LA GESTION DU RISQUE DE FRAUDE EN ASSURANCES AUTOMOBILE – CAS D’UNE COMPAGNIE D’ASSURANCES MAROCAINE
Mots-clés :
Assurance, Système d’information, Détection, Fraude, Veille stratégique, Gestion de risqueRésumé
Abstaract :
The problem of external fraud is becoming more and more important for automobile insurance companies, to the point of becoming a real challenge. Today, the ability of companies to control and detect fraud remains underdeveloped and is often based on suspicion. As a result, many cases can be fraudulent without the company realizing it, resulting in huge financial losses that could jeopardize its survival.
This article led to the design of a draft information system for the automatic detection of fraud in order to optimize the operational management of the risk of fraud and to reduce the financial losses incurred. Thus, we were able to note the importance of moving from detection by suspicion to detection based on objective indicators that the company could implement in its information system.
Résumé :
La problématique de la fraude externe prend de plus en plus d’ampleur chez les compagnies d’assurances automobile au point de constituer un véritable défi. Aujourd’hui, la capacité de contrôle et de détection des fraudes par les compagnies reste peu développée et est souvent basée sur la suspicion. Par conséquent, plusieurs dossiers peuvent être porteurs de fraude sans que la compagnie ne s’en rende compte accusant ainsi d’énormes pertes financières risquant de mettre en péril sa pérennité.
Cet article a abouti à la conception d’une ébauche d’un système d’information de détection automatique de la fraude dans le but d’optimiser la gestion opérationnelle du risque de fraude et de réduire les pertes financières encourues. Ainsi, nous avons pu relever l’importance du passage de la détection par suspicion à une détection sur la base d’indicateurs objectifs que la compagnie pourrait implémenter au niveau de son système d’information.
Mots-Clés : Assurance, Système d’information, Détection, Fraude, Veille stratégique, Gestion de risque.
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