2/11/14%

South&America%

1%

2/11/14%

&&&Brazil&

&&&Brazil&

Brazil&

2%

2/11/14%

Ecuador&

Ecuador&

Peru&

3%

2/11/14%

Bolivia&

Bolivia&

Paraguay&

4%

2/11/14%

Chile&

Argen9na&

Argen9na&

5%

2/11/14%

Uruguay&

Brazil&;&India&
Similari9es&%
Just%like%Brazil,%India%is%a%beau:ful%%%%%%%%%%%%%%%%%%
country...%
%

Brazil&;&India&
...rich%in%religious%and%cultural%tradi:ons,%
%

6%

2/11/14%

Brazil&;&India&
...beau:ful%natural%landscapes%and%ethnic%diversity.%%
%

Brazil&;&India&
Dierences&
Marriage%in%India%is%quite%dierent%from%%%%%%%%%%%%%%%%%%%%%
standard%Western%marriages,%
Celebra:ons%last%many%days,%with%lots%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%
of%music,%and%guest%dresses%are%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%
bright,%colorful%and%animated,%
Bride%prepara:on%for%wedding%lasts%%%%%%%%%%%%%%%%%%%%%%%%%%%
about%week,%%
While%in%Brazil,%Brides%spend%the%day%in%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%
a%beauty%salon%being%prepared%for%the%great%day.%
%

Brazil&;&India&
Dierences&
If%someone%wants%to%be%elegant%%%%%%%%
in%Brazil,%he%or%she%wears%brandL
named%clothes,%
In%India,%elegancy%is%synonymous%
with%gold.%%%
%

7%

2/11/14%

Brazil&;&India&
Dierences&
Brazil's%popula:on%is%
approximately%of%201&million&
people&(IBGE&'&2013),&&
Much%smaller%than%the%
popula:on%in%India,%which%is%of%
1.28&billion%people,%the%second%
largest%in%the%World.%
%

ARM&South&America&

One&Con9nent&

1%Division%
16%Unions%
79%Conferences/Missions%
18%Hospitals%and%Clinics%
3%Food%Plants%
2%Editorial%Houses%
1%TV%channel%and%3%
rebroadcas:ng%sta:ons%in%
Spanish%

8%ADRAs%
2%Planes%

45,673%lives%approximately%
25,028%Churches/Groups%
543%Schools%
311%High%Schools%
16%Universi:es%
182,000%Pathnders%
57,000%Adventurers%
Radio%sta:ons,%foster%care%and%
home%for%the%elderly,%
motorboats,%and%eet.%
%

8%

2/11/14%

Managing&Risks&of&
Criminal&and&
Fraudulent&Acts%

What&is&Fraud?&
Behaviour:&

Inten:onal%act%of%inducing%or%keeping%
someone%on%error%through%ar:ce,%
decep:on,%or%any%other%decep:ve%
means,%
Inten:onally%concealing%the%truth.%

Purpose:&

Obtaining,%for%himself%or%for%another,%
illicit%advantage,%in%detriment%to%
others.%%

Insurance&Fraud&
Fraud&aimed&at&receiving&any&&&&&&&&&&&&&&&&&insurance&
indeniza9on&or&any&values:&
&

Behaviour:&&

% %Totally%or%par:ally%destroying,%or%hiding%any%of%his%
proper:es,%or%injuring%his%own%body%or%damaging%his%
health,%or%aggrava:ng%the%consequences%from%the%injury%
or%disease,%with%the%inten:on%of%receiving%any%insurance%
indemniza:on%or%values.%

9%

2/11/14%

Cases&of&Insurance&Frauds&
Automobile&Insurance:&
&

%Concealing%facts%on%inspec:ons%or%applica:ons,
Incorrect%informa:on%on%inspec:ons%or%applica:ons,
%

%Shibs%in%responsibili:es,%
Inated%/%exaggerated%damages,
Overbilling,
%

False%claims%for%robbery%or%theb.%

Cases&of&Insurance&Frauds&
Health&Insurance:&
&

Omicng%informa:on%on%health%statement,

Third%party%use%of%an%insured's%ID,
Changing%medical%procedures,
Repor:ng%inexistent%medical%%
consulta:ons,
Drug%and%material%overbilling.%%

Cases&of&Insurance&Frauds&
General&Insurance:&
&

Incorrect%informa:on%on%insurance%%
%applica:on%forms,%%
Omicng%facts%on%inspec:ons,%%
Staged%accidents%(inten:onal%accident),%
Claims%for%inexistent%loss,%%
Inten:onal%ina:on%of%loss,%
False%claims%for%robbery%or%theb.%
%

10%

2/11/14%

Cases&of&Insurance&Frauds&
Life&Insurance:&
Buying%insurance%for%a%deceased%person,%%
Insurance%for%a%person%with%terminal%illness,%%
Misrepresenta:on%on%insurance%applica:on,%%
Buying%insurance%before%commicng%suicide,%%
Death%or%accident%simula:on,%%
SelfLinjury,%%
Extension%of%recovery%:mes,%%
False%informa:on%on%medical%reports.%

Cases&of&Fraud&in&Brazil&
Accidental&death&instead&of&natural&death&
%Life%insurance%may%pay%twice%as%much%for%accidental%
death%than%for%natural%death.%For%that%reason,%
circumstances%of%death%may%quite%oben%be%distorted.%%%
Case:&
% %"The%insured%had%a%fulminant%heart%ajack%in%a%
party%and,%to%make%it%look%like%an%accidental%death,%they%
took%the%body%and%threw%it%from%the%balcony%of%the%
second%oor."%
%

Cases&of&Fraud&in&Brazil&
A&person&with&terminal&illness&commits&suicide&so&
his&family&can&get&insurance&payment.&
&

%There%are%many%counts%of%a%person%that%is%terminally%
ill%commicng%suicide%to%help%his%or%her%family,%under%
nancial%duress,%receiving%insurance%payment.%Extreme%
acts%like%that%are%commonly%associated%with%family%
debts,%and%the%fraud%is%seen%as%the%last%op:on%to%solve%
the%problem.%

11%

2/11/14%

Cases&of&Fraud&in&Brazil&
Inten9onal&Murders&
&

Case:&&
%A%tragic%case%in%a%nursing%home.%"Employees%
bought%life%insurance%for%the%elders,%and%listed%
themselves%as%beneciaries.%Aber%that,%they%
brainwashed%the%elders%to%eat%less,%un:l%they%die%
of%starva:on."%

Cases&of&Fraud&in&Brazil&
Self;inicted&injuries&become&work&accidents&
&

Case:&&
%A%crime%gang%acted%against%farmers.%The%gang%
bought%insurance%for%personal%accidents%and%cut%
their%ngers%or%hands%in%order%to%present%work%
accidents%claims."%
%

Cases&of&Fraud&in&Brazil&
Inten9onal&Car&Rollover&
Case:&&
%There%is%a%curve%at%the%Rgis%Bijencourt%Road%(from%
So%Paulo%to%South%of%Brazil)%that%is%being%used%for%
inten:onal%car%rollovers.%The%insured%pays%for%a%"rollover%
guy"%to%go%through%this%curve%and%make%the%rollover.%The%
insured%later%presented%an%accident%claim%to%receive%
payment.%That%fraud%is%so%common%that%these%men%make%
a%living%of%that.%They%are%known%as%"professional%
rollovers".%

12%

2/11/14%

Cases&of&Fraud&in&Brazil&
Misrepresen9ng&or&Concealing&Informa9on&Before&
Insurance&Companies&
Case:&&
%Preexis9ng&Disease:%The%insured's%health%statement%of%
31/MAY/1999%with%a%nega:ve%answer%about%diseases.%He%
had%chronic%kidney%disease,%but%he%claims%that%it%was%
diagnosed%on%5/JUL/2000.%Medical%inspec:on%later%found%
that%the%insured%already%knew%he%had%the%disease%since%7/
AUG/1997."%

Aspects&that&S9mulate&or&%
Give&Rise&to&Fraud&
Lack%of%knowledge%on%penal:es%related%to%whom%
commit%fraud,%
Percep:on%of%impunity,%
Lack%of%knowledge%that%frauds%rise%insurance%
premiums,%
Lack%of%interest%of%society%to%report%frauds,%
Economic%crises,%
Wrong%no:on%that%personal%insurance%is%a%form%of%
saving%money%or%specula:on.%

Fraud&in&Brazil&;&Data&
In%2012,%veried%frauds%in%Brazil%cost%%%
%insurance%providers%over%150&million&&
&dollars,%
As%many%frauds%are%never%discovered,%%
%actual%gures%are%certainly%bigger,%
Frauds%are%es:mated%to%represent%20%&of&total&corporate&
costs.%"This%is%only%an%es:mate%from%insurance%experts,%it's%
like%a%cabalis:c%number,%but%that%number%may%be%used%to%
support%the%claim%that%if%frauds%never%happened,%these%20%%
could%be%reverted%for%the%benet%of%consumer%through%cost%
reduc:on."%
%

13%

2/11/14%

The&Bible&says...&
The%ninth%commandment%says%do%not%lie.%The%Bible%says%in%
Exodus'20:16'"You%shall%not%give%false%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%
tes:mony%against%your%neighbour."%
%

Those%who%lie%are%excluded%from%God's%%%%%%%%%%%%%%%%%%%%%%%
presence.%The%Bible%says%in%Psalms'101:7''
'"He%who%prac:ces%deceit%shall%not%dwell%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%
within%my%house;%He%who%speaks%falsehood%shall%not%
maintain%his%posi:on%before%me."%
%

God%hates%falsehood.%The%Bible%says%in%Proverbs'12:22'"The%
LORD%detests%lying%lips,%but%he%delights%in%men%who%are%
truthful."%%
%

Status&of&ARM&South&America&
Ajempts%to%present%false%claims%is%lower%than%
in%the%market,%but%unfortunately%it%s:ll%exists.%
%

The%es:mates%are%of%one%false%claim%per%25%
claims.%
%

Discovered&and&Avoided&Cases&
Case&1&
%%The%person%in%charge%claimed%that%burglars%
breached%the%church%and%took:%
%

1%computer%%
1%bass%%
15%plas:c%chairs%%
2%big%pan%

14%

2/11/14%

Discovered&and&Avoided&Cases&
ARM%South%America%received%some%
documents,%but%no%pictures%to%evidence%the%
burglary.%
%

Later%on,%a%few%pictures%arrived.%
%

Discovered&and&Avoided&Cases&

Discovered&and&Avoided&Cases&
Case&2&
The%Property%Sheet%with%informa:on%about%the%
equipment%of%the%church%was%prepared%aber%the%
burglary.%
The%person%in%charge%sent%a%picture%of%the%
handwrijen%document,%when%they%had%already%
men:oned%that%all%Property%Sheets%were%already%
in%digital%form.%
%

15%

2/11/14%

Discovered&and&Avoided&Cases&

Discovered&and&Avoided&Cases&
Case&3&
The%insurance%provider%send%quotes%to%
recovery%the%pain:ng%and%all%other%vehicle%
damages%(doors,%roof,%trunk%lid%etc.),%but%the%
accident%aected%only%the%hood,%bumper%and%
headlight.%
%

Discovered&and&Avoided&Cases&

16%

2/11/14%

Discovered&and&Avoided&Cases&

Discovered&and&Avoided&Cases&

Communica9on&
User%manuals,
Simplica:on%of%rules%and%norms,%%%
%Plain%informa:on,
Training%church%en::es,
Orienta:on%through%communica:on%channels,%
telephone,%website,%facebook,%twijer,
Straight%and%open%communica:on%avoid%many%
problems.%
%

17%

2/11/14%

Preven9on&
More%training,%more%talking%%
%about%the%issues,%and%less%%
%cases%are%expected,%
Preven:on%helps%to%correct%%
%the%fraud%cases%and%cases%of%lack%of%knowledge%of%
norms,%
Preven:on%costs%are%much%lower%then%when%
frauds%occur.%
%

Rela9onship&
ARM%South%America%tries%to%stay%
close%of%both%the%user%and%the%
en::es,%
The%rela:onship%with%managers%of%%
%the%church%en::es,%and%it%helps%to%
iden:fy%and%correct%problems,%
ARM%and%the%church%need%to%work%
close%to%help%the%church%workers%and%
its%en::es%to%avoid%mistakes.%

If'I'take'care'of'my'
character,'my'reputa@on'
will'take'care'of'me.&&
Dwight%L.%Moody&

18%

2/11/14%

Do'your'best'and'let'God'
do'the'rest."&

19%