefits

Page 12

In Memoriam

Page 13

VI.

IASIU Mission, Awards Criteria, History and Timeline/Photo Gallery

Pages 5-10

VII. SIU Today Contributing Editors: Then and Now Retrospectives VIII. Lifetime Members

Pages 14-30 Pages 31-36 Page 37

IX.

Past Presidentsâ&#x20AC;&#x2122; Retrospectives

Pages 38-53

Chapters

Pages 55-97

XI.

Committees

Pages 98-107

XII. Advertiser Index

Page 108

XIII. Thank You to Advertisers, Sponsors and Exhibitors

Page 109

XIV. Save the Date 30th Annual Seminar & Expo on Insurance Fraud

Inside Back Cover

September 14, 2014 Thank you for reading this 30th anniversary commemorative book of the International Association of Special Investigation Units (IASIU). With more than 3,800 members, IASIU has grown over the past thirty years into the largest organization of insurance fraud investigators in the world. In 1984, a small group of insurance fraud professionals dreamed of forming an organization dedicated to insurance fraud investigators and the fight against insurance fraud. Bob Smith, an active member of IASIU since inception and currently working with NICB, recounts that IASIU started as the National Association of Special Investigation Units (NASIU). Our founding fathers were President: William J. (Bill) Lundy, American Family Insurance; Vice President: Kenneth (Ken) Goodnight, State Farm Insurance; Secretary: Harold (Matt) Mattingly, J.C. Penney Insurance; Treasurer: John Daily, Cimarron Insurance; Directors: Harold (Bud) Burke, Co-op of Vermont; Patrick (Pat) Corr, USAA Insurance; Glenn Roewe, Farmers Insurance; Robert J. (Bob) Smith, Omaha Property/Casualty and Jay Williams, CNA Insurance. In 1986 with membership of 156, the organization changed its name to the International Association of Special Investigation Units, IASIU. Realizing that insurance fraud was an issue around the world, these individuals recognized the need for a global effort to fight fraud. A strong foundation was built from humble beginnings and a mission grew that IASIU uses today, emphasizing the needs of insurance fraud investigators and fighting against insurance fraud around the world. Today, with forty-one chapters, IASIU leads the way in providing education to members. This year, over 600 insurance fraud investigators and attendees met in Greensboro, North Carolina to learn more about our profession and network with other investigators. IASIU members also participated in seminars sponsored by our chapters, like the Delaware Valley and Greater Pittsburgh Chapter, who along with the Pennsylvania Insurance Fraud Authority, hosted over 500 attendees at their annual seminar in Hershey, Pennsylvania in April. FIFEC, sponsored by IASIU’s five Chapters, the North, Central, South, Orlando and Southwest Florida chapters, in cooperation with the Florida Department of Insurance Fraud, hosted almost 1,000 attendees at their annual seminar in Orlando in June. Other seminars sponsored by the European and Canadian Chapters, the New England, New York, Virginia, Kentucky, California and other chapters bring meaningful education to members around the globe. IASIU’s Certified Insurance Fraud Investigator (CIFI) and Certified Insurance Fraud Analyst (CIFA) designations are recognized in the insurance industry as certifications of the recipient’s professional level of service and education. IASIU’s magazine, SIU Today and its online publication, SIU eNews, contain stories about current insurance fraud trends and articles by members and experts in insurance fraud. Annual awards this year include a new category, “Multi-Jurisdictional Investigative Excellence Award,” designed to recognize individuals and organizations involved in large-scale investigations. The Investigator of the Year, Analyst of the Year, Outstanding Service and Public Service Awards recognize investigators for their contributions to fighting insurance fraud. In cooperation with the National Insurance Crime Bureau and the Coalition Against Insurance Fraud, IASIU is a strategic partner in the fight against insurance fraud. I hope you enjoy this look back in time and recognize the effort of those who dreamed of today. Imagine IASIU’s impact on its members and the insurance fraud industry in the future.

Wade Wickre, CIFI, FCLA IASIU President

OFFICE OF THE GOVERNOR

COMMONWEALTH OF MASSACHUSETTS STATE HOUSE ● BOSTON, MA 02133 (617) 725-4000

DEVAL L. PATRICK GOVERNOR

September 2014 Dear Friends: On behalf of the Commonwealth of Massachusetts, I send warm greetings as you gather to celebrate the 30th anniversary of the International Association of Special Investigation Units and its Annual Insurance Fraud Seminar. Since 1984, the International Association of Special Investigation Units (IASIU) has promoted a coordinated effort within the industry to combat insurance fraud. The IASIU provides key educational training to insurance investigators, and develops greater awareness of insurance fraud. This year’s seminar will provide workshops on various types of fraud including arson, auto and property theft, fraudulent life and disability claims, bodily injury scams, and workers’ compensation fraud. I urge you to take full advantage of the important information and networking opportunities available to you at this seminar. Please accept my best wishes for an informative and successful event. Sincerely,

!! !! ! ! July 1, 2014 !

Mr. Wade Wickre President International Association of Special Investigation Units (IASIU) N83 W 13410 Leon Road Menomonee Falls, WI 53051

! Dear Wade: !

On behalf of the National Insurance Crime Bureau (NICB), we congratulate IASIU on 30 years of service to the insurance industry and the American public.

Our organizations have been intertwined since the beginning with a strong partnership focused on fighting insurance fraud. We have worked together on numerous fronts to train and educate the industry, law enforcement and other concerned parties about the burden and cost of insurance fraud. By having the president of IASIU as an advisor to our Board of Governors, and by having several NICB experts represented on the IASIU board and committees, we have maintained a strong trust and understanding of each othersâ&#x20AC;&#x2122; organizations. Our annual contribution to the IASIU Award winners is just one way of acknowledging our ongoing support for your efforts. We have enjoyed the first 30 years and we look forward to many more successes in the years to come.

Best Regards,

! !

Joe Wehrle President and CEO

1111 E. Touhy Avenue, Suite 400 Des Plaines, IL 60018

Phone: 847.544.7000 800.447.6282 Fax: 847.544.7101 www.nicb.org

2014 Board of Directors

Founded in 1984, IASIU is a nonprofit membership organization for individuals dedicated to combating insurance fraud.

President Wade Wickre, CIFI, FCLA Nationwide Insurance

Vice President Sean Zavala, FCLS Farmers Insurance

Secretary Ellen Withers, CIFI, AIC, AIM, SCLA State Farm Insurance Company

Treasurer John D. Kloc, FCLS Sentry Insurance

Directors

Louis Larose, CIFI AMICA Mutual Insurance Company

Mary J. Sadousky, CIFI MetLife

Walter Swett, CIFI, CFE, FCLS Nationwide Insurance

Andris Berzins, CIFI, FCLA Federated Insurance

Dallas Barnes, GCA, FCLA Farmers Insurance

Counsel

Gary Reinhardt Kalbaugh, Pfund & Messersmith

Dennis Kass Manning & Kass, Ellrod, Ramirez, Trester LLP

Brent Walker, SCLA, AHFI Travelers

Steven Piper, SCLA Travelers

Advisors

Dennis Jay Coalition Against Insurance Fraud 11

Thomas Welsh National Insurance Crime Bureau

Oliver Lindsiepe General Reinsurance AG

Join Colleagues on the Front-Line Against Insurance Fraud – Become an IASIU Member Today! As a professional dedicated to combating insurance fraud, you know the importance of staying informed about the latest investigative methods and techniques that will allow you to successfully detect fraud in the industry. Get the internal support and resources you need by joining the International Association of Special Investigation Units (IASIU) today. Founded in 1984, IASIU is a nonprofit organization dedicated to combating insurance fraud. Through membership, you will join over 3,800 colleagues from more than 600 insurance and self-insured companies around the world. In addition, IASIU currently recognizes 41 chapters throughout the United States, Canada and Europe that adhere to IASIU guidelines and hold regular meetings and training seminars.

Through IASIU membership, you will be able to: • Network with over 3,800 members from more than 600 insurance and self-insured companies around the world through our online directory • Gain access to local IASIU chapter meetings and seminars to fulfill training and education requirements for continuing education credits and state compliance regulations • Develop key leadership skills by becoming actively involved as officers and directors of local chapters • Enhance your career and credibility through Certified Insurance Fraud Investigator (CIFI) and Certified Insurance Fraud Analyst (CIFA) certifications • Receive a free subscription to our quarterly SIU Today magazine and the quarterly SIU eNews, which contain the latest information on investigating and combating insurance fraud as well as other legal and legislative updates • Receive industry-leading training and education by attending annual seminars at a discounted member rate • Post complimentary job postings on the IASIU website and gain exposure to a widely skilled talent pool • Receive a free annual subscription to the Fraud News Weekly published by the Coalition Against Insurance Fraud (a $49.95 value) • Access legislative support services and learn about the latest anti-fraud legislation • Receive a 10% discount to online trainings offered through the North American Training Group (NATG) • Help shape the global response to insurance fraud by participating in the industry-leading organization that connects and educates investigators worldwide For more information or to join, visit www.iasiu.org

International Association of Special Investigation Units N83 W13410 Leon Road, Menomonee Falls, WI 53051 Phone: 414.375.2992 • Fax: 414.359.1671 info@iasiu.org • www.iasiu.org 12

IN MEMORIAM When Tragedy Strikes: Insurance Fraud Claims Innocent Lives IASIU lost two dedicated members in a horrific and unimaginable event. On June 7, 2011, Louisiana insurance department investigators Rhett Jeansonne, 39, and Kim Sledge, 44, were shot and killed by insurance agent John Melvin Lavergne, who then killed himself. The two were on a routine assignment, collecting records in a follow-up investigation of Lavergne, a suspended insurance agent in Ville Platte. Jeansonne leaves behind a wife, daughter and three sons. Sledge was married and had a daughter and two stepchildren. The cold-blooded murder of two dedicated IASIU professionals is another reminder of why we resolutely fight this crime. IASIU knew it had to respond in a meaningful way to this tragic event and immediately joined forces with NICB and the Coalition Against Insurance Fraud. We issued a joint letter to the Louisiana legislature, urging them to pass a bill allowing families of insurance investigators to receive death benefits that previously were given only to law enforcement and other first responders who died in the line of duty. I’m happy to report that SB 271 passed the legislature unanimously. While the Jeansonne and Sledge families would not have been covered under the old law, they will now receive death benefits. Thanks to the Louisiana legislature for the prompt nonpartisan support. The IASIU Board felt the association needed to do even more for the families of our fallen members killed in the line of duty. The Board of Directors unanimously approved a $10,000 donation to a memorial fund the Louisiana Insurance Department created in the wake of the murders. Proceeds will be used to create a permanent memorial on the grounds of the Louisiana Department of Insurance and also go directly to the families of Jeansonne and Sledge. This isn’t the first time an event like this has happened, underscoring the danger investigators can face. Back in 2008, North Carolina insurance department auditor Sallie Rohrbach was murdered by insurance agent Michael Howell as she was reviewing his agency books for possible fraud. The Charlotte producer received nearly 28 years in prison after pleading guilty to second-degree murder in May 2009. On July 4 2011, yet another tragedy related to an insurance fraud case struck. This time it involved the shooting of five people and killing of three, including a toddler, in revenge for a fraud scheme that turned sour. RichardGeisenheyner was then killed by a SWAT team after a six-hour standoff. We’ve always known that death can be connected to insurance fraud, but typically it’s when a person is killed for life insurance proceeds or a staged claims event that’s gone bad. It may be an arson fire where someone innocently dies or a staged auto accident – like a swoop and swat scheme – where an intentional accident causes an accidental death. We don’t think of insurance fraud investigators being murdered or family members killed out of revenge over a foiled insurance fraud case. Unfortunately, the examples above tell a different story. These shootings and the senseless murders are yet another reminder that insurance fraud can be a dangerous, violent crime. Who says fraud is harmless or victimless? Let’s not forget Jeansonne and Sledge and the ultimate sacrifice they made as a reminder of the serious dangers of this crime. Insurance fraud claims innocent lives. On behalf of the IASIU Board of Directors and all its members, we extend our deepest sympathy to the Jeansonne and Sledge families and friends, and the Louisiana DOI. Our fallen IASIU members remain in our thoughts and prayers. They will be remembered, always.

IASIU Mission Founded in 1984 by a group of insurance industry fraud investigators, the International Association of Special Investigation Units (IASIU) is a non-profit organization dedicated to: • Promoting a coordinated effort within the industry to combat insurance fraud; • Providing education and training for insurance investigators; • Developing greater awareness of the insurance fraud problem; • Encouraging high professional standards of conduct among insurance investigators; and • Supporting legislation that acts as a deterrent to the crime of insurance fraud.

IASIU Awards Criteria Investigator of the Year The Investigator of the Year award honors those individuals who have made a significant contribution to fraud investigation. The factors considered include: • Impact made to the nominee’s special investigation unit • Impact made to the nominee’s company • Positive effect the investigation had on the insurance industry • Positive effect the investigation had on the outside community • Uniqueness and exceptional qualities of the investigation Outstanding Service Award IASIU’s Outstanding Service Award recognizes contributions to the insurance industry, an individual’s company, the community and the association. The criteria include: • Image made to a nominee’s special investigation unit • Impact made to the nominee’s company • Positive impact of service to the community • Significant contributions to the success of IASIU • Volunteering at chapter events • Serving as a chapter board member or as an IASIU board member • Volunteering as a member of or chairing an IASIU committee Public Service Award IASIU’s Public Service Award recognizes NICB, Law Enforcement, Prosecutors, Public Agencies and similar agencies. The considerations for the award include: • Impact made to the nominee’s Department • Positive effect the investigation had on the insurance industry • Positive effect the investigation had on the outside community • Uniqueness and exceptional qualities of the investigation Analyst of the Year The Analyst is distinguished through the ability to utilize those skills that demonstrate outstanding strategic analysis (identify organized schemes or potential fraud exposure) and/or tactical analysis(enhance on-going investigations) that significantly contribute to investigative results. The winner for Analyst of the Year is selected based on the best example of achieving the award criteria through impactful strategic and tactical analytical activities. The criteria include: • Impact on the nominee’s special investigation unit • Impact made on the nominee’s company • Positive effect on the insurance industry • Positive effect the investigation had outside the community • Uniqueness and exceptional qualities of the analytical work 14

NASIU/IASIU History Researched and Prepared by: Robert J. (Bob) Smith, CIFI Founding Member, Past President, Officer and Director Insurance fraud has plagued the insurance industry for years. While many times disguised as an accidental fire, auto theft, slip and fall or some other type of “valid” loss, fraud began to flourish and in fact has become insidious over the past several decades. About 30 years ago, in an effort to combat this ever-growing problem, the insurance industry began to create specialized teams within their respective companies to more thoroughly scrutinize claims exhibiting elements of concern. These teams ultimately became known as "Special Investigation Units" or SIU’s. Discussion among these early SIU operations was fragmented at best. It became evident that a better, more organized and focused structure was needed to address and suppress a wide variety of fraud schemes. In the early 1980’s, a small handful of these investigators met informally and begin discussing how to best address this issue and agreed on some basic goals and objectives. Led by William J. (Bill) Lundy (American Family SIU Manager), these early fraud fighting pioneers finally came up with an idea. In October, 1984, that small group gathered in a conference room at the Henry VIII Hotel and Conference Center in St. Louis, Missouri, USA. After hours of careful thought, deliberations, concessions, compromises and at times, some very lively discussion, the National Association of Special Investigation Units (NASIU) was born! A formal Constitution and Bylaws was drafted, creating the NASIU and soon thereafter the organization was legally incorporated. But…would it succeed? Succeed it did indeed! Growth of the NASIU within the SIU community was almost instantaneous. In short time, NASIU became better known and organized, spilling over into Canada. As a result, the name was modified to represent the new flavor of its contingency, becoming "International.” Growth continued. IASIU now boasts a membership base of thousands of professional investigators, literally from around the globe. Annual seminars have been held, awards given, professionals from within the industry as well as public service arenas have been recognized and a significant measure of respect garnered over the years. My, how this organization has grown! Here's a quick look back. Enjoy!

: s t c a F 4 198

ate R n o i t a l nf • Yearly IUSA: 4.3% in the se o l C d n E • Year Jones: 1211 Dow : $1.10 s a G f o • 1 Gallon

• Interest Rates Year End Federal Reserve: 10 .75% • Average Cost fo New House: $86r,7a 30 • Movie Ticket: $2 .50

1984-1985

Founders: President: Vice President: Secretary: Treasurer: Directors:

National Association of Special Investigation Units William J. (Bill) Lundy (American Family Insurance) Kenneth (Ken) Goodnight (State Farm Insurance) Harold (Matt) Mattingly (J.C. Penney Insurance) John Daily (Cimarron Insurance) Harold (Bud) Burke (Co-op of Vermont) Patrick (Pat) Corr (USAA Insurance) Glenn Roewe (Farmers Insurance) Robert J. (Bob) Smith (Omaha Property/Casualty) Jay Williams (CNA Insurance) Final 1985 crime statistics released by the FBI show that 103,220 arson off enses were reported nationwide. The nationwide arson rate was 50 per 100,000 population. The mo st common targets

• SIU representatives from nine (9) different companies of varied size, business models and geographic presence/ penetration met at the Henry VIII Hotel and Conference Center in St. Louis, Missouri and drafted the original Constitution and Bylaws for a new organization to be named: National Association of Special Investigation Units – (NASIU) • Association formally founded in 1984 and incorporated in the State of Delaware • First seminar co-hosted by ASIS, November 6 - 8, 1985 in Arlington, Virginia • Newsletter “In-House” established, Editor: Ken Kempenaar (Allied Insurance)

of arson were residential str uctures and motor vehicles. The average loss per incident was $15,457. The estimated tot al loss was $1.3 billion dollars.

1985-1986 President: Vice President: Secretary: Treasurer: Directors:

William J. (Bill) Lundy (American Family Insurance) Kenneth (Ken) Goodnight (State Farm Insurance) Harold (Matt) Mattingly (J.C. Penney Insurance) John Daily (Cimarron Insurance) Harold (Bud) Burke (Co-op of Vermont) Patrick (Pat) Corr (USAA Insurance) Glenn Roewe (Farmers Insurance) Robert J. (Bob) Smith (Omaha Property/Casualty) Jay Williams (CNA Insurance)

• 1st Annual Seminar (stand-alone) held at: Henry VIII Hotel and Conference Center, St. Louis, Missouri, September 8 - 10, 1986 • Seminar Attendees: 105 • First Annual Business meeting • First open election of Officers/Directors held during seminar

1986-1987

President: Vice President: Secretary: Treasurer: Directors:

Vincent (Vinnie) Rapp (Erie Insurance) Harold (Matt) Mattingly (J.C. Penney Insurance) John Daily (Cimarron Insurance) Robert J. (Bob) Smith (Omaha Property/Casualty) Anthony (Tony) Ciprian (Keystone Insurance) Frank Krzeszowski (Continental Insurance) William J. (Bill) Lundy (American Family Insurance) Michael (Mike) Minella (CNA Insurance) Donald (Don) Nettle (USAA Insurance)

• Annual Seminar: Denver, CO – September, 29 – October 1, 1987 • Membership as of October 1986: 156 members • Name of organization changed from “National” to “International”

of the sletter, the publication new B AP e th to ng rdi Acco ators, n of Auto Theft Investig International Associatio es 149 registered motor vehicl an estimated one of every 7 e national total of 1,224,13 was stolen during 1986. Th 1985 level. thefts was 11% above the

1987-1988 President: Vice President: Secretary: Treasurer: Directors:

James nagement in March, 1988 Appearing in Security Ma althcare board of the National He Garcia, chairman of the quotes the Federal Trade Anti-Fraud Association, ut ng that fraud totals abo Commission as estimati $10 billion annually.

Harold (Matt) Mattingly (J.C. Penney Insurance) Carol Lamparello (Continental Insurance) James (Jim) Pomeroy (Great American Insurance) Robert J. (Bob) Smith (Omaha Property/Casualty) Anthony (Tony) Ciprian (Keystone Insurance) John Daily (J.C. Penney Insurance) William J. (Bill) Lundy (American Family Insurance) Donald (Don) Nettle (USAA Insurance) Vincent (Vinnie) Rapp (Erie Insurance)

• Annual Seminar: Columbus, OH – September 21 – 23, 1988 • Seminar Attendees: 173 17

1988-1989

President: Vice President: Secretary:

Treasurer: Directors:

Anthony (Tony) Ciprian (Keystone Insurance) Robert J. (Bob) Smith (Omaha Property/Casualty) James (Jim) Pomeroy (Great American Insurance) Resigned Patrick (Pat) Pastirik (GEICO Insurance) Appointed/Resigned Donald (Don) Nettle (USAA Insurance) Appointed Dale Cordy (Metropolitan Property/Casualty) Edward (Ed) Faley (State Farm Insurance) Carol Lamparello (Continental Insurance) William J. (Bill) Lundy (American Family Insurance) Harold (Matt) Mattingly (J.C. Penney Insurance) Russell (Russ) Winsett (Colonial Penn Insurance) Resigned Kesley Merry (Ins. Corp. of British Columbia) Appointed

• Annual Seminar: Atlanta, GA – September 18 – 22, 1989 • 1st Investigator of the Year: Steve Runfola (USAA Insurance) • Seminar attendees: 225

1989-1990 President: Vice President: Secretary: Treasurer: Directors:

first e h t s a w What of the e m a n l a i c offi n? organizatio

Robert J. (Bob) Smith (Omaha Property/Casualty) Donald (Don) Nettle (USAA Insurance) Kesley Merry (Ins. Corp. of British Columbia) Dale Cordy (Metropolitan Property/Casualty) Anthony (Tony) Ciprian (Keystone Insurance) Edward (Ed) Faley (State Farm Insurance) William J. (Bill) Lundy (American Family Insurance) Vincent (Vinnie) Rapp (Erie Insurance) George Stavropoulos (Progressive Insurance)

• Annual Seminar: Seattle, WA – September 17 – 21, 1990 • Investigator of the Year: Louis (Lou) Neidich (Keystone Insurance) • Membership: 450 • Member companies: 95 • Seminar attendees: 252

at (National Associ

U Answer: NAISIion of Special Investigation Units) 18

1990-1991

President: Vice President: Secretary: Treasurer: Directors:

Donald (Don) Nettle (USAA Insurance) Dale Cordy (Metropolitan Property/Casualty) Kesley Merry (Ins. Corp. of British Columbia) Edward (Ed) Faley (State Farm Insurance) Anthony (Tony) Ciprian (Keystone Insurance) Resigned Scott Conley (Aetna Life & Casualty) Appointed Mark Kleine (Omaha Property/Casualty) William J. (Bill) Lundy (American Family Insurance) Robert J. (Bob) Smith (Metropolitan Property/Casualty) George Stavropoulos (Progressive Insurance)

• Annual Seminar: San Antonio, TX – September 9 – 13, 1991 • Investigator of the Year: Donald (Don) Brown (Ins. Corp. of British Columbia) • Membership as of June 1990 at 537 • Seminar attendees: 300 • Membership in November 1990: 612 • Companies represented by membership: 100

1991-1992 President: Vice President: Secretary: Treasurer: Directors:

Dale Cordy (Metropolitan Property/Casualty) Kesley Merry (Ins. Corp. of British Columbia) Scott Conley (Aetna Life & Casualty) Edward (Ed) Faley (State Farm Insurance) William J. (Bill) Lundy (American Family Insurance) Sherri Miller (Transamerica Insurance) Donald (Don) Nettle (USAA Insurance) Robert J. (Bob) Smith (Metropolitan Property/Casualty) George Stavropoulos (Transamerica Insurance)

• Annual Seminar: Baltimore, MD – September 13 – 18, 1992 • Investigator of the Year: James McAvoy (Aetna Insurance) • Membership as of November 1991: 630 • Companies represented by membership: 107 • Constitutional amendment approved allowing IASIU Chapters

President: Vice President: Secretary: Treasurer: Directors:

Administrator: Counsel:

Dale Cordy (Metropolitan Property/Casualty) George Stavropoulos (American International) Scott Conley (Aetna Life & Casualty) Louis (Lou) Neidich (Keystone Insurance) Katherine (Kate) Dermody (SAFECO Insurance) Edward (Ed) Faley (State Farm Insurance) Timothy (Tim) Goggin (Nationwide Insurance) William J. (Bill) Lundy (American Family Insurance) Sherri Miller (Transamerica Insurance) Resigned Douglas (Doug) Ashbridge (Farmers Insurance) Appointed Donald (Don) Nettle (USAA Insurance) Robert J. (Bob) Smith (Metropolitan Property/Casualty) Richard (Rick) Gilman (Insurance Information Institute) David O. Brink (Smith & Brink)

When were chapters approved?

Answer: 1992

1992-1993

• Annual Seminar: San Francisco, CA – September 27 – 30, 1993 • Investigator of the Year: Mark Stolle (GEICO Insurance) • Seminar attendees: 550 • Paid Members as of December 1993: 1,217 • Companies Represented by IASIU Membership: 200 • Two (2) additional Board of Director positions approved by membership • Administrator and Counsel added

Accord ing to the U.S. House Subcommittee on Hea lth and Long-Term Care and other federal agencies, hea lth-care fraud dra ins an estimated $25 billion a year from the nation’s hea lth care system and it’s getting worse every year. — October, 19 90 The Nationa l Insurance Crime Bureau (NICB) was formed in 19 92. The new organization’s president and CEO was Arnold Schlossberg, Jr.

1993-1994 President: Vice President: Secretary: Treasurer: Directors:

Administrator: Counsel:

Scott Conley (Aetna Life and Casualty) Timothy (Tim) Goggin (Nationwide Insurance) Douglas (Doug) Ashbridge (Farmers Insurance Group) Louis (Lou) Neidich (Keystone Insurance) Dale Cordy (Metropolitan Property/Casualty) Lawrence (Larry) Henning (Nationwide Insurance) William J. (Bill) Lundy (American Family Insurance) John McHale (CIGNA Insurance) Donald (Don) Nettle (USAA Insurance) Robert J. (Bob) Smith (Metropolitan Property/Casualty) John Swedo (Continental Insurance) Richard (Rick) Gilman (Insurance Information Institute) David O. Brink (Smith & Brink)

• Annual Seminar: Minneapolis, MN – September 12 –15, 1994 • Investigator of the Year: Michael Zyrkowski (Country Mutual Insurance) • Constitution and Bylaws completely re-vamped

1994-1995

President: Vice President: Secretary: Treasurer: Directors:

Administrator: Counsel:

Scott Conley (Aetna Life and Casualty) Timothy (Tim) Goggin (Nationwide Insurance) Douglas (Doug) Ashbridge (Farmers Insurance Group) Louis (Lou) Neidich (Keystone Insurance) Terry Bradford (USAA Insurance) Dale Cordy (Metropolitan Property/Casualty) Lawrence (Larry) Henning (Nationwide Insurance) William J. (Bill) Lundy (American Family Insurance) John McHale (CIGNA Insurance) Donald (Don) Nettle (USAA Insurance) Robert J. (Bob) Smith (Metropolitan Property/Casualty) Richard (Rick) Gilman (Insurance Information Institute) David O. Brink (Smith & Brink)

• Annual Seminar: Naples, FL – September 10 – 14, 1995 • Investigator of the Year: Robert (Bob) Croce (USAA Insurance) • 1st Life Memberships Awarded: Robert J. (Bob) Smith (Metropolitan Property/ Casualty), William J. (Bill) Lundy (American Family), Donald (Don) Nettle (USAA Insurance) • Award to IASIU for the 1st ever “Tailgate Party held in lobby of a Ritz-Carlton”

1995-1996 President: Vice President: Secretary:

first e h t s a w Where nual n A l a i c i f f o ld? Seminar he

Treasurer: Directors:

Administrator: Counsel:

Lawrence (Larry) Henning (Nationwide Insurance) John McHale (CIGNA Insurance) Timothy (Tim) Goggin (Nationwide Insurance) Resigned Robert J. (Bob) Smith (Metropolitan Property/Casualty) Appointed Dale Cordy (Metropolitan Property/Casualty) Douglas (Doug) Ashbridge (Farmers Insurance) Douglas (Doug) Blank (SAFECO Insurance) Carolyn Ericson (HP Group Insurance) Donald (Don) Howell (National Car Rental Systems) William J. (Bill) Lundy (American Family Insurance) Donald (Don) Nettle (USAA Insurance) Robert J. (Bob) Smith (Metropolitan Property/Casualty) Tommy Short (Nationwide Insurance) Appointed Richard (Rick) Gilman (Insurance Information Institute) David O. Brink (Smith & Brink)

• Annual Seminar: Tucson, AZ - September 8 - 12, 1996 • Investigator of the Year: Martin (Marty) White (The Hartford Insurance) • Life Membership: Dale Cordy (Metropolitan Property/Casualty)

is, Missouri Answer: St. Lou

1996-1997

President: Vice President: Secretary: Treasurer: Directors:

Administrator: Counsel:

John McHale (CIGNA Insurance) Marcy Schuld (National Insurance Crime Bureau) Robert J. (Bob) Smith (Nationwide Insurance) Dale Cordy (Metropolitan Property/Casualty) Douglas (Doug) Blank (SAFECO Insurance) Carolyn Ericson (HP Group Insurance) William J. (Bill) Lundy (American Family Insurance) Donald (Don) Nettle (USAA Insurance) Tommy Short (Nationwide Insurance) Jay Williams (State Farm Insurance) Gerald (Jerry/Zap) Zappolo (Royal Insurance) Investigator Carol Hannan (Clemons & Associates) David O. Brink (Smith & Brink)

Dale Cordy - Lifetime M

embership Award

of the Year - John Huber 199 7

• Annual Seminar: Charlotte, NC – September 14 – 17, 1997 • Investigator of the Year: John Huber (Liberty Mutual Insurance) • Life Memberships: Vincent (Vinnie) Rapp (Erie Insurance), Mark Kleine (Omaha Property/Casualty), Louis (Lou) Neidich (Keystone Insurance) • IASIU introduces its website • 1,365 attendees and 57 exhibitors at the annual training seminar

1997-1998 President: Vice President:

Secretary: Treasurer: Directors:

Who won the first Investigator of the Year award?

Administrator: Counsel:

John McHale (CIGNA Insurance) Marcy Schuld (National Insurance Crime Bureau) Resigned William J. (Bill) Lundy (American Family Insurance) Appointed Robert J. (Bob) Smith (Nationwide Insurance) Dale Cordy (Metropolitan Property/Casualty) Douglas (Doug) Blank (SAFECO Insurance) Carolyn Ericson (HP Group Insurance) Donald (Don) Howell (National Car Rental Systems) William J. (Bill) Lundy (American Family Insurance) Donald (Don) Nettle (USAA Insurance) Jay Williams (State Farm Insurance) Gerald (Jerry/Zap) Zappolo (Royal Insurance) Carol Hannan (Clemons & Associates) David O. Brink (Smith & Brink)

• Annual Seminar: Toronto, Ontario, Canada – September 13 – 17, 1998 • Investigator of the Year: Richard Wong (Allstate Insurance) • “Administrator” title changed to “Executive Director” • IASIU receives first of several awards for SIU Awareness magazine 22

Answer: Steve Run fola (USAA Insura nce)

1998-1999

President: Vice President: Secretary: Treasurer: Directors:

John McHale (CIGNA Insurance) William J. (Bill) Lundy (American Family Insurance) Appointed Robert J. (Bob) Smith (Nationwide Insurance) Dale Cordy (Metropolitan Property/Casualty) Carolyn Ericson (HP Group Insurance) Daniel (Dan/Fitz) Fitzgerald (The Hartford Insurance) Donald (Don) Howell (National Car Rental Systems) William (Bill) Lundy (American Family Insurance) Donald (Don) Nettle (USAA Insurance) Michael (Mike) Powell (National Insurance Crime Bureau) Jay Williams (State Farm Insurance) Gerald (Jerry/Zap) Zappolo (Royal Insurance) Executive Director: Carol Hannan (Clemons & Associates) Counsel: David O. Brink (Smith & Brink) • Annual Seminar: Dallas, TX – September 14 – 17, 1999 • Investigator of the Year: John Montalbano (GEICO Insurance) • Life Membership: John McHale (Farmers Insurance)

he When was t site b e w U I S A I introduced? Answer: 1997

1999-2000 President: Vice President:

Tommy Short (Nationwide Insurance) William J. (Bill) Lundy (American Family Insurance) Resigned Douglas (Doug) Blank (SAFECO) Appointed Secretary: Robert J. (Bob) Smith (Nationwide Insurance) Treasurer: Donald (Don) Howell (National Car Rental System, Inc.) Directors: Douglas (Doug) Blank (SAFECO) Appointed VP mid-term Daniel (Dan/Fitz) Fitzgerald (The Hartford) John McHale (Farmers Insurance) Donald (Don) Nettle (USAA Insurance) Michael (Mike) Powell (National Insurance Crime Bureau) Jay Williams (State Farm Insurance) Glenn Wolf (Liberty Mutual Insurance) Executive Director: Carol Hannan (Clemons & Associates) Counsel: David O. Brink (Smith & Brink) • Annual Seminar: Orlando, FL – September 10 – 14, 2000 • Investigator of the Year: John Huber (Liberty Mutual Insurance) • Life Memberships: Douglas (Doug) Blank (SAFECO), Donald (Don) Howell (National Car Rental System) • William J. (Bill) Lundy retires and recognized in Orlando for his vision and leadership as “Father” of NASIU/IASIU • SIU Awareness continues to receive awards for excellence 23

2000-2001

Tommy Short (Nationwide Insurance) Douglas (Doug) Blank (SAFECO) Robert J. (Bob) Smith (Nationwide Insurance) Donald (Don) Howell (National Car Rental System) Daniel (Dan/Fitz) Fitzgerald (The Hartford Insurance) Catherine (Cathy) Gicker (Allstate Insurance) M. Kathryn (Mik) Kelly (Prudential Insurance) John McHale (Farmers Insurance) Jay Williams (State Farm Insurance) Glenn Wolf (Liberty Mutual Insurance) Gerald (Jerry/Zap) Zappolo (Royal & SunAlliance) Executive Director: Carol Hannan (Clemons & Associates) Counsel: David O. Brink (Smith & Brink) • Annual Seminar: Palm Springs, CA – September 9 – 13, 2001 • Investigator of the Year: L. Dennis Chambers (Allstate Insurance) • Life Memberships: Jay Williams (State Farm) & Gerald (Jerry/Zap) Zappolo (Royal) • IASIU introduces new logo better reflecting global (International) membership • 9-11 tragedy strikes midway through seminar. With heavy hearts and some minor delays, seminar continued with some attendees acquiring alternative transportation home

Who was the firs t IASIU President?

Answ er : W il li am J. (Bill) Lund y

President: Vice President: Secretary: Treasurer: Directors:

2001-2002 President: Vice President: Secretary: Treasurer: Directors:

Tommy Short (Nationwide Insurance) Douglas (Doug) Blank (City of Seattle) Robert J. (Bob) Smith (Nationwide Insurance) Donald (Don) Howell (National Car Rental System) Frederick (Fred) Dickens (The Hartford Insurance) Daniel (Dan/Fitz) Fitzgerald (The Hartford Insurance) Catherine (Cathy) Gicker (Allstate Insurance) M. Kathryn (Mik) Kelly (Prudential Insurance) John McHale (Farmers Insurance) Glenn Wolf (Liberty Mutual Insurance) Gerald (Jerry/Zap) Zappolo (Bristol West Insurance) Executive Director: Carol Hannan (Clemons & Associates) Counsel: David O. Brink (Smith & Brink)

• Annual Seminar: Albuquerque, NM – September 8 – 12, 2002 • Investigator of the Year: L. Dennis (Dennie) Huggins (National Insurance Crime Bureau) • Public Service Award: John Massucco (San Diego District Attorney’s Office) • Outstanding Service Award: Patrick (Pat) McCann (Progressive Insurance) • European IASIU contingent convenes seminar in Copenhagen, Denmark 24

Tommy Short (Nationwide Insurance) Douglas (Doug) Blank (Progressive Insurance) Glenn Wolf (Liberty Mutual Insurance) Donald (Don) Howell (United Health Group) Robert (Bob) Dean Unum Provident Insurance) M. Kathryn (Mik) Kelly (Prudential Insurance) Patrick (Pat) McCann (Progressive Insurance) Dennis Schulkins (State Farm Insurance) Steven (Steve) Sims (GuideOne Insurance) Parks Stearns (Unitrin Insurance) Gerald (Jerry/Zap) Zappolo (Bristol West Insurance) Executive Director: Dawn Lipsey (Management Alliance) Counsel: John McHale (Nelson, Levine, de Luca and Horst) • Annual Seminar: Orlando, FL – September 14 – 18, 2003 • Investigator of the Year: Nicolas (Nick) Bogdan (Victoria Insurance) • Public Service Award: Brian Flood (Dallas County District Attorney’s Office) • Outstanding Service Award: Thomas (Tom) Welsh (National Insurance Crime Bureau)

2003-2004 President: Vice President: Secretary: Treasurer: Directors:

Daniel (Dan/Fitz) Fitzgerald (The Hartford Insurance) Catherine (Cathy) Gicker (Allstate Insurance) Glenn Wolf (Liberty Mutual Insurance) Gerald (Jerry/Zap) Zappolo (Bristol West Insurance) Matthew (Mart) Cole (State Farm Insurance) Robert (Bob) Gravier (GMAC Insurance) Kenneth (Ken) Jones (St. Paul/Travelers Insurance) M. Kathryn (Mik) Kelly (Prudential Insurance) David (Dave) Rioux (Erie Insurance) Tommy Short (Nationwide Insurance) Parks Stearns (Unitrin Insurance) Executive Director: Dawn Lipsey (Management Alliance) Co-Counsel: John McHale (Nelson, Levine, de Luca and Horst) Donna Darroch (State Farm Insurance/Sharon Ware)

• Annual Seminar: Pittsburgh, PA – September 12 – 15, 2004 • Investigator of the Year: John DiMinno (Liberty Mutual Insurance) • Public Service Award: Vickie Neal (National Insurance Crime Bureau) • Outstanding Service Award: John Butchko (New Jersey Office of Insurance Fraud) • Life Memberships: Tommy Short (Nationwide) & Glenn Wolf (Liberty Mutual) 25

B, cember, 1988 issue of the AP -- from the October—Devem of ue , 1988 iss as reprinted in the No ber In House IASIU News

In what hotel lob by did IASIU hold the first ever tailgate party? , Naples, Flo rida

President: Vice President: Secretary: Treasurer: Directors:

y, yment was due the next da T’was the night before pajus ay, t two miles aw That I drove my old cart over the ridge, Down a dirt road, jus l, next to a bridge. Where weeds grew tal me, not too far to walk, Just two miles from hoof those who might talk. Hidden from the eyes car, a battered old hack, It was a worthless old me demanding his jack. The collector was after , there was a hole in the block, The tires were worn out d developed a knock. And the motor of late dhathe wheels have spread, The fenders are bent an g, the battery is dead. The rear end is growlin on this pile of tin, Say I,’ I have insurancewon’t be a sin.’ Why not collect, that ’t give a hoot. I’ ll set her on fire, I donget cash to boot. I’ ll save my credit and e some fancy price, I’ ll make them pay my, I’d make them pay twice. If I had another polic fire under the floor, I’ ll tell them it caughtd fought it until my hands got sore. That I threw sand an r right on the road, How I had to leave he as the tank might explode. And get quickly away er in a second or two, How it was afire all ov, as there was nothing I could do. That I had to take off e ground and pitch it in their lap, Yes, I’ ll burn her to thr feel like a sap. And make the collecto and has me on the spot, He thinks he’s so smartyments due, why’s he so hot? There are on ly two pa and always late, He says I’m poor creditd demand a rebate. Now I’ ll pay early an y him before Saturday night, I promised I would pare, I may be right. If the adjuster gets he

Answer: Ritz -Carlton

2002-2003

Ode to the A rsonist

President: Vice President: Secretary: Treasurer: Directors:

Daniel (Dan/Fitz) Fitzgerald (The Hartford Insurance) Catherine (Cathy) Gicker (Allstate Insurance) Glenn Wolf (Liberty Mutual Insurance) Gerald (Jerry/Zap) Zappolo (Bristol West Insurance) Matthew (Matt) Cole (State Farm Insurance) Robert (Bob) Gravier (GMAC Insurance) Kenneth (Ken) Jones (St. Paul/Travelers Insurance) David (Dave) Rioux (Erie Insurance) Tommy Short (Nationwide Insurance) Lars Skaar (Vesta Forsikring AS) Dennis Toomey (Liberty Mutual) Executive Director: Dawn Lipsey (Management Alliance) Co-Counsel: John McHale (Nelson, Levine, de Luca and Horst) Donna Darroch (State Farm Insurance/Sharon Ware)

Who was the first editor of

the newsletter? An sw er : Ke n Ke m pe na ar (Allied Insuranc e)

2004-2005

• Annual Seminar: Phoenix, AZ – September 7 – 10, 2005 • Investigator of the Year: Nancy Keech-Brown (Farmers Insurance) • Public Service Award: Lt. Alan Carpenter (Louisiana State Police) • Outstanding Service Award: Glenn Wolf (Liberty Mutual Insurance)

2005-2006 President: Vice President: Secretary: Treasurer: Directors:

Daniel (Dan/Fitz) Fitzgerald (The Hartford Insurance) Catherine (Cathy) Gicker (Allstate Insurance) Glenn Wolf (Liberty Mutual Insurance) Donald (Don) Howell (AIG Insurance) Matthew (Matt) Cole (State Farm Insurance) Robert (Bob) Gravier (GMAC Insurance) Aaron Quarterman (Progressive Insurance) David (Dave) Rioux (Erie Insurance) Mary Sadousky (MetLife Auto/Home Insurance) Lars Skaar (Vesta Forsikring AS) Dennis Toomey (Liberty Mutual) Executive Director: Dawn Lipsey (Management Alliance) Counsel: John McHale (Nelson, Levine, de Luca and Horst) • Annual Seminar: Palm Springs, CA – September 10 – 13, 2006 • Investigator of the Year: Jon Coachman (GEICO Insurance) • Analyst of the Year: Andrew Marane (Progressive Insurance) • Public Service Award: Det. Patty Smallwood (Westmont, IL Police Department) • Outstanding Service Award: Jimmie Jeter (National Insurance Crime Bureau) • Life Memberships: Dan Fitzgerald (Hartford) & Cathy Gicker (Allstate) 26

2006-2007

President: Vice President: Secretary: Treasurer: Directors:

Daniel (Dan/Fitz) Fitzgerald (The Hartford Insurance) Catherine (Cathy) Gicker (Allstate Insurance) Glenn Wolf (Liberty Mutual Insurance) Donald (Don) Howell (AIG Insurance) Christopher (Chris) Gormley (Nationwide Insurance) Louis (Lou) Larose (AMICA Insurance) Aaron Quarterman (Progressive Insurance) David (Dave) Rioux (Erie Insurance) Mary Sadousky (MetLife Auto/Home Insurance) Lars Skaar (Vesta Forsikring AS) Norm Weisenfluh (Great American Insurance) Executive Director: Dawn Lipsey (Management Alliance) Counsel: John McHale (Erie Insurance) • Annual Seminar: Las Vegas, NV – September 8 – 12, 2007 • Investigator of the Year: Ed Welch (State Farm Insurance) • Analyst of the Year: Diann Williford (National Insurance Crime Bureau) • Public Service Award: Det. Henry (Tommy) Clark (Florida Fraud Bureau) • Outstanding Service Award: Fred Burkhardt (National Insurance Crime Bureau) • Life Membership: Mik Kelly (Hartford)

2007-2008 President: Vice President: Secretary: Treasurer: Directors:

David (Dave) Rioux (Erie Insurance) Catherine (Cathy) Gicker (Allstate Insurance) Aaron Quarterman (Progressive Insurance) Donald (Don) Howell (AIG Insurance) Ronald (Ron) Bryant (Erie Insurance) Christopher (Chris) Gormley (Nationwide Insurance) Louis (Lou) Larose (AMICA Insurance) Gertrud Lehman (Lansforsakringar AB) Lars Skaar (Vesta Forsikring AS) Ellen Withers (State Farm Insurance) Norm Weisenfluh (Great American Insurance) Resigned Mary Sadousky (MetLife Auto/Home Insurance) Appointed Executive Director: Dawn Lipsey (Management Alliance) Counsel: John J. McHale (Erie Insurance)

Fraudulent and abusive auto-inju ry claims are a Fraud and "build costly problem. up" added $4.8 billion to $6.8 to auto injury cl billi aims in 2007 . That means 13 on in excess pay ments pay ments under % to 18 % incr private-passenge eases in r auto policies —Insurance Res fr om 2 0 0 2 . earc h Council, Nov. 2008

• Annual Seminar: Atlanta, GA – September 7 - 10, 2008 • Investigator of the Year: Beth Shroat (Progressive Insurance) • Analyst of the Year: Candace (Candy) Taylor (Nationwide Insurance) • Public Service Award: Det. Alex Gilinets (Los Angeles Sheriff’s Department) • Outstanding Service Award: Don Howell (National Insurance Crime Bureau) • Life Memberships: Dave Rioux (Erie), Mary Sadousky (MetLife), Tom Welsh (NICB) 27

2008-2009

David (Dave) Rioux (Erie Insurance) Catherine (Cathy) Gicker (Allstate Insurance) Ellen Withers (State Farm) Appointed Donald (Don) Howell (AIG Insurance) Ronald (Ron) Bryant (Erie Insurance) Adam Featherling (Unitrin Insurance) Appointed Christopher (Chris) Gormley (Nationwide Insurance) Louis (Lou) Larose (AMICA Insurance) Gertrud Lehman (Lansforsakringar AB) Lars Skaar (Vesta Forsikring AS) Ellen Withers (State Farm Insurance) Mary Sadousky (MetLife Auto/Home Insurance) Appointed Executive Director: Dawn Lipsey (Management Alliance) Counsel: Robert (Bob) Horst (Nelson, Levine, de Luca & Horst)

When was IASIU founded? Answer: 1984

President: Vice President: Secretary: Treasurer: Directors:

• Annual Seminar: Palm Desert, CA – September 20 – 23, 2009 • Special Awards presented to several NASIU/IASIU forefathers in honor of 25th anniversary of the organization: Dale G. Cordy, William J. (Bill) Lundy, Robert J. (Bob) Smith • Investigator of the Year: Tom Cockerill (State Farm Insurance) • Analyst of the Year: Michelle Bergeron (Esurance) • Public Service Award: Michael Vergon (BATF) • Outstanding Service Award: Michael (Mike) McKee (NICB)

2009-2010 President: Vice President: Secretary: Treasurer: Directors:

David (Dave) Rioux (Erie Insurance) Wade Wickre (Nationwide Insurance) Ellen Withers (State Farm Insurance) Adam Featherling (Unitrin Insurance) William (Bill) Augello (Travelers Insurance) Andris Berzins (Federated Mutual Insurance) Ronald (Ron) Bryant (Erie Insurance) Christopher (Chris) Gormley (Nationwide Insurance) Louis (Lou) Larose (AMICA Insurance) Mary Sadousky (MetLife Auto/Home Insurance) Lars Skaar (Vesta Forsikring AS) Executive Director: Dawn Lipsey (Management Alliance) Counsel: Robert (Bob) Horst (Nelson, Levine, de Luca & Horst) • Annual Seminar: Orlando, FL – September 12 – 15, 2010 • Special celebration to commemorate the 25th Annual IASIU (NASIU) Seminar • Investigator of the Year: John Halliday (Sentry Insurance) • Analyst of the Year: (Not Awarded) • Public Service Award: Deputy Robert Gogolin (Hillsborough County FL) • Outstanding Service Award: Cathy Gicker (Allstate Insurance) • Life Memberships: Douglas (Doug) Ashbridge (Farmers), Lars Skaar (Vesta Forsikring AS) 28

2010-2011

President: Vice President: Secretary: Treasurer: Directors:

• Annual Seminar: San Antonio, TX – September 11 – 14, 2011 (JW Marriott) • Investigator of the Year: Pamela Stiefel (State Farm) • Analyst of the Year: Anna Kotsovos (NICB) • Public Service Award: Dave Klimek (FBI) • Outstanding Service Award: Miles Watters (State Farm) • Life Memberships: Ellen Withers (State Farm), Louis (Lou) Larose (AMICA)

The NIC B received 17,000 calls with in the fir st three days of o peration of its new tollfree fraud tip line.

2011-2012 percent of 19 r fo ts n u co ac Fraud 800 billion in $ to n io ill b 0 0 6 the $ lthcare system ea h . .S U e h t in waste ts to between n ou m a d u ra F . ly annual billion annually, 5 17 $ d an n io ill b $125 from bogus includ ing everything kickbacks for to s m ai cl e ar ic M ed services. er h ot d an ts en m t worthless trea , 2009) (Thomson Reuters

President: Vice President: Secretary: Treasurer: Directors:

David (Dave) Rioux (Erie Insurance) Wade Wickre (Nationwide Insurance) Ellen Withers (State Farm Insurance) Adam Featherling (Unitrin Insurance) William (Bill) Augello (Travelers Insurance) Andris Berzins (Federated Mutual Insurance) Ronald (Ron) Bryant (Erie Insurance) Christopher (Chris) Gormley (Nationwide Insurance) Louis (Lou) Larose (AMICA Insurance) Ryan O’Rear (Permanent General Assurance) Mary Sadousky (MetLife Auto/Home Insurance) Executive Director: Dawn Lipsey (Management Alliance) Counsel: Robert (Bob) Horst (Nelson, Levine, de Luca & Horst) • Annual Seminar: Palm Desert, CA – September 9 – 13, 2012 (JW Marriott) • Investigator of the Year: John Boatwright (Travelers) • Analyst of the Year: Mary Durden (GEICO) • Public Service Award: Wendy Derzaph (Los Angeles County D.A.’s Office) • Outstanding Service Award: Walter Swett (Nationwide) • Life Membership: Christopher (Chris) Gormley (Nationwide) 29

2012-2013

President: Vice President: Secretary: Treasurer: Directors:

41 States have enac ted legislation to creat e insurance fraud bureaus. —Coalition Against Insurance Fraud, 20 13

• Annual Seminar: Atlanta, GA – September 8 – 11, 2013 (JW Marriott) • Investigator of the Year: Megan Hall (GEICO) • Analyst of the Year: Shana Marks (NICB) • Public Service Award: Det. Dwight Murphy (Florida Division of Insurance Fraud) • Outstanding Service Award: Ralph Burnham (Pennsylvania Fraud Prevention Authority) • Life Membership: Ronald (Ron) Bryant (Erie)

2013-2014 President: Vice President: Secretary: Treasurer: Directors:

e In 2010, fraud bureaus received mor than 132,000 case referrals from insurers, other law enforcement agencies and consumers.

013

aud, 2 - Coalition A gainst Insurance Fr

Wade Wickre (Nationwide Insurance) Sean Zavala (Farmers Insurance) Ellen Withers (State Farm Insurance) John Kloc (Sentry Insurance) Dallas Barnes (Farmers Insurance) Andris Berzins (Federated Mutual Insurance) Louis (Lou) Larose (AMICA Insurance) Steven (Steve) Piper (Travelers Insurance) Mary Sadousky (MetLife Auto/Home Insurance) Walter Swett (Nationwide Insurance) Brent Walker (Travelers Insurance) Executive Director: Dawn Lipsey (Management Alliance) 12/31/2013 Bill Elliott (Association Acumen) 1/1/2014 Counsel: Gary Reinhardt (Kalbaugh, Pfund & Messersmith) Dennis Kass (Manning & Kass, Ellrod, Ramirez, Trester, LLP) • Annual Seminar: Greensboro, NC – September 14 – 17, 2014 (Sheraton) • Investigator of the Year: To Be Determined • Analyst of the Year: To Be Determined • Public Service Award: To Be Determined • Outstanding Service Award: To Be Determined 30

The Impact of Government Relations: How IASIU Makes a Difference By Howard Goldblatt Director of Government Affairs Coalition Against Insurance Fraud The year was 1984. The Coalition was nine years from being founded. I was a legislative aide to a member of the U.S. Congress, and insurance fraud laws were a mere shadow of what they are today. Yet, fraud investigators had the vision and foresight to found IASIU that year and help bring the anti-fraud effort into the mainstream worthy of national attention. If you look at a map of the U.S. today, you will see 48 states having a specific law defining insurance fraud as a crime. That was not the case in 1984 when few states had specific insurance fraud laws. Same with fraud bureaus. Only a handful of states thought fraud was serious enough to create units dedicated to investigating and bringing insurance-fraud prosecutions. We have seen a strong growth spurt in the last 21 years. More than 40 states now have units. That includes Virginia, which is one of the few states without a specific insurance-fraud law. How did we get to this point? Anti-fraud organizations such as the Coalition have played a significant role in educating the public, lawmakers and regulators on the need for stronger insurance fraud laws. But, let us also note the role of IASIU. We know more about the types of fraud being committed because of the work of IASIU members. This helps lead to stronger laws and regulations. Knowledge is power, and that is a key role of IASIU. Members have continually helped educate the insurer claims staff and other operations. Many IASIU chapters work steadily in educating consumers that fraud is a national scourge. The Coalition has built a strong partnership with IASIU in creating a grassroots web-based effort called Engage to help strengthen state insurance fraud laws. IASIU members are taking their influence in statehouses to the next level. Investigators’ reputations as credible experts will increase the role of IASIU members in lobbying effectively for stronger state fraud laws. This marks the growth of IASIU as an influential organization with a growing impact on the legislative debates. The Coalition has entered its second year of working with investigators as activists pursuing state fraud laws. The two groups are encouraging IASIU members to email their support of fraud bills to their home-state legislators via the Engage system. IASIU members wrote to support creating an automobile insurance fraud authority in Michigan last year. The bill has rolled into 2014. Campaigns also were launched in Colorado, Maryland and Minnesota this year. The Colorado and Maryland efforts succeeded. Minnesota passed a law expanding the ability of fraud fighters to freely exchange case information. Letter-writing is effective lobbying. Most state legislators receive zero correspondence from constituents about fraud issues or bills. These legislators often don’t know a fraud bill exists or much about the insurance crimes being targeted. Grassroots letters from investigators thus may be the first time their lawmakers hear about fraud bills and underlying issues. So legislators take notice when they receive messages from IASIU members. These letters bring fraud bills to light, educate legislators about this crime and the bill’s purpose — and urge how the targeted legislators should vote. It’s time-honored grassroots lobbying and IASIU impact at its best. During a panel at IASIU’s annual seminar last year, an investigator said his state legislator had voted for a bill that would have weakened the state’s anti-fraud efforts. The investigator asked why and the legislator said only because he hadn’t heard from anyone who opposed the bill. Maybe that vote could have swung the other way if he’d heard from investigators. IASIU is expanding its impact and professionalism in so many directions. The Coalition applauds this relentless effort to increase the expertise and role of investigators in strengthening the fraud fight. We look forward to many years of collaboration to stem the scourge of insurance fraud. Howard Goldblatt has been Director of Government Affairs for the Coalition Against Insurance Fraud since its inception in 1993. His career in government and public policy started in New York and includes 10 years of service on Capitol Hill serving on legislative staffs of several members of Congress. Prior to joining the Coalition, he worked as a government affairs specialist for New York-based law firm of Sullivan & Cromwell in its Washington, D.C. office and as government affairs director for the National Health Council. Howard has been a frequent speaker on all aspects of the legislative process and on insurance fraud issues. In his capacity for the Coalition, Howard has testified before numerous legislative committees concerning insurance fraud issues.

A Look Back at the Last Twenty Years of Law Update By Rick Hammond Johnson & Bell, Ltd., Chicago In looking back over the last 20 years, roughly the length of time that I’ve been writing this column, I thought it would be interesting to examine the archives of SIU Today (previously known as SIU Awareness), and provide you with a compilation of the articles that have been published under the Law Update banner. First, because they reflect an interesting peek in the rearview mirror at the legal issues that we’ve encountered in the last couple of decades. Second, because, surprisingly (or not), you will find that we still grapple with many of the issues that have been written about during this time span. It’s also important to note that all of these archival articles are still available for reprint. So, if you see something of interest in the following catalogue of articles and would like a copy, please let us know. A Law Update – Columns from the Last 20 Years • • • • • • • • • • • • • • • • • • • • • • • • • • • •

California Appellate Court Refuses Insurer's Request to Consider the application of Comparative Bad Faith Claim Denied Following an Inadequate Fire Investigation and Insurer Accused of Defamation – The Perfect Storm Court Denies Insureds' Demand for a Confidentiality Agreement as a Condition Precedent to an EUO Court Finds Multiple Recorded Statements of an Insured do not Substitute for an EUO Court finds no Attorney-Client Privilege between Insurer and its Attorney -Lawyer found to have assisted in the Investigation and Evaluation of the Claim Coverage Issues Relating to the Rights of Mortgagees - Economic Crisis Spawns Need to Clarify the Mortgage Clause Denial Letter Alleges Fraud and Triggers Allegation of Intentional Infliction of Emotional Distress Diminution in Market Value of Repaired Vehicles: An Analysis of Property Coverage under the Personal Auto Policy Discoverability of Insurance Company Claim Files Effect of Rescission on a Mortgagee – To Pay or Not To Pay Estoppel of the Right to Demand Proof of Loss Evidence of a Low Impact Collision Does Not Equate To Evidence of an Exaggerated Injury Evidence of Concealment and Misrepresentation Leads to Suit Dismissal Examination Under Oath: Not Just Another Deposition: An Analysis of an Insurer's Right to Examine Its Insured Under Oath False Swearing in a Proof of Loss When does a Mistake Become a Misrepresentation Fraud and False Swearing: An Analysis of the Insurer's Right to Avoid Coverage Fraud in the Application for Insurance - Appellate Court Upholds Insurer’s Right to Rescind Gaining Entry Into a Social Networking Account – Is There a Right of Privacy to Information Posted on Facebook and MySpace? Illinois Supreme Court Broadens the Scope for Extra-Contractual Suits against Insurers Indiana Appellate Court Applies Innocent Insured Doctrine to Corporations Incorrect Address on Auto Insurance Application Justifies Rescission – Economic Conditions May Cause Increase in Rate Evasion Information Sharing With Law Enforcement – Good Faith is Required Innocent Insured Doctrine Creates Potential Loophole Innocent Insured Doctrine Still an Unsettled Area of Law Innocent Corporate Insured Doctrine Reexamined Insurance Companies and Mortgage Companies – Friend or Foe? Insurance Company Claim Files: Are They Discoverable? An Analysis of the Attorney-Client, Work-Product Privileges in Property Insurance Litigation Insurance Fraud Reporting and Immunity Laws – Limitations on the Disclosure of Information

• Insurance Fraud Ring Investigations – Ripe Area for Defamation Suits • Insured Admits Fraud in the Presentment of his Claim: Insurer Still Owes Duty to Third-Party • Insured Demands EUO in a Specific County and on a Saturday: What is the Appropriate Place and Time for an Examination Under Oath? • Insured Demands Public Adjuster’s Presence at EUO – Does an Insurer Have a Right to Bar their Attendance? • Insured’s Exaggeration of Damages in Proof of Loss Causes Policy to be Voided: World’s Best Dressed Man Loses Suit • Insured's Failure to Disclose his Ownership of Home in Bankruptcy Petition causes Estoppel of his Right to Obtain Coverage for Fire Loss • Insured's Initial Lie Followed by a Confession of Truth is an Insufficient Basis for Denial by Insurer • Insured’s Refusal to be Examined Under Oath is Not (Always) a Breach of the Policy If an EUO is not Material to the Investigation or Handling of a Claim, an Insurer Cannot Demand it • Insurer Files Suit Against Public Adjuster – Does an Insurer Have Standing to Sue a PA for Failing to act in Good Faith? • Insurer Has the Right to Demand a Second EUO of Its Insured – Compliance is Not Optional • Insurer Learns the Truth Before the Insured Misrepresents the Facts: Does a Coverage Defense on the Basis of Fraud Still Exist • Insurer Not Required to Reimburse Health Care Provider • Insurer’s Alleged Failure to Meaningfully Communicate with its Insured Supports a Bad Faith Claim • Insurer's Conduct After a Claim is Denied Leads to Charges of Bad Faith • Insurer’s Post-Litigation Conduct Leads to Charge of Bad Faith: The Remnants of Hurricane Katrina • Is There a Statute of Limitations on Bad Faith? Or, Does the Policy of Insurance Control? • Judicial Estoppel – Examination of the Insurer’s Right to Assert a Coverage Defense • Judicial Estoppel Voids Entire Policy – Insured Fails to Disclose Ownership of Jewelry in Bankruptcy Petition • Kansas Court of Appeals Finds Waiver of Right to Assert Counterclaim of Fraud Against Insured • Long Investigations Do Not Equate (Necessarily) to Bad Faith Delay • Louisiana Appellate Court Limits Insurer's Rights to Demand an Independent Medical Exam and Criticizes Insurer's Physician • Misrepresentations and Concealments in the Application for Insurance: An Analysis of the Insurer's Right to Rescind • Mortgage Company Fails to Disclose Foreclosure Proceedings to Insurer – Economic Conditions May Cause Increase in Rate Evasion • No Blanket Rule Protecting the Discovery of Attorney's Investigative Reports • Ohio Court of Appeals Examines Insurer’s Right to Demand Insured’s Tax Returns – Do Tax Returns Shed Light on a Motive for Fraud? • Opinion of Fire Origin and Cause Expert Stricken Fire Labeled as 'Suspicious' is Inconsistent with NFPA 921 Principles • Payment of Claim Doesn't Equate to Waiver of a Fraud Defense: Rights Were Properly Reserved • Pennsylvania Court Orders Deposition of Insurer's Attorney: Claim of Attorney-Client and Work-Product Privileges Denied • Personnel Files of Claim Adjusters and Managers – A Target of Discovery in Bad Faith Litigation - An Undue Invasion of Privacy? • Policy’s Entrustment Exclusion Bars Insured’s Stolen Property Claim: Should Theft Coverage Apply? • Premises Liability Fraud – Evidence of Concealment and Misrepresentation Leads to Suit Dismissal • Public Adjusters: Loss Payees or Assignees? An Analysis of Their Right to Recover Bad Faith Damages Against an Insurer • Rescission Based Upon Fraud in the Application of Insurance – Not Appropriate if Injured Third-Party Exists

• Rise in Foreclosures + an Increase in Mortgage Fraud = More Homeowner Fires Insurance Coverage Issues Arising Out of the Mortgage Crisis • Son With Insured's Power of Attorney Not Obligated To Submit to EUO • State Courts Disagree on the Application of the Innocent Insured Doctrine • State Reporting Law Does Not Make Insurance Investigators 'Agents' of the State • State Supreme Court Rules that Insurer is Not Required to Prove Motive in an Intentional Acts (Arson) Coverage Defense • Supplemental Claims Disputes • Suspect Water Losses: What Does it Take to Prove Fraud? • The Florida Court of Appeals Analyzes Daubert • The Right of Subrogation by an Insurer against its Insured and the Impact of Recent Legislation • Under Investigating Over Investigating a claim – No Matter how you look at it Both = Bad Faith –Insurers must get it just right! • The Use and Abuse of Public Insurance Adjusters – Examining the Scope of their Authority • Vacancy Exclusion for Vandalism and Malicious Mischief – Arson is a Covered Peril • Value of Inventory Stated to Insurer was Forty-Times Higher than Stated in a Bankruptcy Petition Insurer Asserts Coverage Defense of Judicial Estoppel • Waiving the Right to Demand Proof of Loss • When an Insured Becomes a Victim of Fraud, Should Theft Coverage Apply? • When an Insured's Claim Lacks Credibility In looking at this long list of columns, what I find amazing and admittedly a bit disconcerting each time I face a publishing deadline, is that there is always something newsworthy to write about! Thus, courts are increasingly addressing and/or clarifying their positions on matters that concern insurance fraud and bad faith. Meanwhile, with the constant advances of technology, insurance fraudsters are continuing to find new and improved methods and schemes to make our jobs more challenging and Law Update more interesting. With all that said, I would like to use this anniversary issue of to Rick Ham congratulate IASIU and all of its members for the important work that mond is a with the you do, and for your many accomplishments in combating insurance Chicago Shareholder la w fi J ohnson & fraud for the last 30 years. I would also like to take this time to say Bell, Ltd rm of s . erves as and he thanks for the many kind words that I’ve received from you, the na matters r tional counsel on readers both in writing and in person at conferences where we’ve ela insuranc ting to property met, and for all of the gracious invitations I’ve received over the e covera ge, fire a explosion nd years to speak at various IASIU State Chapter meetings. I enjoyed cases an d bad fait H e also se every opportunity to meet with you! Finally, I would also like to h. rv witness o es as an expert say thanks to the IASIU administrative, executive and editorial n insurer bad faith Mr. Ham . staff for allowing me the opportunity to share my thoughts on the mo as the Re nd formerly serv ed legal issues that impact our jobs, and for helping to make my gu Illinois D latory and Admin column worthy of reading. istr ep he is Pas artment of Insura ative Manager fo t-Preside nce’s Ch icago off r the nt of the Defense ice, and Illinois A All the Best for the Next 30 Years! Trial Co ssoc uns Defense and Corp el, a member of th iation of orate Co e Federa their Pro unse tion of per Hammon ty Insurance Law l and Vice-Chair of d was on Committe eo previous ly selecte f two attorneys in e. Mr. d by the the coun Center to Lexis Ne try re xis Insur Award an ceive its Insuran ance Law ce Lawye d he was r also rece America ntly indu of the Year nC cted into Counsel, ollege of Covera the ge an preemine organization tha and Extra-Contr actual nt covera t is comp osed of ge and e the Unite xtra-con d States trac an hammon dr@jbltd d Canada. Conta tual counsel in .com for reprints. ct Rick at 34

The Evolution of Fraud Fighting By Dennis Jay Executive Director, Coalition Against Insurance Fraud www.InsuranceFraud.org Much has changed over the last 30 years in terms of technology, culture, science and even how humans relate and communicate with each other. Fraud fighting has evolved as well. New tools, new laws and emerging partnerships have given a great boost to our shared goal of curbing insurance crime. One of the biggest enhancements is the professionalism of insurance investigators. SIUs started out largely as a handful of former cops or detectives combing the streets for case leads and diving into stacks of manila folders. SIUs today are far more sophisticated operations, often deploying state-of-the-art analytics and taking on highly complex cons run by major crime operations. That growing sophistication is further revealed in the emergence of the analyst specialty. This is a big reason SIUs are widely regarded as valued, relevant insurer team members. Their discipline, impact and leadership in protecting insurer bottom lines and policyholder value increasingly are being recognized by insurer management. IASIU has been there from the start and has proven a valued steward of the profession. IASIU started small as well and has grown into a large international leadership body that’s respected worldwide. IASIU’s training, publications and networking have strengthened careers and elevated the SIU as a profession. In the process, IASIU has helped guide the profession from its infancy into a respected insurance career track. Just think of how many fraudsters have earned criminal convictions — and consumers saved from being victimized — thanks to IASIU’s visible impact on the profession. Yet investigators still are being challenged to stay ahead of changing times. So is IASIU. Like all associations, IASIU must continually work to stay relevant to its diverse members. Paving a leadership road for harnessing new technology will be increasingly important. The exchange of ties and ideas among investigators globally will grow — we must do better at exchanging best practices and many fraud crimes increasingly are transnational phenomena requiring higher levels of international cooperation. Evolving new formulas for meeting the changing education and information needs of investigators is another horizon. Especially, new generations of investigators are growing in prominence within the profession. IASIU will need to keep finding ways to meet their unique professional career needs, modes of thinking and ways of doing business. IASIU has elevated the profession. Its members, in turn, have elevated IASIU. And so the cycle continues. Change is a common byword these days. But what hasn't changed in 30 years is the dedication and will to succeed that investigators show in rooting out fraud. From the old days of manila folders to the modern times of advanced analytics, these inner traits have stayed steady as the profession’s vital core. And for 30 years, along every step of the way has been a leadership association called IASIU. Dennis Jay is executive director of the Coalition Against Insurance Fraud. He has served as Chief Executive Officer since the Coalition's founding in 1993. He oversees the Coalition's three main areas: government affairs, public outreach and research and has brought a variety of organizations together to work collaboratively on fraud issues. Dennis serves on several boards and advisory committees in industry, academia and government. A frequent public speaker, Dennis has written hundreds of articles and reports on fraud. He is a long-standing columnist for SIU Today magazine.

The Past, Present and Future of Fraud in Academics By Michael Skiba, MBA, PhD The term “Big Brother” is widely used in casual conversation (and television) to represent an entity that is always watching. The urban dictionary describes Big Brother as the government, the police, and any other institution or agency that maintains a keen eye on the activity of others. I find it fitting that the term originated from the George Orwell book 1984, which of course was the inception year of IASIU. Let’s re-brand that term with a focus toward our fraudsters – IASIU is always watching. Congratulations IASIU on a successful 30 years as the industry leader in fraud fighting! During the past 30 years, IASIU has provided top tier training and networking in order to support front-line anti-fraud efforts. I am honored to provide an academic retrospective on the last 30 years in the insurance fraud industry. From an academic perspective, there is a drastic difference in the status of fraud between 1984 and 2014. This is evident in all educational areas, such as curriculum development, coursework and research. In a curriculum and coursework context, fraud and white collar crime was almost unheard of in college level coursework in 1984, not really gaining collegiate attention until the 1990’s. I recall approximately 10 years ago I was asked to include a small segment on fraud while facilitating an Introduction to Criminal Justice course. At that time, there was relatively no attention given to this unique crime. That same school now offers several 15 week white collar crime and fraud related courses as part of their core curriculum. Other larger schools have followed suit with this trend and now offer Bachelors and Masters Degrees with fraud concentrations. This coursework is very rigorous and involves all aspects of our daily fraud world, including fraud analytics, interview techniques and investigative tactics. It is important to convey that there are relatively few “new” topics in academics, and our exciting world of fraud has risen to the top as one of the hot areas in education. In academics, peer reviewed articles are the primary method to communicate research. A researcher performs a study, but it then needs to be critiqued by a group of peer reviewers who will need to approve of the methodology and findings prior to publication. This creates a highly rigorous environment for publication. In the topic area of fraud there have been relatively few peer reviewed articles published during these past 30 years. Upon entering one of my school’s academic libraries, a search for peer reviewed articles on fraud would result in possibly a dozen articles, which by educational standards is considered an almost non-existent topic area. This creates an exciting educational opportunity as there are an infinite number of areas to focus research efforts. As awareness of fraud increases in the educational community, so will the publication of peer reviewed articles which can be used to develop highly effective preventative fraud strategies.

ROTHE B IG

As we look ahead to the next 30 years (2044), I am confident that insurance fraud will continue to grow academically, which will help to support the front line efforts of agencies and companies develop their anti-fraud strategies. As we look to the future, fraudsters be forewarned…IASIU is always watching…

w a t chin g

u o y

Michael Skiba has worked in the insurance fraud industry for 20 years; holding SIU investigator, analyst and management positions. He is currently employed in the Special Investigations Unit at Interboro/AutoOne Insurance. He has been teaching for 10 years as a professor specializing in white collar and economic crimes. He is an international speaker and regular publisher on the topic of insurance fraud. He holds an MBA and a PhD with a concentration on insurance fraud. He is also the President of the NY Chapter of the International Association of Special Investigative Units.

Robert Smith • 1995 William Lundy • 1995 Donald Nettle • 1995 Dale Cordy • 1996 Vincent Rapp • 1996* Louis Neidich • 1996 Mark Kleine • 1997 John McHale • 1999 Douglas D. Blank • 2000 Donald L. Howell • 2000 Jay C. Williams • 2001 Gerald W. Zappolo • 2001* Glenn D. Wolf • 2004 Tommy L. Short • 2004 Catherine Gicker • 2006 Daniel Fitzgerald • 2006 Mik Kelly • 2007 David Rioux • 2008 Mary Sadousky • 2008 Tom Welsh • 2008 Doug Ashbridge • 2010 Lars Skaar • 2010 Ellen Withers • 2011 Lou Larose • 2011 Christopher Gormley • 2012 Ron Bryant • 2013 *Deceased 37

Past Presidents’ Retrospectives 30 Years and Going Strong Bill Lundy, CIFI

President, 1984 – 1986, Founder & First Board Member

We were asked to look back at the history of the IASIU and describe what, in a historical perspective, was happening in the world of insurance fraud and how the organization known worldwide as the International Association of Special Investigation Units came to be. Well, here is some history to ponder: an organization known as the National Association of Special Investigation Units actually started in 1984. Before that time, no association of SIU’s actually existed even though some of the early SIU managers and investigators were busy communicating among themselves, trying to put together some sort of communications linkage that they could use for sharing knowledge and data on suspected fraudulent schemes. You see, most of the early investigators were new to insurance. They were almost all former cops from major metropolitan, state or federal agencies. The cops among them knew nothing about insurance and to their eternal perplexity, their new employers, the insurance companies, knew almost nothing about cops. We needed a network. We needed communications. We needed an organization that investigators could join where we could share war stories and information about how the perps were scamming the companies. Our first attempts at communication included a newsletter simply called The SIU Association News, and in its September 15, 1983 edition a plea was made to all readers to come up with a name and form an association where we could communicate on a regular basis. The only name that made any sense at the time was the National Association of SIU’s. But that doesn’t tell the whole story. A look back in history tells us that in the mid 1970’s, arson was sweeping across the nation and the Federal Government created a large national committee to determine the cost and effects of arson. They called their findings, “America Burning”. That was 1973. Soon thereafter, in about 1976, a large insurance company on the east coast called AETNA hired a New York City Fire Marshall by the name of John Barracato. Barracato had been the Deputy Chief Fire Marshall and was suddenly the assistant vice president of the Fire and Fraud Unit at AETNA Life and Casualty. But his SIU was not the earliest. One is believed to have existed in a Boston area auto insurer from about 1974. From 1976 to 1980, a few companies who listened to the reports of the federal findings on arson decided that fire investigation units attached to the insurance companies would be a good idea. They finally considered that arson costs money. Really! They knew that arson drove claims costs; claim costs drive premiums; premiums, when they increase, drive customers away and that, bottom line, it becomes quite expensive. The companies determined that special investigation units were going to be beneficial to the bottom line. It was right around September, 1983 that AIRAC, (All Industry Research Advisory Council) reported findings of some research they had been conducting. They polled 399 P/C companies. 222 responded. 47 of the 222 had SIU’s. 35 more were considering having an SIU. 140 of them did not plan on having one and some companies did not consider that fraud was a problem to them. It’s called the Ostrich Syndrome. A/K/A optorectosis. The early pioneers of the SIU association tried to come up with a name for the organization and, in a newsletter note from December 1983, it was mentioned, tongue in cheek, that, our friend John B. (possibly John Barracato) had suggested the name Insurance and Associated Members of the National Association of Special Task Investigators might be the name. The acronym for the name would be I AM NASTI. We decided it was probably not the best name so John suggested possibly National Association of SIU’s. It seems to have stuck. As of May, 1984, 15 members of the newly forming association met at the Sheraton Sand Key Resort in Clearwater Beach, FL to establish a steering committee and develop guidelines for the new association of SIU’s. This was to be a meeting to form the association and it was held at the International Association of Arson Investigators’ annual seminar. If anyone were to wonder about the initial form of the National Association of SIU’s, one would have to look no further than the constitution and bylaws of the International Association of Arson Investigators. A lot of changes have been made in the intervening years, but NASIU was not originally focused on insurance fraud. In its earliest years, it was primarily focused on arson because it was the biggest known theft by fraud from the major property and casualty insurance companies. All the companies knew they were being cheated in auto accidents and auto thefts but those were minor in comparison to the thousands of dollars lost in a single arson event. The earliest SIU’s had a lot of fire investigators hired from local and state agencies when they either retired or found the hours and conditions working for insurance companies to be much better for extended family life. A cop’s life is tough on families. They were believers in the terms of Star Trek’s commander Spock who said, “Live long and prosper.”

Historically, an organizational meeting had been held the prior year at the IAAI seminar in Tucson, AZ but the association was not yet formed. By that second year, 1984, IAAI was getting a little tired of having investigators lured away from the hospitality rooms and they sort of suggested that we find a different venue in which to set up our fledgling organization. We had a third formative meeting on September 19 and 20, 1984 at the Henry the VIII hotel in St. Louis, MO where elections were finally held and a constitution was hammered out. NASIU was formally born. (Minutes from Harold (Matt) Mattingly 9-20-84) The following year, November 6 – 8, 1985, we met for training at the American Society for Industrial Security Convention in Arlington, VA. They too were not exactly thrilled that attendees were being lured to an alternative association hoping to generate membership and training in an insurance fraud training organization. A request similar to the prior request to go elsewhere and not come back was detected. It seemed about time that the NASIU, as an association in our own right, would have to create its own training opportunities. We needed a training seminar so Bob Smith and I got together and in September, 1986, we held our first independent formal seminar at the Henry the 8th Hotel in St. Louis, MO. Bob and I sweated bullets when we guaranteed at least 50 people would be in attendance. We weren’t overly optimistic. We questioned between ourselves that, in the event we could not generate the 50 attendees, would we be personally responsible for the hotel booking and would our employers cover the debt? Nobody ever said that insurance companies have lots of cash that they like to spend and the National Association had not yet gained world pre-eminence as it has since those early days. 103 investigators plus faculty attended this first NASIU seminar. They represented 50 companies and agencies from the United States and Canada. As of October, 1986, NASIU had 156 members from 63 companies in the U.S. and Canada. The NASIU didn’t last long. In 1986, I was told in no uncertain terms by a couple of Canadian leaders that if we wanted the Canadians to participate in the NASIU, we should definitely consider re-naming it the International Association of SIU’s. An old and good friend, the late Kesley Merry from the Insurance Corporation of British Columbia, placed a rigidly extended forefinger in my chest in 1986 and said something to the effect of “You should darned well think about changing the name of the organization to the International Association of Special Investigation Units.” The suggestion was made that he should put it in writing and propose an amendment to the constitution, which he did, and it was accepted at the 1987 NASIU annual meeting in Denver, CO. It was also at that seminar that the former logo of the IASIU, that being the two magnifying glasses surrounded by the name International Association of Special Investigation Units, was adopted. IASIU evolved. The original Board of Directors of the NASIU included Ken Kempenaar, Glenn Roewe, Harold (Bud) Burke, Bob Smith, Bill Lundy, Harold (Matt) Mattingly, John Dailey, Patt Corr, Jay Williams and Ken Goodnight. Officers of the new IASIU board elected in Denver included Don Nettles, Bill Lundy, Vincent (Vinnie) Rapp, Matt Mattingly, Bob Smith, John Dailey, Glen Roy and Tony Ciprian. In the early years of the SIU’s, we did a lot of research. We were always looking for ways to justify the existence of special investigation units because the accountants at the insurance companies were always wondering if investigators were worth anything. You have to remember that in the early days, the fraud artists were not brain surgeons. Most of them had been living off the proceeds of insurance fraud for quite some time. The insurers were easy marks. The perps knew how to commit a fraud and they knew that the insurance companies really didn’t have a clue about how much it was costing them. By June, 1986, Bests Review was telling us that fraud costs billions of dollars each year and contributes to the current problems of insurance affordability. Really? Six states had established their own bureaus to handle fraudulent claims and the insurance industry was estimating between 3 and 5 billion dollars was being paid out annually for insurance fraud. It was becoming a serious matter.

On a humorous note, a publication known as the Oklahoma Fire Fighter comes with the following suggestions for “things you would never know if you didn’t investigate fires:” • Most people are out of town when their house burns. • Genies start a lot of fires. Who else can get in without a forced entry or a key? • There are people who keep their fire insurance policy in the glove box of their car. • Taverns and restaurants never burn when they are open. • People who never lie about anything will lie to an arson investigator. • For some reason, businesses that are losing money burn more often than businesses that are making money. • Many people believe arson is a private matter to be settled between the insured and the insurance company. Those people often show up on juries. It was in the late 1980’s that fraud started to ring everyone’s bell. The National Underwriter in December, 1986, reported that a health insurance association claims that they have saved more than 52 million in the past two years due to an aggressive anti-fraud campaign. At least one authority in 1985 said that the country had paid out some 425 billion dollars in health care and an estimated 21 billion (about 5%) was the result of white collar crime. “Obviously this cannot be ignored” (no kidding). Auto theft, health insurance fraud, these fraudulent claims were gaining interest. The state of Ohio had created an Ohio Department of Insurance Fraud. The law enforcement agencies were coming on board and getting excited about the waves of fraud that were over-running their communities. The year by then was 1987. Interest in fraud was gaining traction. All the companies started to realize the cost of fraud. That interest has continued, not without some pullback in some of the less informed or less well managed companies. Some companies have found that if they just paid for fraud without complaint, they would stay out of court a little more. They could justify increasing premiums because fraud is a covered peril. But most of the giants of the industry have stayed true and the SIU’s continue to provide outstanding service to these employers both in the U.S. and in myriad other countries. In 1986, the late unforgettable Vincent (Vinnie) Rapp from Erie Insurance took the helm as the new President of NASIU. He would also be the last President of NASIU as he guided the organization into the future as the International Association of SIU’s. It was under his watch that we accomplished that part of the mission at the Denver seminar in September, 1987. In 2014, I looked at the objectives that have guided the organization since its early founding in 1984. They are the same: • Promoting a coordinated effort within the industry to combat insurance fraud; • Providing education and training for insurance investigators; • Developing greater awareness of the insurance fraud problem; • Encouraging high professional standards of conduct among insurance investigators; • Supporting legislation that acts as a deterrent to the crime of insurance fraud.

You have had many outstanding leaders and here we are, 30 years later. The IASIU was not only born but it has expanded enormously with thousands of members scattered across the entire globe. As of 2014, you lay claim to 3,800 members in 600 organizations from 24 different countries. That’s a tremendous expansion from 15 members back in 1984. And you’re not done. IASIU showed its colors several years ago when a couple of agencies tried to absorb the IASIU into a multi-agency structure that would have virtually silenced IASIU and eventually destroyed it. You stood up with a solid steel backbone and said ‘No’ and to this day you remain the unparalleled, unmitigated and undefeated International Association of Special Investigation Units. As one of the first guys to be involved in the association, I am personally and professionally extremely proud to have been associated with you. Thank you for a rich and rewarding past and I salute you as you march into your future. Bill served as manager of SIU at American Family Insurance for 18 years and as their fire and fraud investigator for two years before that. While at the insurance company, Bill always claimed he had the best fire investigation team in the industry and increased his staff to 46 detectives in 12 states. He joined with several other investigators, including the famous Bob Smith, currently of NICB, and founded the National Association of SIU’s which eventually became the IASIU. Bill served two terms as President at NASIU and was a director on the IASIU board for 14 years from 1986 to 2000. He left the insurance company and the IASIU Board in April, 2000 and formed his own private fire investigations business, Midstates Investigations and Technical Services, Inc., where he spent his time digging fires and working with SIU’s on fire files and formation of SIU’s. He retired at 73 in the spring of 2014. Prior to that work, he was a deputy state fire marshal in Wisconsin’s Department of Justice, Division of Criminal Investigation and before that he was a teacher, a narc with the DCI and a crime lab technician (an original CSI) for Wisconsin’s Crime Laboratory. (He claims he was a CSI before anyone knew what a CSI was and wishes he could have solved crime scenes then as fast as CSI Miami does now. Oh yeah, and Dexter was maybe not a role model but he was effective). At 73, Bill can be found on a Wisconsin lake with his lovely Norwegian bride where she out-fishes him regularly but he still operates the motor.

Past Presidents’ Retrospectives Vincent Rapp*

President, 1986 – 1987 *Deceased During his term, the Annual Seminar was held in Denver, Colorado from September, 29 – October 1, 1987. The membership, as of October 1986, was 156 and the name of the organization was changed from “National” to “International.” Excerpted from the October 1986 issue of In House NASIU News: It is with great anticipation and a bit of apprehension that I write to you in this, my first message as President. My anticipation is caused by the tremendous support you, the membership have shown by making our first annual conference a huge success. A lot of behind the scenes hard work was done and my thanks goes out to each of you. The conference was very well attended as other articles in this newsletter will describe. In addition, our ranks have grown appreciably. More significantly, I anticipate following a course of “steady as we go” in light of the solid foundation laid over the past three years. Each of us owe a great deal to past president Bill Lundy and the founding fathers who met in Tuscon in May of 1983 to form NASIU. I have always felt that bigger is not necessarily better and more importantly, the quality of our work will be the real measuring stick in terms of future success. My apprehension is linked with the future. With the growth we have experienced and the talent available within our ranks, a number of thought-provoking issues have surfaced which are inherent in the shaping of all professional associations. The issues, some of which were brought to the floor during the general membership meeting, and how those issues are decided will obviously shape the future of NASIU. The future of NASIU is yours, not the president’s or the Board of Directors. It belongs to the membership, the body for which it was formed. It is my intention to steer a course as laid out by the body and to bring issues of concern to your attention as they are brought to mine. The issue which establishes our commonality is insurance fraud and increasing our ability to effectively prevent, detect and deter it. I sincerely believe our affiliation with this association can provide us with substantive feedback to assist us in this worthwhile endeavor. In order to efficiently respond to the many tasks at hand, we must have a well-functioning organization. Obviously, we must build a structure in order to assist us in decision making. That structure must, however, be flexible to address the changing needs of this growing body. One of my most immediate goals will be to finalize the committees necessary to carry on the regular business of the association. I need your help. Listed below are the general committees: Bylaws • Education • Legislative • Membership • Nominating • Site Selection Please drop me a card or give me a call indicating your interest in serving your professional association. NASIU needs your input and furthermore, from time to time you will be hearing from us on important issues affecting our future. In closing, I would like to thank the membership for your vote of confidence in electing me to serve you. I will do my level best to further the goals of our association and question those issues which may take us off track.

Past Presidents’ Retrospectives Harold (Matt) Mattingly* President, 1987 – 1988 *Deceased

During his term, the Annual Seminar was held in Columbus, Ohio, from September 21 - 23, 1988. The total number of attendees was 173. Excerpted from the August 1988 Issue of In House IASIU News: Dear Fellow Members: Seminar time is here! Tony Ciprian, Bill Lundy, Bob Smith and I just completed the final details of our seminar to be held September 21-23,1988, at the Hyatt on Capitol Square in Columbus, Ohio. We expect to have an excellent seminar with a large attendance. Be sure to register early because space is limited. On September 15, 1988, I will be making a presentation to the 9th Annual Motor Vehicle Theft Seminar sponsored by the Ohio Auto Theft Investigators Association. This presentation will be about the IASIU and its objectives and membership qualifications. I would like to thank the membership for its continued support during the past year. We have been very active in supporting the insurance industry through members giving presentations on our association, its purposes and objectives. Our association is recognized throughout the insurance industry as a quality organization that is combating insurance fraud by promoting fraud awareness through education and training. We will continue promoting this awareness of our association in December when I will represent the IASIU on a panel discussion at a seminar sponsored by the International Association of Insurance Fraud agencies. This panel will be comprised of representatives from PILR, the Index Bureau, NATB, ICPB (Canada), the International Maritime Bureau, Great Britain and the IASIU. In addition, this seminar will be held in conjunction with the conference of the National Association of Insurance Commissioners. I am very proud to be the President of the International Association of Special Investigation Units and I want to thank everyone who has worked so very hard to make it what it is today—outstanding. Remember, there is much to be done. I leave you with a thought, “If it is to be, it is up to me.” From the August, 1988 Issue of In House IASIU News: For the readers who are interested in which cars get stolen most often, Certified Collateral Corporation of Chicago lists the most stolen domestic cars in 1987. They are in rank order: • 1986 Chevrolet Camaro • 1984 Chevrolet Camaro • 1981 Oldsmobile Cutlass • 1985 Chevrolet Camaro • 1986 Pontiac Firebird • 1984 Oldsmobile Cutlass Supreme • 1980 Oldsmobile Cutlass • 1986 Chevrolet Monte Carlo • 1982 Chevrolet Camaro • 1981 Buick Regal

Past Presidents’ Retrospectives Anthony (Tony) Ciprian President, 1988 – 1989

During his term, the Annual Seminar was held in Atlanta, Georgia, from September 18 - 22, 1989. The first Investigator of the Year was presented to Steve Runfola (USAA Insurance). Seminar attendance was 225. Excerpted from the February 1989 Issue of In House IASIU News: As I write this message, your officers and directors have been hard at work at the February Board of Directors meeting in San Antonio, Texas. Ed Faley of the site selection committee has found a truly first class location for our seminar, which will be held at the Terrace Garden Inn, in Atlanta, Georgia, from September 18-22. Bill Lundy, Vinnie Rapp and your Board of Directors have put together a very diversified seminar with topics that will be of interest to everyone. We are expecting to have our finest seminar ever. In December, Bob Smith and I had the opportunity to attend an International Association of Insurance Fraud Agencies seminar in New Orleans. Three of our members, Harold Mattingly, Don Nettle and Kesley Merry, were speakers at the conference. We can take great pride in the fact that our membership is so well respected in the international insurance fraud community. This speaks very well for our membership and our organization. The purpose of the conference was to bring together the major groups and organizations in the United States, Europe, Canada and other countries and to learn about each other’s organizations and how they function. Agencies from the United States, Canada, Australia, Norway and Holland, all of whom had representatives at this meeting were invited to visit the IASIU and to send new members. I would like to take the opportunity to remind you that we will be presenting an outstanding achievement award at this year’s seminar. This will be an annual award that will be given to one of our members that you, the membership, will nominate. I am requesting that you submit the names of members whom you feel are candidates for this award. All nominations should be directed to Bill Lundy and submitted no later than May 1, 1989. The awards committee will choose a nominee from the names submitted based on his or her achievements and contributions to the insurance fraud community. In closing, I would like to thank the officers and the Board of Directors for their continued support and assistance during my first five months in office. I would like to encourage you, the membership, to continue to take part in our organization and encourage others to become members.

Past Presidents’ Retrospectives Robert J. (Bob) Smith, CIFI

Founding Member, President, 1989 – 1990 I said I’d be back from time-to-time. Well, I’m told it’s that “time” again. I doubt the editors want me to ramble on more than every 5 years or so, but I do enjoy observing the progression of this enduring organization and reflecting on those observations – and the past – as we approach various milestones. As I poured over a lot of the historical materials I’ve maintained over the past 30 years, I did take some time to reflect on how we got to where we are today. Notice I said “we”. I think that’s the biggest thing that jumped out at me. “WE” is a very encompassing term. It takes into account a very wide variety of professionals that make up the International Association of Special Investigation Units. As I looked back, the pool of SIU incumbents initially seemed to come from the law enforcement ranks (yours truly included). In retrospect, I think that was a very crucial point, as there was a particular boldness that emanated from that group. Some may say brash, but regardless, that boldness successfully brought the growing problem - and cost – of insurance fraud to the attention of insurance executives in such a way that SIU moved from the periphery to a core operation within most insurance carriers today. As SIUs evolved – in countless ways – so did the makeup of SIU operations worldwide. By combining elements of law enforcement experience, claims knowledge, analytical skills, technology and legal guidance, we have seen a transition to what is now a group of professionals that are truly respected for not only exposing fraudulent claims, but the manner in which it is done. ALL investigations must be conducted in a prompt, thorough, unbiased and professional mien. Period! How that is accomplished may differ from company to company, but is a mainstay around the world. Pre-disposition is an absolute “no-no.” Claim/coverage decisions cannot be made based on conjecture or supposition. They must be made based on facts. Those facts, in turn, must be gathered by – again – professionals. That was a guiding principle behind the genesis of IASIU (or NASIU as it was initially named) and is still paramount today. That principle was not – nor is it today – a computer generated model of investigative conduct. It was instituted by the foresight of people – people who endeavored to do things in a manner that exudes professionalism. Kudos again to that early group for mandating that crucial principle and to those today who continue to make it a vital ingredient in any/all investigations. Whether information is obtained and verified in person, over a phone, via the Internet or any of a thousand methods, it still comes down to the people entrusted with putting those cases together and establishing protocols to make sure it’s done properly. Here again, that was a guiding precedent established by those early IASIU pioneers – as it should have been – and should still be today! My reflections zeroed in on people (too numerous to mention here), but they were people that made up that original founding group. People who forged new concepts. People who stretched that proverbial envelope, but kept integrity first/foremost. People who cared about IASIU, its mission and its members. People who feel – as do I – that it is not who is right, but what is right, that is of importance. I have been incredibly fortunate to have worked for companies that have supported not only the mission of IASIU, but my participation (in whatever role I’ve undertaken) and appreciate the many opportunities it has given me. Reflecting back, the thing I treasure most, however, is that of the relationships I have built, nurtured and enjoy to this day. I am proud to have been a part of the founding and progression of IASIU. I am confident the people who will lead IASIU into the future will likewise reflect some day and be proud of their share in accomplishing great things – and doing so by working side-by-side with like-minded people. People dedicated to doing the right thing. My kids have grown up with this other ‘sibling’ – IASIU. They accepted it as part of the family and have said they are proud of what it stands for. That also makes their dad proud. You, as members of a very worthwhile organization, should be proud as well. And as you sit there 10, 20 or 30 years from now and reflect on the past, I hope you will share the same sense of pride knowing you played a contributing role in making IASIU an institution that exudes professionalism – by the way you conduct yourselves. Bob is the Senior Membership Director at the National Insurance Crime Bureau. Working from his office in Columbus, Ohio, he is responsible for NICB membership countrywide. Bob spent several years in law enforcement before beginning his career in the insurance industry in 1978. The majority of his career has been centered in claims and SIU (Special Investigation Unit) management, having formed two (2) SIU operations and he has been instrumental in developing a variety of anti-fraud programs dealing with property, casualty, physical damage and health care fraud. As co-founder, Officer, Director and Past President of the International Association of Special Investigation Units (IASIU), he saw the need – and continues to press – for greater fraud awareness, detection, deterrence, training and education throughout the industry. Bob engineered the Certified Insurance Fraud Investigator (CIFI) designation during his tenure as IASIU President in an effort to promote education, professionalism and ethical standards by which all SIU investigators should maintain. He has authored articles, actively promotes greater cooperative measures to fight theft and fraud on multiple levels and is a frequent speaker and instructor on anti-fraud issues. 44

Past Presidents’ Retrospectives Donald Nettle

President, 1990 – 1991 On starting my SIU management career with USAA in 1980, I quickly realized the need for new expertise and support. In my search for help, I found there was little industry fraud control related cooperation, communication and training. The major industry sponsored insurance crime fighting organization, the Insurance Crime Prevention Institute (ICPI), did not work directly with, or share its training, contacts and fraud intelligence with company employees, even those with an SIU program. The other major industry supported crime fighting organization, the National Automobile Theft Agency (NATB), focused on auto theft crimes. Law enforcement agencies, including the few states with insurance fraud control departments, were not confident in working with claims or SIU personnel. Industry service providers, such as attorneys, adjusters, private investigators, etc. had little fraud control specialists or interest. In summary, the existing environment did little to promote or support front line SIU fraud control programs. Fortunately, in 1983 while attending a State Fire Marshall association seminar in Tucson, Arizona, I met some other SIU managers also frustrated on finding the seminar had little to do with insurance fraud. This is when I first met Bill Lundy (American Family Insurance), Glenn Rowe (Farmers Insurance Group) and other SIU Managers (whose names I can’t recall). We agreed it was time to develop an industry organization dedicated to the needs of insurance company SIU type programs, which later led to the creation of the National Association of SIU (NASIU), subsequently changed to IASIU after the SIU Manager of the Insurance Corporation of British Columbia (ICBC), Kesley Merry, became a board member. Being one of the founders of IASIU, and serving as either an officer or board member from its inception to my retirement in December, 1999, I was privileged to be part of a period of remarkable growth and accomplishments. A sampling of such IASIU accomplishments includes: the establishment of the annual conference and training seminar; implementing an organization publication SIU Awareness, later changed to SIU Today; the addition of SIU chapters; establishment of the IASIU awards program; promotion of service provider fraud control support and resources; building the SIU contacts and resource database; promotion of the merger of ICPI and NATB into the NICB; creating associate membership categories for the NICB, state and federal law enforcement authorities and service providers considered reliable and essential SIU working partners; and the development and implementation of the CIFI program. After so many years, it is hard to recall any particular accomplishment(s) associated with my time as IASIU President in 1990. An activity I especially recall is working with Robert Smith of the American Educational Institute (AEI) to develop training material and test for the CIFI program. I was very fortunate to serve with a group of highly committed, innovative and motivated SIU leaders who focused on building support for SIU operations. These were exciting pioneer days. Some of the earliest IASIU pioneers I recall working with were Bill Lundy, Robert Smith, Vincent Rapp, Harold Mattingly, Glenn Rowe and John Dailey. Unfortunately, I don’t have the memory or space to name all of the great people who were instrumental in building IASIU up to 1999, when I retired. In summary, I am very proud of playing a part in building this great organization and extend my commendations and thanks to those who continue to make it successful. Happy 30th anniversary to IASIU. After high school graduation, Don served four years in the U.S. Navy from 1954 to 1958. He then used the GI Bill to acquire a BBA degree in accounting in 1962 from Sam Houston State University, in Huntsville, Texas, where he met and married his wife, Shirley, in 1961. They have a daughter and son, both graduates of Texas A&M University. From 1962 until 1980, Don worked in Houston, Texas for the IRS Criminal Investigation Division as a Special Agent and a CID Group Manager. In 1964, he became a Texas CPA and in 1970 acquired a Juris Doctorate Law Degree from the University of Houston and passed the exam to become a member of the Texas State Bar. In 1979, Don was one of 8 Special Agent members of a task force sent to Washington D.C. to develop a financial fraud investigation training course for federal and state law enforcement agencies. In 1980, he resigned from the IRS to accept a position with USAA insurance company in San Antonio, Texas to develop and manage its newly established centralized insurance fraud control program. When he retired from USAA on January 1, 2000, his SIU program had grown from a staff of 2 to a staff of 110.

Past Presidents’ Retrospectives Dale G. Cordy

President, 1991 – 1993 When I was elected President of the International Association of Special Investigation Units (IASIU), I was excited and anxious to take on the challenges that lay ahead. Due to the excellent leadership and foresight of my predecessors, we were in the midst of unprecedented membership growth. As with any business or organization, rapid growth comes with challenges. IASIU now had to accommodate, advance and pave the road for the future with an ever growing membership base while keeping its foundation and purpose at the forefront. One of the immediate issues that needed to be addressed was the time that was required for editing and publishing the organizations newsletter, known as the In-House – IASIU News (the precursor to the SIU Today). Bill Lundy had the responsibility for producing the newsletter and it had become a monumental task. The objective was to hire a professional publisher to write, edit, publish and distribute the newsletter. The problem was how to pay for this. The membership dues would not support this undertaking. Ultimately, we came up with the idea of selling advertisements in the magazine itself in order to support the hiring of a publisher. This turned out to be a phenomenal success, as evidenced by SIU Today, and the publishing awards it has acquired. The second issue was the organization’s daily administrative activities. These responsibilities had become a tremendous burden and, like today, the officers and directors of IASIU donate their time while also maintaining a “real job” that requires their main focus and attention. In order to alleviate this burden on the Directors and Officers, to provide time to deal with the real issues facing the organization and to properly serve the membership, a professional association management organization was hired to manage our administrative needs. I believe it was in the later part of 1992 that we hired our first Association Manager. Again, this was paid for in part with the revenues we derived from the sale of advertisements in the newsletter. The administrator’s duties have grown through the years to include seminar planning and execution which again has taken quite a burden off of the directors and officers. As I used to like to say, “we are no longer a mom and pop operation!” IASIU has become a professional, well respected and widely recognized organization. As the SIU’s grew across the country, the need for local/regional IASIU representation became apparent. The insurance companies could not afford to send all of their SIU members to the annual IASIU training seminar. Therefore, the only benefit a member was receiving from their membership if they did not attend the seminar was a newsletter and a membership directory. While the annual seminar put on by the central IASIU organization focused on global trends and issues, an immediate need became apparent to collaborate and address fraud trends on a more local and regional scale. This led to the creation of regional chapters. As the IASIU organization grew, more and more individuals, private organizations and government agencies became aware of IASIU and its fraud fighting efforts. They wanted to become a part of and contribute to the organization. In order to accommodate this collaboration, additional membership categories were created. In order to create the regional chapters and the new membership categories, constitutional amendments needed to be drafted. A lot of time, effort and frustration went into the development of these amendments for presentation to and a vote by the membership. As Murphy’s Law states, “if anything can go wrong, it will” and it did. In our attempt to ensure that the failure of one amendment to gain support from the membership would not automatically void the others, we inadvertently left in certain wording that would do exactly that. We also failed to include the “Associate Membership” category in the chapters’ amendment. Additional amendments had to be drafted to correct these problems. The amendments were presented to the membership at the annual meeting in September 1992, voted on and passed. This was the first time the organization’s constitution was amended.

In May of 1992, I created a committee, headed by Mike Minella of the CNA Insurance Company. He was charged with the responsibility of exploring the requirements needed for our seminar attendees to qualify for continuing education credits. This undertaking was the initial step toward what eventually became the Certified Insurance Fraud Investigator designation. I am very honored to have had the opportunity to serve as President of IASIU for two terms. As a result of this experience, I have gained numerous lifelong friends and some very fond memories. Yes, at my age I still have a pretty good memory! One of my favorite memories is a letter the IASIU organization received during the Atlanta seminar in September of 1992 from President George H.W. Bush. I had the honor of reading this letter to the attendees during our opening ceremonies. In the final line of this letter, the President stated, â&#x20AC;&#x153;I applaud your education and training programs for insurance investigators and send my best wishes for success in this conference.â&#x20AC;? I too applaud the members of IASIU for the heights to which you have taken this organization and wish you a very successful 2014 seminar.

Dale served as Director of the MetLife SIU for thirteen years. He created the unit in 1985 an time of his retir d at the ement in 1998, he had expanded unit to include the 80 investigator s nationwide. D his time at Met uring Life, Dale served IASIU as a mem of the Board of ber Directors, Trea surer, Vice Presi and President. dent He was the first President to be to two terms. P elected rior to joining M etLife, Dale ha year law enforc d a 20 ement career, in cluding service the U.S. Army, with the Lucas Count y Sheriff's Depar (Toledo, OH), th tment e New Jersey State Pol ice and the New Jersey Atto rney General's Office . At the age of 75, Dale can still be found on the sk i slopes and hiking trails of New Hampshire with his wife Nancy or on a ra cquetball court in Rhode Island.

Past Presidents’ Retrospectives Scott M Conley

President, 1993 – 1995 I joined IASIU around 1987 and attended my first conference in Columbus, OH a couple years later. I was fortunate enough to work closely on several projects with Dale Cordy, Robert Smith, Bill Lundy, Lou Neidich, Don Nettle and others who had been cornerstones of the association. I was honored when invited to join the Board as a Director for a few months to fill in a position made vacant by a predecessor’s change in career. In San Antonio, I was elected to the Board and served a few years before pursuing the position of President. I was elected President in 1993 and the SIU industry was growing significantly and broadening into Canada, South Africa and beyond. During my tenure, we continued support of the recent and expansive growth of IASIU Chapters. The Board and I bridged relationships between diverse organizations with similar missions, including NICB, IAFIA and CAIF. I introduced the concept of the National Insurance Fraud Forum and with the Board’s support, created the first meeting of its kind in Washington D.C. IASIU, NICB, CAIF, various fraud bureaus, federal and state prosecutors and more attended. The purpose was to understand the various roles and objectives each unique group had and to multiply the effectiveness of each through better communication and ongoing support. The result was an enhanced environment where more was accomplished with less and the first publication of the National Insurance Fraud Forum White Paper, which set out guidelines for planning in the years ahead. I am glad to see it is a process that has re-emerged from time to time, to redefine and improve the industry focus on fraud. Concurrently, the NICB Academy was developing its program and our Board was instrumental in contributing to the expectations and curriculum for the model program. The IASIU annual seminar was also growing and being attended by over 1,000 SIU professionals, plus the vendors and other guests. We were also instrumental in launching the vendor and exhibits program, thus making the seminars profitable, allowing IASIU to keep membership and seminar fees to an affordable amount. I look back to that period, twenty years ago, and I am proud to have played a role in IASIU’s growth and continue to stay current as an active member. Even more so, IASIU has enriched my life with greater knowledge, humbling experiences and enduring friendships to this day. Thanks to the many that contributed to my efforts, provided me guidance and supported our mission. Sincere wishes to the future IASIU Presidents and Boards on continuing to define and advance IASIU for the future. Scott has more than 30 years of investigative experience, with 25 of those years focused on insurance fraud issues. His SIU career began in 1985 with Aetna Property & Casualty in New England, then to Metropolitan’s SIU, then back to Aetna to contribute to a growing national SIU program. His career continued into leadership roles in national investigation and forensic engineering firms and national law enforcement training programs. In 2003, Scott joined Progressive’s SIU and since 2006 has been part of their Corporate Investigation Department, focusing on agency insurance fraud investigations. He served on boards and committees with IASIU (President, Officer and Director) NICB, IAAI, ASIS, MAATAI and more. Scott lives in Arizona and enjoys life with his wife Debra, two children and four grandchildren.

Past Presidents’ Retrospectives Larry G. Henning, CFE CIFI President, 1995 – 1996

During my term, the Annual Seminar was held in Tucson, Arizona, from September 8 - 12, 1996. The Investigator of the Year award was presented to Martin (Marty) White (The Hartford Insurance) and Life Membership was awarded to Dale Cordy (Metropolitan Property/Casualty). IASIU has grown as an organization over the last 25 years in size and scope. However, it still has a way to go in evolving as an inclusive organization that brings together all the interested professional parties and organizations that have dedicated themselves to the fight on insurance fraud. Times have certainly changed and so have the options available to insurers, TPA’s, self-insured companies and government when it comes to the available resources and technology available for use in the identification, investigation and prosecution of insurance fraud. Twenty five years ago, the industry and investigators had little in the way of technology to use for identification or investigation of suspected fraud. Nearly all carriers, if they had a formal unit to investigate suspect claims, did so with internal resources and only surveillance was obtained from independent service providers from the private investigation field. Some carriers, especially those with smaller numbers of PIF but large geographic areas, found it inefficient to have an internal SIU and thus sought out outsource solutions. Soon, medium and larger companies alike looked to the private investigation industry to companies specifically dedicated to insurance investigations for solutions to their investigative needs. Today, 25 years later, there are nearly as many SIU investigators employed in the private sector as within the insurance industry, all dedicated to the professional investigation of suspected insurance fraud. Many insurers and TPA’s look to these private companies as dedicated partners and integral to their anti-fraud efforts; some as their outsource SIU solution and many others as an adjunct to assist an overburdened or understaffed internal SIU program. I value and treasure dearly my association to IASIU and the many friends and colleagues I have made over the years from the insurance industry and the investigative field and look forward to many more years of working together toward our common goal of reducing or eliminating insurance fraud where and when we can. Just possibly, it may be time for the IASIU Board and members to consider for membership the thousands of private investigators who are truly dedicated, experienced, professional insurance fraud investigators. How to Take Advantage of IASIU Networking Opportunities! How long does it take to establish a successful networking relationship? here’s really no set answer to that question, but it does take time! How much time does it take to show your peers within our industry that you are professional, credible, ethical and can prove to be a value added expert resource? Again, that takes time! How much time are you willing to invest in building your network not only within the insurance industry, but also with the criminal justice community and service providers to our industry? It is here that you will find the answer to how successful networking will be for you. • Do you have membership in IASIU and other professional groups? • Do you just attend meetings and function? OR • Do you actively participate? • Do you give your time to make the group better? • Do you strive for leadership positions? • Do you actively chair or serve on committees?

1. Join groups or associations that provide you the best opportunity to build strong professional business

relationships that will be mutually rewarding for you and others. Look around, what associations do other investigative professionals belong to?

2. Be prepared to actively participate and contribute to the benefit of the group! Individual success will be born of the success of the group!

3. It takes time to build trust and earn respect. For the first few meetings, just listen and observe. Look for opportunities where you can best fit into the group and make a valuable contribution.

4. Introduce yourself to others in the group; don’t wait for others to come to you. Every introduction is a potential future professional resource.

5. Get one-on-one before and after meetings with someone you have identified as a contributor or someone from

the leadership of the group. You can get to know someone quite well in an hour if you talk about real issues!

6. Be seen as a leader and consistent contributor. Your value as a professional resource to your peers will

increase and you will automatically gain professional contacts and resources for your future use as well.

7. Give first!

8. Don’t keep a scorecard. If you count who owes you what favor, you can forget it. Just get to know the others in the group and provide valuable legal and ethical assistance whenever you can.

9. If you’re sincere about building long-term professional relationships, don’t put pressure on someone to provide immediate assistance. In other words, don’t push.

10. Build professional relationships that breed respect.

The universal recurring networking rules is “Get to know and help quality people, the rest will take care of itself!” Do you have the determination and dedication to build quality professional business relationships? For the past thirty-six years Larry has been a professional investigator and investigations executive. He has 12 years in law enforcement with a metropolitan Atlanta Police Department, with many years in the Criminal Investigations Division and attained the rank of Lieutenant; 9 years with Nationwide Insurance Enterprise as Corporate Manager of Special Investigations at their headquarters in Columbus, OH; and for the past 15 years has been the Senior Vice President with G4S Compliance & Investigations. Mr. Henning currently has responsibility at G4S for the Southern Region SIU, Surveillance, Claims & Operations in addition to the G4S National Fire Team, DB Research Group, and National Accounts. He is a national leader within the Corporate Services/Corporate Investigations Practice and directly leads many risk control, assessment and corporate investigation projects.

John McHale, CIFI President, 1996-1999

Past Presidentsâ&#x20AC;&#x2122; Retrospectives

Tommy Short, CIFI, SCLA President, 1999 â&#x20AC;&#x201C; 2003

I had the honor of being elected to the Presidency of IASIU in my home state in 1999 at the Dallas, TX seminar. At that time, the organization was growing, had international members but no structure for those outside of North America. My goal was to make the organization truly international with benefits for our international members equal to those enjoyed by our US members. I began by fostering relationships with companies in South America and Europe. I was fortunate to team with Claus Caroli, who was then employed with Tryg Vesta in Stockholm, Sweden. I was invited to speak at the Nordic Insurance Fraud conference attended by members of insurance companies in Finland, Sweden, Denmark and Norway. From that meeting came the genesis of the European Chapter of IASIU, with Claus as its first President. Claus and his team then took on the task of organizing and presenting the first chapter seminar in Europe. The torch was passed a few years later to Lars Skaar who grew the chapter into the leading insurance fraud organization it is today with a membership not only in Scandinavia, but also in Eastern and Western Europe and the Middle East as well. During my second term, in 2001, we were meeting for our annual conference in Palm Springs, CA when we received news of the tragic attack on our country in New York City. The attack occurred on the second day of our annual seminar, stranding many of our members, both foreign and domestic, in California with few or no alternatives for returning home. I was proud that the membership, the Officers and Board Members were able to work together, continuing the program and assisting those who needed to leave early in finding a way home. That was a seminar that no one who was there will ever forget. Other achievements accomplished during my term were the change of logo from the crossed magnifying glasses (which many thought were tennis rackets) to the more international logo that we have today; sponsored, along with CAIF and NICB, the first National Insurance Fraud Forum held in Washington, DC and the development of the first 5 year plan for IASIU. The 5 year plan set the path for international expansion and the growth in relevancy and size of our organization. We hosted over 1,000 attendees at the annual seminar in Orlando and grew to over 4,000 members. In all, I was extremely honored to be elected to the leadership position of IASIU and was proud of all that we accomplished for the membership by the time I turned the reigns over to the next President. Tommy Short began his career in insurance in 1981 after serving eight years in local law enforcement. He worked with Farmers Insurance Group, Nationwide Insurance, SafeAuto Insurance and is currently employed with ACCC Insurance. With Farmers Insurance, he was the first Special Investigator for that company in Texas. With Nationwide, Mr. Short served as a Special Investigator, SIU Manager and SIU Director. He established the Special Investigation Units for both the Texas Region and Nationwide Direct, successfully directing SIU operations in over 30 states. He produced operational procedures used to establish and then expand the first SIU Administration Unit for Nationwide, an innovation within the industry at that time. After retiring from Nationwide, he joined SafeAuto Insurance for a short period and is now establishing an SIU for ACCC Insurance out of Houston, TX. Tommy has been active in the SIU profession, serving as President and Board Member of the International Association of Special Investigation Units and as President, Vice-President and Board Member of the Texas Association of Special Investigation Units. He also served on the Board of Directors for several associations, including NICB and CAIF as well as being a member of the Insurance Fraud Committee of Texas, Texas Auto Theft Prevention Authority and the Ethics Committee of the State Bar of Texas.

Past Presidents’ Retrospectives Daniel Fitzgerald, CIFI, CFE President, 2003 – 2007

Being President of the International Association of Special Investigation Units was an honor and a highlight of my career. Like all other Presidents, I went into this position with high hopes and a great many ideas. However, I faced something that no other IASIU President had ever faced: the industry’s attempt to takeover IASIU. Unbeknownst to us, there were industry leaders planning on merging IASIU, the Coalition Against Insurance Fraud and the National Insurance Crime Bureau. For all intents and purposes, IASIU would become a non-entity attached to another fraud-fighting organization. In short, we would slowly disappear. After eighteen months of meetings and heated discussions, it was clear we were not going to merge no matter what the consequences. We voted it down at our annual conference. This was my proudest moment: saving IASIU. There was a price to pay for our refusal to merge, but it was the right thing to do. I had no intention of being the last president of IASIU. Despite the possible repercussions, our members stepped up to the plate and voted a resounding NO to the merge. IASIU is the best organization for insurance investigators in the world. Professional insurance investigators need such an organization for many reasons, including networking and education on the latest fraud scams and investigative techniques. Without IASIU, this couldn’t happen anywhere else. SIU investigators are unlike all other claim professionals; their profession mandates such an organization as IASIU. While all of this “merge-battle” was taking our business off track, we still managed to work hard on our original initiatives. Some of my administration’s accomplishments include: • Developed an inclusion strategy for all members to take an active part • Hired a consultant to develop our 5 year working strategic plan • Developed new website – began first online voting • Created members’ online forum • Started our first Chapter Presidents’ Summit • Changed the name of our Magazine to SIU Today for more relevance • Grew SIU Today magazine by partnering with Claim magazine • Changed IASIU from a dot.com to a dot.org since we were a non-profit organization • Worked diligently with the FBI and NICB during Hurricane Katrina • Enhanced relations with law enforcement and provided investigative auto claim guides • Developed our first Ethics Course with NICB • Partnered with NICB’s NICTA for online fraud education courses • Created new membership and award categories • Conducted surveys to determine what our members wanted from their organization Another very proud moment was winning an APEX Award for the SIU Today article, Marine for Life, the true story of one of our members. This issue resulted in dozens and dozens of phone calls and emails. There wasn’t a dry eye in the house for a long time. And, of course, we handled many more things, including the day to day business. It was all hard work but an absolute pleasure that was very rewarding. I recommend the job to all regular members. Dan was President of IASIU from 2003-2007 and served as a Director from 2002-2008. He is a Fraud Management Consultant (2008-2014) and a Writer/Author. He was a Director of the Special Investigation Unit at The Hartford and a Claims Professional with The Hartford from 1974- 2007. He holds the following professional certifications: Certified Insurance Fraud investigator (CIFI), Certified Fraud Examiner (CFE) and various designations from the American Educational Institute. He is a speaker on many topics, including fraud awareness, auto theft, insurance crime and workers’ compensation investigations. He is also a Licensed Auto Damage Appraiser, Regional Supervisor and was previously certified as a Secondary Education (High School) English Teacher.

Past Presidents’ Retrospectives David J. Rioux CIFI President, 2007 – 2013

This is my twenty-sixth year working in the insurance fraud investigations field. The association has been an invaluable resource to my career as we celebrate its 30 year history. I’m most gratified to have been a member of IASIU for 25 years, and honored to have served ten years on the Board of Directors as a two term director and three term president. My time has been a memorable and rewarding experience. What’s been special to me is working with very dedicated and hardworking members at all levels and areas of the association over the years. We made important progress and realized many achievements. The most significant and impactful accomplishment I’m most proud of is the groundbreaking work that went into positioning IASIU within the industry as a vital and strategic partner with other organizations. When I took the reins in 2007, it was amidst concerted efforts to consolidate industry fraud fighting organizations, resources and efforts spearheaded by the “Chief Claim Officers Roundtable” (CCOR). They concluded existing fraud fighting organizations had redundancy and were inefficient. The solution was to consolidate them into one with a merger of IASIU, NICB and the Coalition Against Insurance Fraud. It was NICB President Joe Wehrle, Executive Director Dennis Jay of the Coalition and I, who agreed to a memorandum of understanding (MOU). The intent of the MOU was to bring our organizations together and create greater synergy by leveraging each other’s strengths, resources and capabilities in the fight against fraud. Signing of the MOU was a humble moment for me as President and for IASIU to receive the recognition it truly deserved. After all, IASIU is still around to tell the story and celebrate 30 years! David oversees the Corporate Security Department for Erie Insurance. Mr. Rioux is responsible for administration of ERIE's fraud program and all company internal and external investigations. Prior to joining ERIE in 2001, he was in the Special Investigations Unit for more than 12 years with Nationwide Insurance. Coming from law enforcement, his experience spans more than 30 years of investigations. He is a three term immediate past president of IASIU and two term director. He has chaired and served on numerous committees over the years and was awarded lifetime membership. He is very active in the insurance industry as Chair of the Claims Fraud committee for the Property Casualty Insurers Association of America; Board member of the Coalition Against Insurance Fraud and member of both the Coalition’s Public Information and Research committees. He is also the author of many published industry articles.

Congratulations to IASIU ...30 Years Strong! Association Acumen salutes the largest group of insurance fraud investigators in the world! Members – Associate Members – Corporate Partners – Strategic Partners Working together as a united front to fight insurance fraud. We are proud to be part of the team!

Chapters

Alabama Chapter Tamy Nelson, President Membership: 25 Accomplishments: The Alabama Chapter of IASIU is a strong chapter with ever growing membership throughout Alabama. Members of our chapter enjoy benefits such as: • Monthly meetings which include presentations on a variety of industry related topics. • Free access to www.al-iasiu.org and www.iasiu.org. • Timely notification of SIU employment opportunities. • The latest and greatest in training news and networking opportunities.

Arizona Chapter Brian Prentice, President Chapter Chartered Year: 1998 Current Membership: 77 members Accomplishments: • Developed the AASIU website and made it possible for our members to renew their memberships and pay for yearly seminars through PayPal. • Increased membership over the past two years from 45 to 77 paid members. • Joint seminar in September 2013 with AATIA (Arizona Auto Theft Investigators Association) in Laughlin, Nevada and had over 300 attendees from Arizona, Nevada, California and New Mexico. • AASIU held its 14th annual seminar on August 14, 2014, with a record number of 15 exhibitors.

Chapters

Arkansas Chapter Shannon Boyd, FCLS, President As the current President of the Arkansas Chapter of the International Association of Special Investigation Units, I would like to let everyone know more about us. Our local IASIU Chapter started in 1996. We have between 25-30 active members annually. We are a small chapter but a mighty one. The Arkansas Chapter meets bi-monthly for lunch (currently at Farm Bureau Insurance Company, 8601 Sheltie Drive, NLR, AR 72113 ). During each bi-monthly meeting, over 20 people attend and we have a guest speaker who discusses a topic related to insurance investigations. All meeting announcements and/or potential changes in scheduling are announced via email to active members. Our purpose is to provide a forum for our membership to network with other investigators; to learn more about innovative investigative techniques; and hopefully learn something new from our guest speakers. There is usually a representative of the Department of Insurance (DOI), the National Insurance Crime Bureau (NICB) or local law enforcement present. On occasion, they will share information on their activities with the group. Weâ&#x20AC;&#x2122;re grateful to our guest speakers for their support of our organization. We also appreciate the insurance companies who encourage their employees to become members of our chapter.

Please view our website at www.arkansasiasiu.com.

If you should have any questions, please contact me at 501-251-3199 or SBoyd@geico.com. Our current Secretary/Treasurer is Ellen Withers. She can be reached at 501-955-6449 or at ellen.withers.gjwc@statefarm.com.

Chapters

California Chapter Keith Levin, President

The Southern California Chapter of IASIU is proud to be a sponsor of the IASIU 30th anniversary publication! Our chapter has two monthly meetings to accommodate our wide geographic area. The members meet in San Diego and Rancho Cucamonga, both locations courtesy of the California Department of Insurance, the host of each meeting. Qualified experts speak on topics such as medical fraud, cell phone technology, auto theft investigations, claim analysis software, chiropractic fraud, pharmaceutical fraud and other areas of recent trends affecting our industry and provide a couple of hours of in-depth training. Our membership has recently attracted more members from the law enforcement communities, such as department of insurance investigators and district attorneysâ&#x20AC;&#x2122; offices. Some of the newer members bring information and training to the membership that affect their specific areas and describe how they are dealing with everything from organized crime and the influx of fraud from European countries and the Middle East which has brought a whole new exposure to insurance fraud trends. The chapter has attracted membership from law enforcement agencies affected by the influx of the Caldean community. They have provided training on their trends, culture and beliefs, that cost our industry millions of dollars annually.

In the past few years, our chapter has grown to almost 300 members. The chapter presented a one day training seminar, hosted by the Ontario Police Department and sponsored by Enterprise Rent A Car, that brought in additional speakers over a full day. Over 100 attendees received updated information on medical fraud dealing with radiology reports and the newest trends in detecting fraud, auto theft security systems and the illegal practice of law and how it affects investigations and our operating procedures, presented by the Colman Law Group, LLC. Each meeting is attended by chapter counsel from Manning and Kass, LLP. Their valuable guidance and training benefits each attendee. Congratulations IASIU on your 30th anniversary!

Congratulates The IASIU on their Year Anniversary.

Manning & Kass has enjoyed collaborating with The IASIU for decades. Dennis B. Kass is Co-Counsel to IASIU and is Southern California Chapter Counsel. Congratulations from the Manning & Kass SIU Team. Los Angeles

Orange County

San Diego

San Francisco

Scottsdale

CONGRATULATIONS TO IASIU

New York

Chapters

Canadian “Trillium” Chapter NASIU + CASIU = IASIU Richard Muir, President David Lowe, CFEI, Vice-President First, on behalf of our entire board and all members of our chapter, congratulations to President Wade Wickre, the IASIU Board and all IASIU members on your 30th Anniversary. An outstanding milestone. I would like to personally thank Bob Smith with NICB and one of the founding fathers of the association for his help with some of the details of this article. As the title states, the history of the founding of the International Association of Special Investigation Units ( IASIU ) is one that speaks of a partnership between the United States and Canada that has existed for many years. Not only do we share the longest undefended border in the world, but we share the investigation of crimes involving insurance fraud. In 1984, some very forward thinking investigators of insurance fraud formed the National Association of Special Investigation Units (NASIU). Investigators from Canada also joined the association. In September, 1987 in Denver, Colorado, at the then NASIU Annual Conference, the existing Board voted unanimously to change the name to IASIU. The driving force behind this change was the members from Canada and the realization of the Board that the 3 year old “National” had become the “International.” The first Chapters in Canada were from the western Provinces and Ontario. The Ontario Chapter was called the “Trillium” after the Provincial flower. For many years, the cross border members enjoyed the networking and joint investigations, but in 1998 or 1999 there was a falling out over differences and members split off and formed the Canadian Association of Special Investigation Units (CASIU), withdrawing their Chapters from IASIU. Over the years, there were still many SIU investigators in Canada that were members of IASIU and eventually talks started about CASIU again becoming a Chapter. In 2011, then CASIU President George Cleverdon and Director, Brian Sartorelli attended the IASIU Conference in Palm Springs and had discussions with the IASIU Board about once again becoming the Canadian Chapter. Both the Boards were excited about the prospect and the wheels were put in motion.

Original Logo & Lapel pin

Chapters

In May of 2012, the IASIU Board travelled to Toronto where a meeting was held with the CASIU Board to address any questions or concerns. Any unanswered questions were addressed in the bar and at dinner after the meeting. Early in 2013, the Chapter Admission Package was completed and submitted under CASIU President Rick Muir. At a subsequent IASIU Board meeting, there was a unanimous vote to accept the Canadian “Trillium” Chapter into the International. Chapter President Rick Muir and Vice-President Dave Lowe attended the IASIU Conference in Atlanta and the renewed partnership was fully launched. Then President Dave Rioux greeted us warmly and during his opening address spoke of the history and how insurance fraud has no borders. The SIU association between the United States and Canada was whole again. Since the launch of the Chapter, the special partnership has already flourished with the New York State Chapter members and Mike Skiba, their President. In February of this year, Dave Lowe attended their seminar in Buffalo and gave a presentation on Cross Border Co-Operation and Mike is set to reciprocate at our Chapter’s Toronto Fraud Forum in September. The Trillium Chapter continues to grow and the seeds are being planted across Canada in the Insurance SIU Industry with hopes of more Canadian Chapters joining IASIU.

We must all remember:

“Networking is one of the strongest tools in fighting Insurance Fraud”

Working together to fight insurance crime Insurance Bureau of Canada, the national trade association for Canada’s private P&C insurance industry, congratulates IASIU on 30 years of leadership on the fight against fraud. IBC is proud to be an IASIU member. Like you, we are committed to fighting insurance fraud, protecting honest policyholders and bringing criminals to justice.

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Stop insurance crime! Submit an anonymous tip at 1-877-IBC-TIPS. For more information, visit the Insurance Crime section at ibc.ca

Why do Police Services utilize the Accident Support Services International Ltd. Collision Reporting and Occurrence Management System (CROMS)? Because, by analyzing the data on their Collision Reports, they are able to conduct proactive traffic safety programs that make roadways and communities safer. • Safer Communities mean fewer claims • Fewer claims result in higher profit margins Why should you, as an Insurance Claims Professional, use CROMS? Because, from your desktop, you can access complete collision data, photos and documents to make informed decisions at the first available opportunity. • Immediately identify suspicious or fraudulent losses • Streamline adjusting and reduce claims handling time • Control secondary tow, storage, repair and car rental expenses • Improve customer service Please contact us at 1-877-895-9111 for information on our CROMS and Collision Reporting Center programs. www.accsupport.com Accident Support Services International Ltd. congratulates the IASIU On their 30th Anniversary

Chapters Rocky Mountain Chapter Kerry Heckman, President Chapter Chartered Year: 1995 Current Membership: 89 Active Members Accomplishments: • We have been around for 18 years, doing what we do, providing the training and networking solely dedicated to fighting insurance fraud. • Assisting with the CAIF grass-roots effort to get a fraud bill passed in the State of Colorado. Senate Bill 14-092 takes Colorado into the 21st Century in defining the crime of insurance fraud. • RMASIU hosts an annual fraud conference that is attended by over 125 people each year.

Delaware Valley Chapter Tom Donahue, President Chapter Chartered Year: 1994 Current Membership: 179 Accomplishments: • Annual seminar with the Greater Pittsburgh Chapter and Pennsylvania Insurance Fraud Prevention Authority in Hershey, PA attended by 600 people. • Annual Toys for Tots Donation. • Quarterly Chapter Meetings attended by 100 people.

European Chapter Oliver Lindsiepe, Germany, President Chapter Chartered Year: 2000 Current Membership: 70 from 10 European countries Accomplishments: • 2002 First European IASIU Seminar in Kolding/Denmark. • Seven successful seminars in Denmark and Germany. • 2008 International Fraud Management Survey. • 2012 First European CIFI Test. The initiative to Start IASIU Europe was taken by IASIU President Tommy Short and IASIU Advisor Claus Caroli back in 2000. The first meeting was at the Nordic Fraud Seminar Helsingør, Denmark that year. The official start was in 2001 with Claus Caroli, Trygg Hansa, Sweden as President and Stein Nausdal as Vice President, from Tryg Insurance Norway. The first seminar of IASIU Europe was outside Copenhagen at Comwell hotel in 2002. Further seminars where held in 2004 and 2006 in Kolding (Denmark), 2008 in Bad Neuenahr (Germany), 2010 in Bad Kreuznach (Germany) and in Dresden 2012/2014 (Germany). In 2004 Lars Skaar took over as President and had the position until 2012. 62

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Chapters

North Florida Chapter Anthony D. Parker, President Chapter Chartered Year: 1997 Current Membership: 38 Accomplishments: • 3 fraud awareness billboards in Jacksonville, Florida donated to North Florida IASIU • New chapter website • New chapter logo • Chapter’s meeting content and speakers offering continuing education credits have boosted meeting attendance and made our membership stronger. • Partnership with NICB and IASIU is also stronger.

Starting an SIU Newsletter By Tom Keegan, FCLS

Excerpted from the April 1994 issue of In House IASIU News: The first newsletter in North America began in 1704. The “Boston Newsletter” reported ship arrivals and other commercial information that people no longer learned officially by word of mouth or from the town crier. In our particular field, the distribution of information is vital for many reasons. An SIU newsletter serves as a valuable tool in marketing our investigative resources, sharing success stories and serving as a vehicle for fraud awareness training. It also heightens the profile and value of the Special Investigation Unit within the corporation. Your first consideration is to know what management and readers want from your publication. Goals, objectives and audience directly reflect your desired result: Who is your audience? Are you catering to the claims staff and management or to other SIU professionals? Is the newsletter going to every employee in the company or to a select number on a specific mailing address? Is this an in-house publication or will it go to your insureds or others outside of your organization? The size of your organization and your objectives will determine the length, frequency, timing, schedule, quantity and budget of your newsletter. For SIU purposes, either a one-page or a four-page newsletter is probably your best bet. In any case, the content should be such that it would not involve any inference of libel or reflect negatively upon your organization or yourself. You may want to consider using generic stories and limit these to those cases which have been successfully concluded. You may wish to withhold the name of the subject involved in a fraud claim, even though it is an internal publication. The content of the newsletter can consist of a variety of features: Legal Update, Case Histories, From the Files, Fraud Indicators, Helpful Hints, News You Can Use, What’s New?, For your Information (FYI), Did You Know…?, Fraud Notes, etc. Materials for the newsletter can come from a variety of other industry-related publications and newspapers with authorization granted and credit given for their use. Interview a law enforcement officer, prosecuting attorney, agent of the Division of Insurance Fraud, NICB, etc. and publish their comments. The bottom line is that an SIU newsletter is essential in marketing and disseminating who and what we are, what we do and the value of all participants in this continuing fight against insurance fraud.

Orlando Chapter of IASIU President: William Howells - Travelers

Directors: Patrick Sidorchuk – FFVA

Vice President: Steffanie Rigetta - State Farm

Dexter Williams Liberty Mutual

Treasurer: Deanna M. Ricci - Travelers

Judy Veras Liberty Mutual

Secretary Kevin Baker - Bristol West

Our Mission: To promote a coordinated effort within the industry to combat insurance fraud, provide quality education and training, to develop a greater awareness of the insurance fraud problems, encourage high professional standards of conduct and to support legislation that acts as a deterrent to the crime of insurance fraud. Our Community Outreach involves gathering supplies for two local charities who provide to children and families in need. Mount Dora Children's Home – This home caters to children who have been abandoned, abused or neglected. We collect school supplies to assist with education. http://www.chbs.org/index.php/home.html Give Kids The World – This facility caters to children who have life threatening illnesses and are affiliated with the Make a Wish Foundation. They try to make each day like a holiday. We collect unwrapped gifts that they can provide to the families. http://www.gktw.org/about/mission.php

THE

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Chapters Florida Southwest Chapter President: Rebeca Gonzalez Chapter Chartered Year: 2006 Current Membership: 26

Accomplishments: • Our chapter is located in the Southwest Florida Gulf Coast. • Our chapter continues to work closely with local police departments, DIF and other state and federal agencies combating Insurance Fraud. Current Chapter Officer(s) and Director(s): Rebeca Gonzalez – President Kathryn Columbia – Vice-President Anne Nicholson – Secretary Kevin Keating – Treasurer

Tom Brady – Board Member Joy Shanafelt – Board Member Gabriel Bidot (Past President) – Board Member

Georgia Chapter

In 1994, Atlanta-area SIU personnel officially founded the Georgia Chapter. Taking the helm as the Chapter’s very first President was Joe Straka. Following are the names of Chapter Presidents, Board Officers/Directors and Lifetime Member Honorees who have served faithfully and significant achievements of the chapter: Chronological Chapter Presidents: Joe Straka, Gary George, Leo Shatzel (Lifetime Member Award- LMA), Leah Cunningham (LMA), Debbie Hatfield, Bob Gravier, Tiffany Hughes, Dave Renaud (LMA), Walter Swett (LMA), Eric Swilley (LMA) and Jim Hammonds (currently serving an additional 2-year term March 2014 to 2016). Other Known Board Officers/Directors: David Pollock, John Steffel, Don McAfee, Jack Morgan, Ray Brown, Jennifer Bramlett, Don Carlisle, Jill Henriques, Gary Cline, Marguerite Girard, Richmond Ellis, Dave Ford, Lanier Jones, Tracy Dennis, Peggy Kingman, Sara Harkey, Waylon Howell, Russ Smith, Jared Clark, Jill Treadwell, Carl Bocchicchio, Jonathan Morgan, Andre Sullivan, Kyle Cravey; and Emily Stuckey. Some historical records have been misplaced, so the sincerest of apologies for anyone missed! Significant Achievements: • Annual one day training conferences presented since 2000 with currently over 150 annual attendees, including 18 Gold & Platinum sponsors • Awards presented have included Chapter Investigator of the Year, Analyst of the Year, Outstanding Service & Public Service Award • Chapter has accommodated growth throughout history by changing or expanding monthly meeting locations as needed, recently holding quarterly meetings in Macon instead of Atlanta/Tucker (most monthly meetings) for our mid-GA members • GA POST certified fraud training now presented to public LE officers and/or prosecutors annually • Vehicle computer mounts donated to fire personnel, Lojack for Laptops bait program and Atlanta PD donation resulted in recovery of 45 stolen laptops and 6 felony arrests • State-wide anti-fraud billboard campaign • Chapter website www.gaiasiu.org (special thanks to Bunny Durden and Jill Henriques) and FB StopInsuranceFraudinGeorgia and continued annual support of noteworthy non-profits such as Toys for Tots and Operation Sandbox None of this would have been possible over the past two decades without the unwavering commitment and support shown to the chapter by our volunteer Directors, Officers and Committee Members and all of our respective employers. The future continues to look bright for our “Peach State” Chapter! 68

Chapters !"#$%&'$((#")*"'&#+&),*&-*#"./0&1,0()*"2&

Chiropractic Review and Consulting Services Records Reviews, Independent Examination or Expert Testimony

1984 Fact:

Average income per year: $21,600

Hawaii Chapter Michael Chan-hin, President Membership: 15

Chapters

    

David O’Carroll, CIFI, FCLS, President On August 13, 1993 the first Board meeting took place involving a group of like-minded individuals who led a coordinated effort within the industry to combat insurance fraud. The first purpose decided on was that as a group, Illinois IASIU would provide education and training for insurance investigators. We do this on a quarterly basis with training and also hold an annual seminar. We encourage the high standards of professional conduct among insurance investigators and we support legislation that acts as a deterrent to the crime of insurance fraud. For 21 years, we have kept this mission and have done this with pride. We also have an annual golf outing where we raise money for a local charity. We encourage you to join us and visit our site ILIASIU.COM. We are so excited to be part of the national organization, IASIU, in celebrating their 30 years and partnering with them in their mission. Congratulations from the Illinois Chapter Board of Directors and we wish you many more years to come.

Indiana Chapter Dave Johnson, President On behalf of the Indiana Chapter of the International Association of Special Investigation Units, I congratulate the International Association of Special Investigation Units on the celebration of your 30th anniversary. The establishment of your association has been a key factor in our expansion in the fight against insurance fraud both here in the contiguous United States and internationally. We are proud to serve as a chapter of the International Association of Special Investigations Units and look forward to many more years of continued success and mutual support.

Chapters Iowa – Nebraska Chapter Linda Miller, President Chapter Chartered Year: 1996 Current Membership: 158 Active and Retired Members Accomplishments: • We have provided training, networking and timely information to our members and the industry for 18 years through annual seminars, lunch-n-learns and a newsletter. • We established an ongoing Insurance Fraud Awareness Campaign to educate the public, increase reporting and deter insurance fraud. The campaign has included bus advertising, radio advertising, billboards and most recently an essay contest for grade school through college students. • We coordinate an annual Insurance Fraud Awareness Week in Iowa and Nebraska and award an annual college scholarship.

rent r u c e h t Who is ent? d i s e r P U IASI

Wickre Answer: Wade 71

Chapters

Kentucky Chapter Dianne Spalding, President Paul Dillon, Vice President Wendy Fox, Secretary Lisa Rush, Treasurer Paul Dillon (left) (Vice President) and Dan Smoot (Operation Unite)

Dr. Randall Braddom Pattern Analysis, Inc.

Matthew Smith (Smith, Rolfes and Skavdahl)

Charlie Carter (KY DOI) and Dianne Spalding (President)

The Kentucky Chapter of IASIU is proud to be a sponsor of IASIU’s 30th Anniversary publication! The Kentucky Chapter hosts several meetings each year in an effort to train and educate local investigators on current trends and topics relevant to the fight against insurance fraud. 2014 continues to be a banner year for the chapter: • With the help of the Kentucky Chapter Board of Directors and many involved sponsors, the chapter held a statewide seminar on June 17, 2014. The seminar consisted of five excellent presenters covering topics relevant to a broad constituency. Over 90 attendees, including insurance company investigators, law enforcement, claims managers and the legal community participated in this event. • Through our active partnership with the National Insurance Crime Bureau, (NICB), CBS Outdoor and exhaustive efforts by our current president to increase public awareness of the costs of insurance fraud, several billboards are set to be displayed in the Louisville, KY metropolitan area in the latter part of 2014. Other efforts are also well underway to display the message on a Louisville metropolitan bus. The Kentucky Chapter leadership and members look forward to continuing our support of the mission set forth by the International Association of Special Investigation Units. For more information, please visit our website at http://www.kyiasiu.org/home.

Proudly Serving the Insurance Profession and Supporting IASIU

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Chapters Louisiana Chapter President: Lisa Barras Chapter Chartered Year: 1995 Current Membership: 40 Accomplishments: • 2014 – Advanced legislation in Louisiana to add additional fraud definitions to RS 22:1941. The chapter worked with the Department of Insurance, Louisiana State Police, Department of Justice and Senator Morrish. Present law defines "fraudulent insurance acts" to include various acts committed by a person with intent to defraud an insurance company. Proposed law adds the following acts: (1) Impersonating an insurance company or a representative of an insurance company for the purpose of executing a scheme to defraud a person. (2) Impersonating another person or entity and purporting to have the authority to direct healthcare treatment for the purpose of executing a scheme to defraud a person. (3) Receiving money or any other thing of value as a means of compensation done for the purpose of defrauding a person. • 2012 – The chapter worked with the Department of Insurance, Louisiana State Police, Department of Justice, and Senator Morrish to amend current law and adopt new law for fighting insurance fraud. Designated funds have been set aside for the Department of Justice to seek treble damages, with cases going direct to the Department of Justice, which can circumvent the local district attorney. The intent of the new law is to generate dollars in an effort to do away with or reduce the current assessment. The new law was named after the two slain Louisiana Department of Insurance agents, Kim Sledge and Rhett Jeansonne.

Maryland – Chesapeake Valley Chapter Jon A. Willis SCLA, President Chapter Chartered Year: 1990 Current Membership: 90 Members Accomplishments: • The Chesapeake Chapter, also known as the DELMARVA (Delaware, Maryland and Virginia), has been meeting since before there was an IASIU. We began meeting for breakfast once a month with 10 investigators and 1 Attorney who we all used for EUO’s. As the group grew, our meeting location changed to the US Post Office in Columbia, MD. We were chartered then and soon outgrew that location. • Over the years, we have met and spun off other organizations that dealt solely with auto theft and prevention. We hold quarterly meetings at various offices of the members to discuss issues and trends. We conduct training with law enforcement and educate them on the changing trends that affect their reporting process. We exchange information within the group and work with the NICB to foster strong relationships in and outside the network. I have been a member since its inception and began my SIU career with the ICPI in 1981. I took over as president of the chapter in 2013.

Chapters Michigan Chapter Jason Keller, President Current Membership: 255

Minnesota Chapter Michael L. Urbanski, CIFI, CFE, CFI, President Chapter Chartered Year: 1992 Current Membership: 85 Accomplishments: • Annual Fraud Awareness Week during February of each year since 2009 • Established scholarships for Minnesota Police Explorers, Engineering and Criminal Justice • Training Programs – Two seminars each year and Quarterly Training Meetings

Visit www.iasiu.org and investigate all that IASIU has to offer. 75

Chapters

The Metropolitan St. Louis Chapter-IASIU welcomes you

to the 2014 International Seminar. The St. Louis Chapter has

OFFICERS

enjoyed a 16 year history of

Susan Jedlovec – President

networking and training

State Farm Insurance

opportunities for our

Walter Waggoner – Vice President

members. We have partnered

NICB

with FBI agents, postal

Mike Humphreys – Secretary

investigators, O&C/Fire

State Farm Insurance

investigators, Department of

Julie Valenti – Treasurer

Insurance investigators and

State Farm Insurance

countless medical

professionals to provide

DIRECTORS

education and training at

Cindy Barton –AAA

our Chapter meetings and

George Lasho – State Farm

during our annual training

Shellie Lee – State Farm Glenn Logan – Progressive

seminar.

Terry Sells – NICB Dave Seymour – AAA

Please contact President

Steve Winston - Geico

Susan Jedlovec at (314)

393-7078 to learn more about our Chapter.

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Chapters Nevada Chapter Chris Maxwell, President Chapter Chartered Year: 2001 Current Membership: 30 Accomplishments: • The Nevada chapter sponsored an auto arson course at Clark County Fire Department training facility, where five autos were ignited in various ways. Besides chapter members participating in this free training, claims personnel, members of local law enforcement, and the Nevada Attorney General’s Insurance Fraud Unit were invited, for a total of 48 people in attendance. • The chapter was successful in soliciting IASIU to hold their annual seminar in Las Vegas. All chapter members participated in various organizational roles to support the success of the seminar and its ancillary functions.

New England Chapter Rob Bodoni, CIFI, FCLA, AIC, AIS, President Chapter Chartered Year: 2005 Current Membership: 80 June 2013 Training Seminar co-sponsored by NICB with (from left to right) Lou Larose, Joe Wehrle and Rob Bodoni

Accomplishments: • The chapter has partnered with the New England Association of Insurance Fraud Investigators and the Commonwealth of Automobile Reinsurers to provide the industry with cost containment seminars and training annually. The seminars, which began in 2006, have been well received with growing interest each year. The attendance figure of 127 in 2006, 135 in 2007, 130 in 2008, 409 in 2009 and 412 in 2010 demonstrate the success of the seminars. This trend has continued over the last few years. • The 2014 Insurance Fraud Training Expo was presented in conjunction with the Massachusetts Insurance Fraud Bureau with an attendance of 215.

• Over the past 9 years, the New England Chapter has earned the reputation of a well-run professional organization which has provided the SIU industry and law enforcement with premier training opportunities, partnering with NICB, IFB, NASP as well as other industry groups. The continuous enhancements to our website, www.neiasiu.org, has allowed for good communication on association activities as well as ease of use in paying online for membership dues and seminar attendance.

Chapters

New Mexico Chapter Jeff Ferner, President The New Mexico chapter was established in September of 1997. Our board then was: Lindley Werkeiser (USF&G), President DeWayne Strader (GEICO), Vice-President Debbie Bristow (State Farm), Secretary Among our directors were John Dear of NICB and John Maruffi of CNA Insurance. Of that original group, the remarkable Debbie Bristow is just retiring this year from State Farm after 27 years of service and John Dear is still going strong, working a part time schedule in the Albuquerque Police Department’s Auto Theft unit after a full career with law enforcement and another one with NICB. Since those early days, our local chapter has established a very strong liaison with law enforcement and the State Insurance Fraud Bureau and continues to work hand in hand with those groups daily. Our local state department of insurance, the New Mexico Insurance Fraud Bureau, had a reinvigoration in the past year when they came out from under the control of the State Public Regulation Commission and became a standalone agency. Since that time, prosecutions and case involvement have trebled in number and the majority of their staff attends every IASIU meeting. Prosecutions are at an all-time high, thanks to the fraud bureau’s new leadership and strong presence. Our current membership stays continuously at around 20 industry members as well as 30 associate members or law enforcement associate members. At any meeting we have a great turnout of at least 20 people. We have hosted several training seminars from NICB for local membership and were happy to host a presentation from “Lojack,” announcing the kickoff of their entry into the New Mexico market earlier this year. Our association welcomed the hiring of a new NICB agent for our territory this past year. Mr. Dominic Pargas came on board and has managed to make nearly every association meeting and has been instrumental in a large number of case referrals and prosecutions. The current New Mexico Chapter IASIU Board for 2014 is as follows: Jeff Ferner (Nationwide), President Kathleen Austin (GEICO), Vice President Laura Landress (State Farm), Treasurer Michael Ziegler (GEICO), Secretary Every year is a growth experience but our association is on firm footing and our members go out and fight fraud for our customers every day.

EXPERIENCE, EXPEDITION, EXCELLENCE

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Chapters

New York Chapter Michael Skiba, MBA, PhD, President In the early 1990’s, a like-minded number of insurance company special investigators working in New York State started meeting in small groups. In late 1996, those investigators decided to form a chapter of IASIU, with Dianne Tuzzolino of Allstate being the driving force behind the chapter’s formation. In November of 1996, these investigators held two meetings and 10 Allstate investigators along with 10 other IASIU regular members signed a petition to form and maintain an IASIU chapter. Five of those petitioning 20 investigators are still active in the chapter. In January 1997, NYSSIU’s binding letter of agreement was submitted to IASIU and approved. The inaugural meeting of the newly formed NYSSIU was held April 16, 1997, with then Acting Superintendent of the New York State Insurance Department, Greg Serio, and New York State Insurance Fraud’s Bureau senior investigator, Stan Radwan, serving as guest speakers. By 1998, NYSSIU had 74 active members and held a two-day “Upstate New York Fraud Symposium” in Syracuse. The first chapter elections were held that same year. NYSSIU Officers and Board, April 2014

Over the past 17 years, NYSSIU has supported the fraud-fighting efforts of both the insurance industry and law enforcement by conducting quarterly training sessions with presentations by industry experts, law enforcement investigators, agency officials and members of NICB. The education NYSSIU provided to its members and guests at its regular meetings is second to none. Recent meetings included presentations by representatives of the new Canadian chapter of IASIU and Howard Goldblatt of the national Coalition Against Insurance Fraud. NYSSIU’s support has also included grants to law enforcement. One such grant was made in 2007 for the purchase and training of an arson dog named Shadow for the Arson Bureau of the New York State Office of Fire Prevention and Control. Within two short years, Shadow was involved in 18 cases and sniffed out 66 positive indications that resulted in 10 criminal convictions. Recent donations included digital cameras for accident reconstruction to the New York State Police and to the New York State Fire Academy for arson investigation training. NYSSIU has continued to grow and now has over 160 regular and associate members and 28 supporting partners. Led by its current president, Mike Skiba of Interboro/AutoOne Insurance Company, the chapter has expanded to include all of New York State and has leveraged partnerships with other industry associations and neighboring IASIU chapters to continue NYSSIU’s mission to promote awareness of and provide training to fight insurance fraud.

Howard Goldblatt, February 2014

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      

      

                    

                 

       



                         

      

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Chapters Oklahoma Chapter Alvin Ice, President Chapter Chartered Year: 1995 Current Membership: 48 Accomplishments: • Yearly law enforcement training • Monthly chapter meeting training • Yearly member only training

Oregon Chapter Robert T. Steenbergen, CIFI, President Current Membership: 63

Greater Pittsburgh Chapter Diane L Svec, President Chapter Chartered Year: May 17, 1994 Current Membership: 67 members

Accomplishments: • Since 2004, we have donated $14,000 to various charities. • For 5 strong years, co-sponsor of the PA Insurance Fraud Conference, which has grown to over 550 attendees. • Over 10 years, we have provided financial assistance to SIU & law enforcement members to attend the IASIU international and local chapter seminars.

Puerto Rico Chapter Javier Aviles, President Membership: 3

Chapters

Tennessee Chapter Rockwell Dukes, President Chapter Chartered Year: 2012 Current Membership: 25 Accomplishments: • We were chartered in 2012 with only 13 members, but have grown steadily since then. • Our website (TNIASIU.org) provides links to commonly used resources, links to sponsoring vendors and we can accept credit card payments for dues through the website. • Meetings are held quarterly in the Nashville, TN area, in order to be accessible to our statewide membership. • Outside speakers present relevant training at every meeting. • In the fall of 2014, we will be holding our first annual training seminar.

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We’re celebrating 30 years with you and looking forward to the next 30! Congratulations IASIU!!!!

Congratulations IASIU on your 30th Anniversary! Managing Partner Michael W. Johnston Certified in Civil Trial Law by the Texas Board of Legal Specialization since 1991 Certified in Consumer and Commercial Law by the Texas Board of Legal Specialization since 1993 Certified in Civil Law since 1992 and Civil Pretrial Practice Advocacy since 2012 by the National Board of Trial Advocacy

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AV – Preeminent (highest rating) by Martindale Hubbell AM Best Recommended Insurance Attorney 2002-present Texas Super Lawyer by Thomson Reuters 2005-present Former adjunct professor of Insurance Law

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DALLAS LOS ANGELES SAN DIEGO

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MICHAEL R. PARKER Managing Partner

IASIU Chapter Attorney of the Year: 2001, 2006 IASIU Certiﬁed Insurance Fraud Investigator Former SIU Investigator for Major Insurance Carrier

KYSON M. JOHNSON Partner

National Prosecutor of the Year by Coalition Against Insurance Fraud: 2011 Texas Prosecutor of the Year by the Texas Advisory Council on Arson: 2008 Former Prosecutor for the Texas Department of Insurance: 2005-March 2014

ANDREW ROBERTSON Senior Attorney Selected as Rising Star, Texas Super Lawyers list: 2011, 2012, 2013, 2014 Selected as Rising Star, Georgia Super Lawyers list: 2010

Industry Knowledge and Experience Result in Favorable Judgements Providing cost-effective legal services without compromising aggressive legal representation. Our attorneys have a proven track record handling cases involving complex fraud, civil litigation, insurance coverage, qui tam, transportation, subrogation, and insurance defense litigation. WATCH LIVE-VIEW EUOs IN COMFORT www.parkerllp.com |

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Chapters Virginia Chapter Michael F. Burton, FCLS, President Chapter Chartered Year: 1992 Current Membership: 130+ Accomplishments: The IASIU Virginia Chapter has a proud history that began many years before our current organization was chartered. Although an exact date was never formally recorded, we can confirm that the roots of our organization extend back into the 1980s, when less than a dozen dedicated investigators representing a handful of insurance carriers began meeting in Richmond, Va., to discuss the shared problem of fighting insurance fraud in the commonwealth of Virginia. Over the course of the next several years, the "Mid -Atlantic Fraud Investigators Association" grew into a larger organization, dedicated to providing education and building relationships with other industry partners and members of law enforcement. Many of the charter members of this organization were already members of the International Association of Special Investigation Units (IASIU) when the opportunity was first offered to form state-based IASIU chapters. In 1992, the Virginia Chapter was officially granted one of the first state chapter charters and we adopted the by-laws set forth by the International Association. Within the next seven years, Virginia IASIU would use these principles to form relationships with the Virginia State Police in an effort to create an organization that would exemplify fraud fighting on a greater level than ever before seen in the Commonwealth. Our Legislative Committee began a steadfast campaign circa 1997 to pass legislation that would provide for a dedicated law enforcement agency to specifically target the investigation and prosecution of insurance fraud. Along the way, our efforts were met with several oppositions and political pitfalls. For example, we slept on wooden benches in the Virginia General Assembly, waiting to testify before legislators at 3:00 a.m. Our dedication was rewarded on January 1, 1999, when the Virginia State Police Insurance Fraud Program (VSP IFP) was instituted through legislation approved by the General Assembly. The mission of VSP IFP was established to address the crime of insurance fraud in Virginia by conducting thorough, professional insurance fraud investigations; providing insurance fraud training for law enforcement personnel; and increasing citizen awareness and cooperation through educational and rewards programs. In May 2012, we held our 20th annual seminar in Richmond. During this two-day milestone celebration, we gave special recognition to those individuals whose contributions led to our current success. Even during a difficult economy, the attendance exceeded our expectations and support for our program was tremendous. The surveys reflected that we remain on-target in terms of fulfilling the needs of our membership by providing innovative and educational programs. Approximately four years ago, an initiative was proposed to create a joint program to train insurance fraud investigators (SIU, NICB, and VSP) and our commonwealth prosecutors to work together in a team-based environment for the sole purpose of prosecuting insurance fraud. Following the model of the Virginia State Police's highly-successful "Top Gun" narcotics program, this innovative strategy was officially named "Red Flag.” As we approach our fifth annual Red Flag academy in October 2014, the results of this innovative program are highly encouraging: • SIU investigators are given the opportunity to showcase skills that allow us to protect corporate assets and work within the industry to fight insurance fraud in the civil courts. • Law enforcement and our commonwealth’s attorneys demonstrate their ability to serve and protect the public by prosecuting offenders in the criminal courts. From these partnerships, SIU members gain a greater insight into the role that we play in this process. Working together, our combined efforts make the Commonwealth of Virginia a better place to live and conduct business. The Virginia Chapter of IASIU has a solid foundation and our wall of defense continues to grow in strength. As we enter our next decade, a "Red Flag" flies high above the top of our wall as a powerful symbol of unity to fight insurance fraud throughout the Commonwealth. Just wait until you see what we build in the next 20 years!

Gary R. Reinhardt Kalbaugh, Pfund & Messersmith, PC 901 Moorefield Park Drive Suite 200 Richmond, Virginia 23236 Gary.Reinhardt@kpmlaw.com (804) 521-6448 (direct) (804) 320-6312 (fax)

Chapters Washington – Puget Sound Chapter Leslie Hasson, FCLS, President Chapter Chartered Year: 1993 Current membership: We currently have over 80 active members. In 1993, eighteen professional investigators from various insurance companies in the Puget Sound area came together to address the growing issue of insurance fraud. That group formed a local chapter of the International Association of Special Investigation Units and the chapter was named the Puget Sound Special Investigators Association (PSSI).

Accomplishments: • We are currently planning our 21st annual fall conference, bringing insurance investigators, law enforcement and attorneys, as well as experts together for training and networking. • In 2006, PSSI was the driving force in helping to create Washington’s first Insurance Fraud Bureau which currently has 4 fulltime investigators, an analyst, a director, and a part time prosecutor assigned to the unit. • We have worked hard to develop a successful line of communication between insurance companies and law enforcement. Our SIU members have contacts in law enforcement, the Washington Department of Insurance as well as our local NICB agents. Because of this relationship, we have successful prosecutions in Washington.

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Chapters West Virginia Chapter Vickie Neal, President – Nationwide Insurance Lisa Prater, Treasurer – BrickStreet Insurance Greg Waybright, Secretary – Nationwide Insurance

Steve Bodge, Event Organizer Past President of WV IASIU Nationwide SIU Major Case Manager The West Virginia IASIU Chapter co-sponsored the first annual West Virginia Fraud Symposium in Charleston, WV on October 10, 2013. The event was unique in that it was the first time a joint training seminar involving more than 100 investigators from law enforcement, the insurance industry, retail loss prevention, Homeland Security and federal and state regulatory agencies in the Tri-State region had taken place. The seminar provided specialized training on investigative techniques, resources, fraud trends, case studies, prosecutorial presentations and effective organized crime ring investigation. The event was sponsored through donations made by BrickStreet Insurance, Kroger Corporation, NICB, NADDI, and the West Virginia Fusion Center. Jerry Cole, National Intelligence Specialist for the Southern District of West Virginia United States Attorney’s Office, has been instrumental in coordinating communications meetings at the WV State Police Academy Professional Development Center. As a result of those partnerships, the WV IASIU Chapter has expanded its networking capabilities through intelligence meetings, instant messaging and case studies.

Giving back to the communities in which we live and work is part of the BrickStreet 360° philosophy; our dedication and compassion to service areas extend long past working hours and office locations. At BrickStreet we understand a community is more than the sum of its parts – that’s why we are proud to support organizations that make a positive difference, helping our local and regional communities grow to their fullest potential. TM

BrickStreet Insurance joins the West Virginia Chapter in congratulating IASIU on its 30th Anniversary.

Wisconsin Chapter International Association of Special Investigation Units The Wisconsin Chapter of IASIU promotes a coordinated effort to combat insurance fraud by: Providing education and training for the insurance investigator; Developing greater awareness of the insurance fraud problem; Encouraging high professional standards of conduct among insurance investigators; and Supporting legislation that acts as a deterrent to the crime of insurance fraud. The Wisconsin Chapter Members and the Board of Directors would like to thank and congratulate IASIU for an outstanding 30 years of service to the Industry. Stephen D. Starkey President Gregory Peterson Secretary Bob Ziemanski Director

Garrett Boeckeler Vice President Kenneth Kalal Treasurer Jolene Cloyd Director

www.wiasiu.org

Congratulations IASIU

Sentry Insurance is one of the largest and strongest mutual insurance companies in the U.S. For more than 100 years, weâ&#x20AC;&#x2122;ve protected businesses, families and individuals. From all of us at Sentry Insurance, congratulations IASIU on 30 years of combating insurance fraud and serving as a vital resource to our industry. And a special thank you to the Wisconsin Chapter IASIU for their continued fight against insurance fraud in our home state. 877-373-6879 â&#x20AC;˘ sentry.com

Property and casualty coverages are underwritten by a member of the Sentry Insurance Group, Stevens Point, WI. For a complete listing of companies, visit sentry.com. Policies, coverages, benefits and discounts are not available in all states. See policy for complete coverage details.

Awards Committee

J. Russell Kesler, Chair Over the years, the Awards Committee has had the privilege of viewing superlative examples of the incredible investigative work of our members. The hundreds of nominations have revealed investigative excellence abounds in the investigation of single claims as well as those investigations involving organized groups and multiple organizations. One characteristic prevalent across the years and across all types and sizes of investigations is the “never say quit” attitude of our members. In many, if not most of the investigator, public service and analyst of the year award nominations, there is evidence of the investigator or analyst prevailing in spite of “dead end” leads, mountains of documents, corporate ownership mazes, nebulous clues and plaintiff’s counsel. In the end, our members’ investigative and analytical expertise coupled with the ability to uncover the truth has brought the fraudulent activity into the light of day. This “stick-to-it-tiveness” quality is a testament to the professionalism of our members. IASIU was among the first in the industry to recognize the importance of insurance fraud analysts in the detection and investigation of insurance related crime and created the Analyst of the Year award in 2006. Since this time, the incredible results skilled analysts have achieved have been highlighted through the award nomination process. The analyst’s ability to provide investigative leads, detect previous claims, uncover hidden identities, reveal assets, prove ownership interests, discover relationships and identify organized groups have become a major weapon in the fight against insurance fraud. While the Investigator, Analyst and Public Service awards focus on investigations occurring during the award year, IASIU acknowledges the dedication of its members that span years and even decades. Via the Outstanding Service Award and the Life Member Award, IASIU recognizes the contributions its members have made through years of delivering anti-fraud training, conducting legislative activity, working on IASIU committees, serving on chapter boards and a multitude of other anti-fraud efforts. These members have dedicated a major portion of their lives to the fight against insurance fraud. Through the award, IASIU is able to say “thank you” to these members, providing incalculable worth to our organization’s efforts. The annual awards are important because, through the international and chapter awards process, IASIU is able to shine a spotlight on the amazing work its members do.

Certification (CIFI & CIFA) Committee

Mary J. Sadousky, CIFI, Chair As IASIU grew, it became clear that the SIU investigators had become an experienced, professional body, and the board wanted to do something to award those investigators who had the knowledge and experience that made this profession stand out. The Certified Insurance Fraud Investigator designation was born in 1997. This was an experience and knowledge based certification. Before being considered for the CIFI, an investigator needs at least 3 years experience as an insurance investigator, as well as other experience in insurance or law enforcement. Education, publications and fraud training also add points for qualification. When an investigator qualifies, a test is administered. IASIU partnered with the American Educational Institute to write the test and administer the program. This test has 50 multiple choice questions and is skill experienced and knowledge based. In 2008, the Certification Committee appointed a temporary subcommittee of CIFI’s and attorneys to review the test and rewrite portions that were no longer pertinent. At this time, IASIU took over the administration of the test, saving the fees paid to American Educational Institute. In order to maintain the CIFI certification, continuing education is required. 60 hours over 3 years of attending fraud training, teaching fraud classes and having fraud articles published all qualify for these CE hours. These CE’s are documented on the investigators’ profile on the website. The continuing education ensures that these investigators stay current with fraud schemes/trends and investigative technology in the ever changing insurance fraud environment. In 2009, the Certification Committee appointed another subcommittee led by Ryan O’Rear to develop a Certified Insurance Fraud Analyst designation. A test, which again was based on experience and the ability to manipulate data, was developed in 2009 and the CIFA program went online in 2011. In 2010, discussions were started with the European Chapter regarding the CIFI designation. It was found that 50% of the test was US based. The committee, led by Mary Sadousky, Gertrude Lehmann and Paul Kuehne reviewed the test. They found 25 universal questions and rounded out the CIFI Europe with an essay question. In June, 2012 the first CIFI Europe test was administered and 5 new European members now hold the CIFI designation. Holding one of the IASIU certifications gives the investigator professional recognition in his/her field, ensures consistent high standards throughout the industry, provides highly qualified individuals to investigate insurance fraud and inspires public confidence in the integrity, objectivity and professionalism of insurance investigators. Since the inception of the CIFI, members have requested a preparation course. IASIU, in partnership with North American Training Group, developed this prep course, and on April 1st, 2013, this course went live through the IASIU website. The Certification Committee will continue to revise these tests to keep current with trends and fraud fighting tools. In the future, the Certification Committee hopes to have a fraud fighting designation that can be earned by claims adjusters. At the beginning of 2014, IASIU had 590 active CIFI’s and 13 active CIFA’s.

The IASIU Certification Committee The path we traveled

1997

CIFI designation created and American Educational Institute administered the test

2008

IASIU resumed administration of CIFI test from American Educational Institute

2009

2011

Certification Insurance Fraud Analyst (CIFA) designation created

CIFA program online

2013

2012

Created online CIFI prep course

First CIFI Europe test administered

2014

590 IASIU CIFIs and 13 CIFAs

Chapters

Sean Zavala, FCLS, Chair The IASIU Chapters form the backbone of the IASIU organization. Starting with a constitutional amendment to approve the formation of chapters in 1992, IASIU chapters grew to 12 in 1994 and 25 in 1996. A chapter column was added to the newsletter that year. Today, IASIU currently supports 41 chapters worldwide, encompassing a total of 1,862 members. The chapters are the driving force for recruiting, training, collaboration and excellence in the insurance fraud industry. Supported by the international board, chapters continue to grow in the United States, Canada, Europe, South Africa and South America. In 30 years, IASIU has seen the chapters deliver regional conferences, provide specialized law enforcement training, engage in legislative change, increase public awareness and create closely networked anti-fraud working groups. IASIU seeks to develop and recognize chapters as integral components of the organization. We encourage discussion, activities and programs that support the mutual interests of IASIU and the chapters. We formulate and review requirements to achieve chapter status. The committee holds regular conference calls with the chapter presidents in order to provide a forum where chapters can share ideas and concerns of common interest and identify similar needs and goals. We seek advice and obtain valuable feedback about how IASIU can better serve its members and increase communications at the chapter level. Other activities: • IASIU provides a chapter formation kit and assists those interested in forming a chapter both in the United States and internationally. The kit includes detailed information on submitting a petition, binding letter of agreement, by-laws and sample articles of incorporation. • IASIU requests an annual report from each of its chapters containing information about its current officers and directors, membership, annual meeting counts, local initiatives and by-laws changes. • Chapter presidents meet at the IASIU Annual Seminar to exchange ideas, enhance the organization and brainstorm as well as network. • IASIU offers limited grants to support legislative activities pursued by local chapters. IASIU strives to have a mutually beneficial relationship with each of its chapters and continually seeks input on how to strengthen collaboration so that together we can further the IASIU mission to combat insurance fraud at both the state and national level.

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Constitution and Bylaws Committee John D. Kloc, FCLS, Chair The committee reviews the bylaws on a regular basis to make sure they are current and responsive to member needs and makes recommendations for changes. Issues previously addressed included the establishment of chapters in 1992, the size of the board of the directors from 9 to 11 and adopting new types of membership categories, such as associate and sustaining membership.

Editorial Committee

Ron Bryant, CIFI, MPA, CFE

Vickie Carrillo

Chris Gormley, CIFI, SCLA

Brent Walker, SCLA, AHFI

Ellen Withers, CIFI, AIC, AIM, SCLA, Chair

IASIU has a proud heritage of communication developed through the hard work of literally hundreds of volunteers. Ken Kempenaar of Allied Insurance was a founding father of our organization and our publications. He started the newsletter, In-House, the year of our conception. When the National Association of Special Investigation Units was organized, the power of communication, networking and education were part of the cornerstones upon which our organization was built. Today’s electronic advances give us digital formats with high resolution images far exceeding the near stone and chisel format Ken Kempenaar was forced to use to create the first newsletter. Although now we have an amazing ability to develop our magazines, Ken provided the foundation of communication that is the supporting “bones” of our organization. Since our first newsletter, our communications have developed with the advancement of technology. With SIU Awareness magazine, our organization received the first of several awards for our publications in 1998. In 2004, President Dan Fitzgerald and the current board of directors thought a name change would be beneficial and so SIU Awareness magazine evolved into SIU Today. In an employee opinion survey in 2010, some of our members indicated electronic communication might be preferable to a printed magazine, while others disagreed. To please our entire membership and increase our communication and networking abilities, the editorial staff launched a search for a volunteer who was technically knowledgeable and could create and execute a vision for an electronic newsletter. In 2011, the Editorial Committee awarded Brent Walker of Travelers Insurance a special award for his dedication and creativity in the development of an electronic newsletter. Brent has since produced all issues of eNews and is now an active member of our Board of Directors. Communication within our organization has evolved as our organization has grown. It is our committee goal to continue our development and advancement for the future. We owe a great deal of thanks to all who have served on the Editorial Committee over the years, as well as those columnists and authors who have provided educational content throughout the decades. Our deepest gratitude goes out to all of our advertisers who have underwritten our efforts to provide the highest quality printed and electronic magazines possible. Thank you to all and may we have another 30 years of fantastic communications. 102

Education & Training (Seminar) Committee

Walter Swett, CIFI, CFE, FCLS, Chair A generation has passed since the founding of IASIU in 1984. Then, as now, the leaders of our organization recognized the importance of providing quality training for our members. The first training seminar was held November 6-8, 1985, at the Hyatt Crystal City, Arlington, VA. It was co-hosted by the National Association of Special Investigation Units – as IASIU was then known – and the American Society of Industrial Security (ASIS, known as ASIS International since 1990). In 1986, the first standalone IASIU seminar, organized by Bill Lundy and Bob Smith, was held at the Henry VIII Hotel, St. Louis, MO. It drew 104 attendees. During the next 28 years, the annual seminar bounced back and forth between the east and west coasts, with the seminar being held 13 times east of the Mississippi and 15 times west of it. Had it not been for Hurricane Katrina, which destroyed the hotel selected for the 2006 seminar in New Orleans, there would have been an even split between east and west coast locations. East Coast vs West Coast Locations Atlanta – 1989, 2008 & 2013 Albuquerque – 2002 Baltimore – 1992 Dallas – 1999 Columbus – 1988 Denver – 1987 Charlotte – 1997 Las Vegas – 2007 Greensboro – 2014 La Quinta, CA – 2006 Naples – 1995 Minneapolis – 1994 Orlando – 2000, 2003 & 2010 Palm Desert – 2009 & 2012 Pittsburgh – 2004 Palm Springs – 2001 Toronto – 1998 Phoenix – 2005 San Antonio – 1991 & 2011 San Francisco – 1993 Seattle – 1990 Tucson – 1996 Many of the challenges that the Seminar Committee faces today are the same ones our forefathers experienced – finding an economical location conducive to learning, but one that doesn’t leave the impression of a boondoggle; meeting the hotel commitment numbers; recruiting sponsors and exhibitors whose participation underwrites the cost of the seminar, while striking a balance between their needs for a return on investment and members’ desire for a meaningful seminar and not mere participation in an infomercial; locating the best speakers possible on topics of current interest; and demonstrating to our companies the return on investment when they send an IASIU member to the seminar. Many of the insurance fraud related crimes our early members experienced, our investigators still see today – application misrepresentation, auto theft, arson, falsified receipts, billing for services not rendered, up coding, and staged accident rings. It is not so much the “what” that has changed but the “how.” Technology has changed significantly during the last 30 years, allowing us to gather, evaluate and act on information in greater volumes and speed than our predecessors ever dreamed possible. Unfortunately, those who commit insurance fraud adapt quickly to change and rapidly modify their behavior and actions, allowing them to continue to ply their trade. As we move into the future, our training must remain cutting edge; we must find ways to quickly adapt to technological changes and to get the knowledge and techniques out to our members in real time. We need your help to accomplish this by being active in your local chapters and by sharing your knowledge and experience with your colleagues.

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Ethics Committee Sean Zavala, FCLS, Chair The committee oversees compliance with the rules of conduct, standards and policies that guide the organization. It also reviews those policies on a regular basis and refines them when necessary. Should a violation occur, the Ethics Committee will review the case and make a recommendation of action. IASIU is dedicated to the thorough investigation of insurance claims consistent with the highest standards of ethical and legal conduct. IASIU adopts the following Code of Ethics. Our members agree to observe this Code as a condition of their membership and affiliation with IASIU: • Members will at all times act with integrity, trustworthiness and honesty, modeling the behavior exemplary of our profession. • Members will diligently and competently assume and perform their professional responsibilities. • Members will respect the sensitive nature of any confidential or proprietary information made known or available to them, consistent with the law. Members will also exercise the care required to prevent the unlawful or improper disclosure of such information. • Members will take the appropriate care to protect or maintain the reputation or professional practice of a colleague, employer, insured, claimant or other subject of an investigation. • Members will display the requisite courage and responsibility in their decision making when faced with potential conflicts of interest. • Members shall perform their duties in accordance with the law.

Laws & Legislation Committee Steven Piper, SCLA, Chair The Laws & Legislation Committee provides a dynamic partnership between industry advocates (Coalition Against Insurance Fraud, America Insurance Association, Property Casualty Insurers Association of America, National Association of Insurance Commissioners, National Insurance Crime Bureau) and the membership of IASIU to influence responsible public policy related to anti-fraud legislation. Our members, through the Chapter Presidents and members of the IASIU Laws and Legislation Steering Committee, provide everything from grass roots information to national observations on fraud trends and issues of concern on quarterly teleconferences with the industry advocates. Our industry advocates provide updates on state legislation and trends of interest to our membership as well as the Coalition Weekly Fraud News, outlining these legislative efforts in addition to fraud news and analysis. IASIU was also proud to collaborate with the Coalition Against Insurance Fraud to financially support the Engage grassroots website that allows IASIU to directly contact legislators in states to support or oppose legislation related to anti-fraud efforts. This initiative has been instrumental in helping IASIU’s membership to correspond directly with their respective legislators to influence responsible policy and in at least one situation, a legislator decided not only to support legislation but to become a co-sponsor. We will continue to leverage our industry advocates and the strength of our membership to identify opportunities to educate, influence and drive positive change related to anti-fraud legislation that assists in furthering the mission of IASIU.

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Membership Committee

Andris Berzins CIFI, FCLA, Chair In 1984, nine founding members in St. Louis, Missouri blazed a trail in the fight against insurance fraud by forming the National Association of Special Investigation Units. In 1987, NASIU would become what we know today as the International Association of Special Investigation Units. From these nine founding members based in the United States, the organization would grow into the international association we know today as IASIU. There are several very important membership milestones for our association. By 1990, membership had reached 612, representing 100 companies. With the establishment of IASIU Chapter’s in 1992, we would experience unprecedented growth in our membership, doubling to 1,217 by 1993, representing 200 companies. Today we have seen our numbers grow to over 3,800 members, representing 600 companies in 24 countries. In 2000, IASIU crossed the Atlantic as the European Chapter was formed and our friends overseas joined us in what has become the international fight against insurance fraud. The European membership has grown considerably over the years and has helped open doors to other parts of the world. In 2013, our Canadian counterparts from the Trillium Chapter returned to the organization reestablishing a very important relationship in our fight against insurance fraud. A united North American front against insurance fraud was increasingly important as organized crime groups and their schemes crossed our mutual borders. We established the Life Membership Award in 1995 in our effort to recognize those that have given many years of service above and beyond the call of duty to the IASIU. We express our deepest and most sincere thanks to these 26 highly respected Life Members who have been so instrumental to the success of our association. We are thankful for the accomplishments of the past 30 years, and look forward to all of the opportunities to serve our members in the future as the fight against insurance fraud continues!

Nominations Committee

Dallas Barnes, GCA, FCLA, Chair The IASIU nominations committee takes recommendations for candidates for officers and board members. The committee seeks and identifies qualified and knowledgeable people representing the best interests of the membership for consideration as future leaders. This leadership pipeline is vital to the continued development and success of the organization.

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Organizational Improvement Committee Steven Piper, SCLA, Chair When Wade Wickre was elected President of the International Association of Special Investigation Units, one of his first actions was to establish the IASIU Organizational Improvement Committee. In October of 2013, the IASIU Board of Directors approved the following mission for the committee: The IASIU Organizational Committee is tasked by the International Board to identify avenues to better serve the membership and accomplish the organization’s mission. The committee will examine the existing mission and make recommendations to the board concerning identified opportunities, potential mission changes and other means to increase the organization’s effectiveness. Upon board approval and assignment of operational goals, the committee will monitor the report on progress of the assigned initiatives. Since the establishment of the mission, the first task of the committee was to seek the input of the IASIU Chapter leadership as well as the IASIU membership as a whole. A survey was launched and over 1,000 IASIU members participated. The results are being analyzed as it related to the effectiveness of IASIU to achieve its mission, chapter networking and training effectiveness, inclusion within the broader anti-fraud industry, considerations to expand membership, opportunities to better serve remote staff and provide online training/networking and finally any area of opportunity that the membership deems appropriate that would improve our organization. Much of the first year of the Organizational Improvement Committee has been spent thoughtfully outlining areas in need of improvement and attempting to gain an understanding of all of the issues that could impact the long term health of the International Association of Special Investigation Units. Our intent is to focus the coming year on execution of strategies that can serve the membership more fully and to assist IASIU in serving our vital mission for years to come.

Transition Committee Andris Berzins, CIFI, FCLA, Chair In efforts to take IASIU into the next generation, the IASIU Officers and Directors began a search for a new management partner to help our organization sustain the milestones and accomplishments reached over the past 30 years. More importantly, this new partner will help us continue to grow and thrive in the challenges the next generation will bring. To begin the process, a request for proposal (RFP) was sent out to twelve management companies which led to four potential candidates with the expertise in customer services and technology that we had identified. At this point, the “heavy lifting” for the transition committee began. Extensive research and Q & A sessions led to two emerging final candidates of which one has been chosen as the best fit to partner with our organization. We are proud to announce a partnership with Association Acumen, an accredited association management firm, based in Menomonee Falls, Wisconsin. Association Acumen immediately began development of a transition plan with key initiatives and dates to make the transition for our members virtually seamless. They quickly and efficiently took over the reins of managing our operations. While the transition committee continues with a very ambitious agenda of deadlines and key initiatives, we are very pleased with how the process is unfolding. Join me in expressing my deepest gratitude to the members of the transition committee who have made this all possible: Bill Augello (Travelers), Dennis Jay (The Coalition), Dave Rioux (Erie), Wade Wickre (Nationwide) and Ellen Withers (State Farm). We welcome our new partner, Association Acumen, expressly Gail Bast, President, and Bill Elliott, IASIU Executive Director, and the IASIU management and support team, as we move forward as strong partners prepared to grow into the next generation.

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Website Committee

Brent Walker, SCLA, AHFI, Chair Just as we all must keep pace with insurance fraudsters, IASIU has kept pace with technological change over the years, primarily with our IASIU website. As we celebrate our 30th anniversary, let’s take a quick look back at how IASIU has adapted to the tremendous growth of the Internet and kept pace. In 1984, the year IASIU began, the Internet only linked about 1,000 hosts, mostly between university and corporate labs. That same year, the term “cyberspace” was used for the first time. A few years later, in 1989, the World Wide Web was created but still only linked scientists from universities and institutes. It wasn’t until 1991 that the first website in history was launched but initial growth of the Internet was very slow. That was about to change, quickly. IASIU realized that we needed to keep pace with technology and decided to create the IASIU website (www.iasiu.com) in 1997, initially to transition away from a paper member directory that was often outdated upon delivery to an electronic, online version. The primary purpose for this move was to improve upon IASIU member communication. Very quickly, the conveniences of a website became apparent and IASIU began adding online functionalities to benefit our members. As our first generation IASIU website grew, it eventually offered our members an electronic, printable member directory, an online member application, bulletin boards, and information about our seminar and job opportunities. The website was eventually redesigned in 2001 and changed its name to www.iasiu.org in 2003. In the mid-2000’s, the IASIU website continued to grow and the second generation offered significant administrative functionality and member enhancements, to include CEU tracking, news, an events calendar, a discussion forum, chapter management, access to our IASIU publications (SIU Today and SIU eNews), online polling and voting, etc. It was during the latter stages of our second generation website that we began to enter the social realm of the Internet with Facebook and LinkedIn. Today, over ten years later, our third generation and most recent rebuild of the IASIU website continues to improve to keep pace with technology and member needs. Our current website offers all of the prior features but now offers language translation and formatting suitable for both desktop and mobile devices. Over 2.7 billion people or 39% of the world’s population use the Internet today. This tremendous growth, when compared to the first 1,000 Internet users in the 1980’s, proves that to keep pace, IASIU must maintain and excel in this arena. Our IASIU website and its global reach accomplish this. As we continue to grow, so shall our IASIU website. Stay tuned for our next enhancements…who knows where we’ll be in another 30 years?

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Advertiser Index

Advertiser

In Support of Chapter

Accident Support Services Arkansas Chapter of IASIU Armstrong Forensic Laboratories Association Acumen Beall and Biehler BrickStreet Insurance The Colaneri Firm, PC Colman MacDonald Law Group, LLP Fire Consulting & Case Review The Founders Group, LLC Gary R. Reinhardt Kalbaugh, Pfund & Messersmith, PC Georgia Arson Control Goldstein Law Group Illinois Chapter of IASIU impairmentdoctor.com Indiana Chapter of IASIU Insurance Bureau of Canada Investigative Risk Management Intertel Johnston Legal Group Manning and Kass, LLP Marshall Dennehey, Warner, Coleman and Goggin Ohio Chapter of IASIU Parker Straus, LLP The Rock Law Group, PA Roig Lawyers Sentry Insurance Smith and Brink, PC Smith, Rolfes & Skavdahl, Co., LPA Smith, Rolfes & Skavdahl, Co., LPA Veracity Research Co. Investigations

Canada Arkansas North Texas IASIU New Mexico West Virginia North Texas Southern California Missouri New York Virginia Virginia Georgia Florida South Illinois Georgia Indiana Canada Canada Ohio North Texas Southern California Ohio Ohio South Texas Florida Orlando Florida Central Wisconsin New York Kentucky Ohio North Carolina

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Page 61 56 90 54 80 96 90 58 77 82 94 94 69 67 70 69 70 61 60 84 90 58 84 84 92 66 64 97 82 73 85, 86 Inside Front Cover

Thank you to all our advertisers, sponsors and exhibitors who have contributed so much to the success of our seminars over the years!

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Save the Date 30th Annual Seminar & Expo on Insurance Fraud

September 13-16, 2015â&#x20AC;˘Orlando, FL

SEPT

2015