# Clearspeed

## Voice-Based Trust Solutions

# Establishing trust is one of the defining challenges of our time

## Clearspeed is the infrastructure that enables trust, from the balance sheet to the battlefield

The digital age created a crisis of trust. Who gets access. Who moves forward. Who needs a closer look. The systems organizations rely on were built for a slower, smaller world.

Clearspeed analyzes the signal in the voice. A real-time read for the decisions that matter most. An intelligent trust layer, when and where you need it.

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## You have the data, but not the confidence to act

Clear the trustworthy majority. Focus attention where it counts.

Records hold the past. They tell you what happened before, not what is happening now. The data you need at the moment of decision is often incomplete and can increasingly be gamed.

AI has made trust scarce just as more decisions depend on it. Bad actors learn the patterns. Genuine people absorb friction they don't deserve. Teams spend time on situations that would always have cleared. The problem isn't a data gap, it's a confidence gap.

## Trust at the point of decision

The risk signal that matters most lives in the voice. No database holds it. Only Clearspeed can read it.

The questions

#### A few yes-or-no questions

A short set of yes-or-no questions, answered by phone or web, gives you a current read on potential risk. Clearspeed works anywhere, in any language, and every person gets the same fair experience.

The signal

#### What the voice reveals

When someone answers a question where something is at stake, the brain reacts. Decades of neuroscience research show those reactions produce specific, measurable changes in the voice. Changes that exist outside any database and cannot be coached, profiled, or faked.

The indicator

#### Route with confidence

An indicator of potential risk comes back in seconds: minimal risk or elevated risk, delivered directly into the Clearspeed app or your existing systems. The people who pose no risk get a faster, easier experience. Your teams focus on the situations that matter, not everything that comes in. Nothing about your current setup needs to change.

## TrustFaster

Clearspeed puts the majority first. A few simple questions create a fair experience for every person, while an indicator tells your teams where to focus. Your organization makes faster, more confident decisions and extends trust at scale.

## Industry

Proven where trust decisions carry the most weight

01

Government

Personnel vetting

Vetting backlogs grow with every delay, and the systems built to clear them weren't built for now. Clearspeed clears the trustworthy majority fast, so attention focuses on the few that actually warrant it.

02

Military and Defense

Trust dominance

In contested environments, the side that extends trust faster than adversaries can exploit it holds the advantage. Clearspeed is DoW-validated and deployed with U.S. Special Operations Command — built for the environments where vetting failures have consequences measured in lives.

03

Insurance

Streamline genuine policyholder transactions

From application to claim, Clearspeed screens for risk of fraud across the policy lifecycle. Trustworthy policyholders move forward faster, with less friction. The few that warrant a closer look get one.

04

Banking and Financial Services

Don't make genuine customers pay for bad actors

At the point of application or transaction, Clearspeed reads risk that existing data cannot. Trustworthy customers get a faster answer. Exposure is surfaced before it becomes a loss.

05

Sports Integrity

Safeguard the integrity of your sport and its participants

Sports run on integrity. Clearspeed screens athletes, officials, and staff for substance use, illegal betting, and match-fixing risk.

## Risk type

Deploy Clearspeed anywhere trust is on the line

Fraud and Financial Crime

Catastrophic Events

Hiring and Screening

Insider Threat

Substance Screening

Global Public Events

Risk type

Fraud and Financial Crime

Fight financial fraud while enhancing the customer experience. Traditional fraud systems look at what people have done in the past. By the time the pattern emerges, the damage is done. Clearspeed screens at the point of contact and surfaces the signal before the fraud moves through.

Learn more

Risk type

Catastrophic Events

Fast-track trustworthy individuals when they need it most. After a large-scale event, claims volume spikes fast. Traditional triage buries teams in situations that were always legitimate. Clearspeed clears the genuine majority first, narrowing focus to where potential risk actually exists.

Learn more

Risk type

Hiring and Screening

Reduce hiring risk while accelerating the screening process. Background checks tell you what a candidate has done. References tell you what someone was willing to say. Neither tells you what is happening right now. Clearspeed gives you real insight into potential risk in the moment, whether at the point of hire or throughout someone's tenure.

Learn more

Risk type

Insider Threat

Maintain trust and integrity across your organization. Insider risk has two phases: before it gets in, and after circumstances change. Traditional detection finds patterns after the fact. Clearspeed screens at entry and monitors for changes that signal developing risk from within. Risk is never static.

Learn more

Risk type

Substance Screening

End physical testing for the trustworthy majority. Most people being screened present no current risk. The process treats them all the same anyway. Clearspeed screens for potential substance use without invasive processes, lab costs, or time delays that come with them. A risk indicator that works before, during, or after engagement.

Learn more

Risk type

Global Public Events

Enable risk screening at scale. Large-scale events draw thousands of vendors, staff, and credentialed personnel, all needing to be screened before the gates open. Traditional due diligence cannot keep up. Clearspeed changes that, with simple but proven voice screening.

Learn more

## Ready to see how Clearspeed decodes the signal in the voice?

Explore Technology Request a Demo

## Getting trust decisions right, by the numbers

31x

ROI in year one

Seguros El Roble

95%

Reduction in vetting cycle time

SOCOM

200%

Uplift in fraud findings

Allianz

**Our story**

From a defense breakthrough to the trust infrastructure for the decisions that matter most.

Learn More

**Our impact**

How Clearspeed turns better trust decisions into measurable impact.

Learn More

## In the news

FOX Business - March 14

Marine veteran turns Iraq War lessons into fraud-fighting tech

How Clearspeed is engaging policymakers to use technology to fight benefits fraud and enhance screening.

READ MORE

Auto Insurance Report

Clearspeed featured in Auto Insurance Report

Axios Pro

Risk-assessment startup Clearspeed raises $60M Series D

## Accelerate Trust in Insurance

# EXCLUSIVE: “Accelerate the Speed of Trust” – Alex Martin, Clearspeed in ‘The Insurtech Magazine’

## Matt McHenry

\|

## February 28, 2023

BACK

February 28 2023 \| Read on FFNEWS

**Speed and security are often seen as being mutually exclusive in claims processing… Clearspeed CEO and Co-founder Alex Martin learned his lessons on the battlefield to resolve that conflict once and for all**

Faster processing is a common goal for insurers because it improves customer experience at key touchpoints in the insurance lifecycle, such as first notice of loss (FNOL).The claims process is always stressful and customers expect a quick resolution, so the better the service at this moment of truth, the happier they are. Faster processing is good for retention and reputation, but speed, especially in high-volume claims situations, can increase the likelihood of fraud. The winning formula behind Clearspeed, a voice analytics company whose AI-enabled technology can accelerate low- risk transactions while flagging others with remarkably high accuracy rates, addresses that dilemma for insurers.

Launched in 2016, Clearspeed is based in San Diego and was set up to solve the challenge of how to objectively screen people, in any language, at scale. Alex Martin, CEO and co-founder, drew on his background in the armed forces, combined with his experience of working with talented voice technology specialists, as the inspiration for Clearspeed’s technology.

“The problem we faced in combat zones, particularly in the special operations field, was how to operate efficiently in environments where trust was imperative, but the data to trust people was incomplete,” says Martin, who served nearly 20 years in the US Marine Corps in active duty and as a reserve. “Operating across different languages can create uncertainty, which undermines trust, and trust is something you must establish quickly in military situations and hostile regions.”

Martin explains that in exploring ways to trust people faster, they focussed on what voice could reveal about a person and whether what they say could be relied on. He cites the example of British and American forces on missions in Africa and the Middle East and their need to liaise with local nationals. How could they form trusted relationships when there was no immediate way to vet a contact and establish confidence in what you were being told? “You might think a lie detector would be the simple answer,” says Martin. “But this isn’t a lie detection problem – this is a question of risk identification; lie detectors don’t scale, plus the technology wasn’t available to us in conflict zones such as Iraq. Lie detectors help you make binary assumptions, either lie or no lie, in one-to-one situations. But we faced risk identification and risk stratification problems and needed to cover more ground at speed. The only way was to come at this problem from a different angle.”

Rather than a lie detector, Martin says that the Clearspeed model is akin to a metal detector: it clears large volumes quickly and efficiently, while producing risk alerts for follow up. It clears the way and eliminates people from the search if there is nothing of interest or concern, he says. Unless there is an alert recommending you take a closer look, you can safely move people ahead. The quest to build trust led to the development of the Clearspeed technology and the ability to apply the metal detector concept across industries – including insurance.

“Our product suite is based on the need for speed with safety,” says Martin. “Instead of trying to find the bad actor, and make a final determination as such, which is what a lie detector does, we wanted a system to quickly clear all the low-risk people, while identifying the few who needed further scrutiny in the form of a risk alert, to be mitigated or escalated. Traditional logic says you should slow things down to tighten security whereas we’re accelerating the vetting process with technology that’s designed not to find the ‘bad’, but to rapidly clear the ‘good’.”So, how does Clearspeed’s technology work?

Martin is keen to underline that it’s not voice recognition and has nothing to do with the growing field of biometrics. Instead, it’s based purely on the assessment of vocal characteristics associated with risk.

“It’s an important distinction,” he says. “We’re analysing the voice, based on a series of automated questions to which people provide ‘yes’ or ‘no’ responses. Their answers provide information that indicates low, potential, or high risk.” It’s a four-step process, beginning with the telephonic questionnaire. The speech is converted into Clearspeed’s unbiased and language-independent data model. The data is then analysed to determine the presence or absence of specific vocal characteristics associated with risk. Next, the risk is scored from low to high and the results are provided via an API or an app.

“Our technology captures detectable and quantifiable characteristics that are universally known to be present in speech,” says Martin. “And that’s not down to the AI; it’s because our system knows exactly what characteristics to look for, and we know exactly what’s noise and what’s a reliable signal. The AI is simply conducting the evaluation of low, medium, or high risk against our extensive global data set.”

Martin adds that the reservations people have about AI, such as creep or bias, are not a concern with Clearspeed because it functions more like a heart monitor, identifying something that is not subjective. In other words, the signal is either there or it isn’t, and if it is, to what extent. And the voice analysis requires no additional data, like race, gender, or location, and is language agnostic as well, says Martin. Depending on the product, and the application, he claims very high accuracy and flagging precision for the technology in any real-world situation where screening is required.

“The questions are tailored for the element of risk that you’re trying to identify,” he says. “ We create simple questions, directly related to each customer, for an experience that’s personalized, accurate and rapid. We’re not looking to complicate a process that traditionally proves stressful for customers. Just like the heart monitor tracks signals and provides alerts when there is a patient issue and additional care is required – which a medical expert then determines – Clearspeed voice analytics alerts to potential high risk to enable claims experts to follow up, but most importantly, has cleared all the low-risk claims with unprecedented speed.

“Clearspeed is focused on helping our clients make informed decisions, not making decisions for them. This is all about making bold decisions that benefit the customer with profound confidence,” says Martin.There are three Clearspeed insurance products. Clearspeed Express is designed to accelerate FNOL. The automated question-and-answer process enables insurers to triage claims at scale, boosting straight-through processing so that low-risk claims can be paid without any unnecessary delays, while high-risk claims can be flagged for a closer look.

> “Traditional logic says you should slow things down to tighten security whereas we’re accelerating the vetting process with technology that’s designed not to find the ‘bad’, but to rapidly clear the ‘good’”

“Clearspeed Express fast-tracks decision-making,” says Martin, “reducing the impact on your operations and giving adjusters more time to focus on high-priority claims. Our cloud architecture makes it quick and easy to integrate Clearspeed alerts into any claims process via any customer touchpoint.” For straight-through processing (STP) to work efficiently, it needs to start with claims triage at FNOL, because the vast majority of claims are legitimate and don’t need to be questioned; good actors should not suffer because of unnecessary friction. However, many insurers have yet to implement STP at this crucial stage, despite the growing use of techniques such as natural language processing (NLP) to better understand customers. The problem with NLP systems, though, is that they require large amounts of data.

In contrast, Clearspeed’s automated questionnaires require very little data to draw accurate conclusions. “The questions we pose at FNOL are very simple,” says Martin. “For instance, ‘were you on a mobile phone when the incident occurred?’ or ‘were there any passengers in your vehicle when the incident occurred?’. Based on the responses, the risk is assessed, and an overall risk score is provided. If the score is satisfactory, the claim can move forward.” Clearspeed Precision is a tool that enables insurers to gain greater accuracy when assessing claims beyond FNOL.

It uses the same voice questionnaire approach and light touch to achieve a positive customer experience. “Clearspeed Precision goes a little deeper and more granular,” says Martin. “So, instead of the top-of-funnel triage, signalling clear or alert, this is now saying, ‘what aspect of this needs further investigation?’. It builds on the ‘yes’ or ‘no’ format with supplementary questions to either eliminate false positives or escalate to the fraud team.”

Clearspeed Surge is the newest addition to the product suite. Launched at the end of 2022, it enables insurers to assess claims risk quickly and accurately for catastrophic, weather-based events. Operational teams can instantly determine next steps and move customers straight through to payment at critical times if there are no issues. By fast-tracking low-risk customers, Clearspeed Surge maintains Clearspeed’s objective of gaining trust, faster.

“During a ‘surge’ event, meaning anything that’s not routine, call volumes can increase more than 50 times,” says Martin. “And with catastrophic events, the risk of opportunistic claims fraud is far greater. For instance, when hurricane Ian devastated many areas of Florida, there was a big increase in attempted fraud and the US Department of Justice had to issue a fraud warning. “If an insurer gets flooded with tens of thousands of calls a week and doesn’t have the capacity to meet demand, Clearspeed Surge can step in and help triage the influx of new claims. It sits in the cloud and easily integrates with existing systems and offers round-the-clock support. When insurers face this increased demand and struggle with effective fraud controls, trust – and ultimately the customer experience – suffer. The challenge is confidently enabling straight-through processing at first notice of loss, which is where we provide the solution.”

While Martin emphasises that Clearspeed should be seen to enhance customer experience and operational efficiency through straight-through processing, and therefore is not a dedicated anti-fraud platform, it does indeed result in better fraud prevention. With speed comes security. That might seem counterintuitive but it’s a logical outcome of Clearspeed’s approach. Furthermore, the questionnaire format helps to deter potential fraudsters in the first place.“Fraud is not only on the rise with disaster-related or weather-related events,” says Martin. ”It’s a growing problem across all types of claims, and fraud strategies are continually evolving.”

The impact that Clearspeed is having is evident from customer metrics. Martin says early adopters are seeing big gains in operational efficiency and customer experience, while fraud rates are dropping.“One of our first customers, an auto insurer in the Americas, has significantly accelerated its claims payments,” says Martin. “In some cases, it’s reduced claims processing from a month to just one day. In addition to gains in efficiency and customer experience, this insurer also identified nearly $1million in savings on fraud losses.“We’ve also seen some good results in the UK, with one insurer reducing claims processing from 22 days to five days, while another succeeded in pushing injury claims withdrawals at the special investigative unit stage from zero to 30 per cent”.

> “When insurers can’t cope with the demand and struggle with effective fraud controls, customer experience and trust suffer”

Martin says that Clearspeed has no direct competitors. While there are many providers who offer risk tools, some of which may be complementary, no one is covering the voice assessment angle in the same way. Given the interest and successful uptake from insurers so far, he believes there is plenty of scope to develop voice technology in other areas.

“I think there is incredible potential for growth,” he says. “First, by developing end-to-end technology to help with underwriting through to claims, which will strengthen customer relationships and retention. The trust factor is very important, and if customers have consistently good scores across all touchpoints, it may help to lower premiums and further boost customer experience.“Secondly, voice and automated interactions can lift customer support to another level and provide a real-time service when customers need it most. For example, for repairs following a car accident. Above all, Clearspeed is showing that prioritising customer experience also has benefits for fraud prevention.”Although Clearspeed’s focus has been claims, Martin says the voice technology could also be used at the quote stage to accelerate onboarding and help determine premiums. As for adding visual technology to support voice, he says that’s not part of the Clearspeed strategy.

“We know what we’re good at,” he says, “and that’s providing voice technology and developing new use cases for it. We can partner with others and integrate our services to create an even stronger insurance proposition, but voice is our core business and selling point.”

Social responsibility is very much part of Clearspeed’s business ethos, says Martin, and it’s closely involved in climate change and poverty alleviation. This is partly borne of Martin’s experience working as a team leader for Nuru International, a social venture that helps rural communities in Africa, but also because one of Clearspeed’s board members and first investor Bob King is a co-founder of King Philanthropies. It draws on a team of highly strategic social impact investors who are committed to projects that alleviate poverty and fight climate change. Clearspeed aligns with the organisation’s philosophy and values, especially through products such as Clearspeed Surge, which helps to mitigate the impact of extreme events and supports people in times of greatest need.

“Clearspeed is proud to be developing socially responsible technology with the support of impact funding,” says Martin. “We have a group of incredible investors who want to make a meaningful difference to people’s lives, and that gels perfectly with our values as a technology innovator. It’s about creating products that establish direct value and impact, while retaining their accessibility and quality in use.”

“Our products are helping people every day in insurance and other fields, and we are committed to finding new and socially responsible uses for voice analytics where the risk-speed paradigm must be flipped to favour building bridges not walls.”

## A ‘clear’ case for adoption in Guatemala

Seguros El Roble is a multi-lines insurer commanding more than 20 per cent market share in Guatemala.It’s constantly reviewing and trialling digital solutions – both customer-facing and in the back office – and it was this open-minded attitude to innovation that led it to a tech show in Las Vegas in late 2019 where Clearspeed, then only three years old, was exhibiting its voice-based analytics technology. More than 100 companies piqued the insurer’s interest at the show, but only Clearspeed progressed to production, so impressed was it by the simplicity of the solution and ease of integration into its existing fraud detection stack.

Jorge Luis Linares, Seguros El Roble reinsurance project manager, said a solution that could help us confidently assess the risk of fraud in a claim simply by analysing the answers to a handful of yes/no questions ‘was to us like magic’. “It was easy to implement and the impact was very high. For me, it’s still kind of magic!” he said during a webinar early last year.At the time, the insurer had recently implemented the Dutch trust automation platform FRISS and was looking to further enhance the impressive affect that had already had on straight-through processing of vehicle claims.

The technologies are complementary to one other. Every claim is run through FRISS and 90 per cent of them are settled without intervention; for the remaining 10 per cent that receive a ‘red’ or ‘orange’ FRISS score or are a total loss or theft claim, the company activates Clearspeed.

“We are not denying claims based on either the FRISS score or a call with Clearspeed. They’re only a tool to say, ‘we should look into this’,” said Linares. Most customers – more than 90 per cent – sail through. But applying Clearspeed to the remainder delivered a 31-times return on its investment in the technology during the first year. The results were so impressive that in 2022 the insurer began looking at applying both FRISS and Clearspeed to its health insurance line, too, where the ability to analyse responses to questions such as ‘do you smoke?’ are obvious. And now it will be moving Clearspeed to the top of the funnel, to apply to all claims.

Clearspeed has not only helped identify claims that legitimately need referring to the insurer’s special investigation unit but has also saved it from paying out claims in instances not covered by the policy wording, such as a driver under a certain age being at the wheel of a car or where a driver’s licence has expired.

“In all these cases where we used to pay before we can now say to the customer ‘there is no coverage for that’,” said Linares. “One of the measurements for success for any tech is if you keep using it – and our intention is to keep using both [Clearspeed and FRISS] because they do not replace but complement each other.

Learn more about Clearspeed insurance solutions

## Faster Insurance Claim Settlements

# Acorn Group Leverages Clearspeed Voice Technology to Settle Insurance Claims Faster

## Shoba Lemoine

\|

## December 10, 2025

BACK

## _Genuine customers benefit from 26% faster claim settlements as partnership delivers millions in fraud savings_

**LONDON, UK and SAN DIEGO, USA --- December 10, 2025 ---** Clearspeed, the global leader in voice-based risk assessment, today announced a partnership with Acorn Group, one of the UK's leading non-standard providers of car, van, taxi and household insurance. The collaboration integrates Clearspeed's proprietary voice technology into Acorn's processes to give policyholders a path to fast-track their cases, allowing legitimate claimants to receive payments faster, prioritizing them over fraudsters.

Acorn has implemented Clearspeed's solution across motor and household claims, including theft, fire, accidental damage, and other perils. The technology has delivered measurable results for customers: a significant reduction in settlement time, giving genuine claimants a path to expedited payment. Beyond customer benefits, the partnership has also yielded significant operational gains.

## **Building trust with customers through smarter, faster settlements**

The Clearspeed solution seamlessly works within Acorn's claims journey. When policyholders report a case, they respond to a short series of automated yes or no questions. Clearspeed's proprietary voice technology analyses and scores the responses to identify the presence of vocal characteristics associated with fraud risk, allowing Acorn to effectively triage claims at scale. Where risk is low, individuals can be expedited through the process, freeing up Acorn resources to focus on the claims alerted as high risk.

James Fowle, Head of Group Fraud and Claims Strategy at Acorn Group said: “Rather than simply implementing new tools and technologies, we’ve redesigned our entire fraud ecosystem. This transformation, enabled by the integration of solutions like Clearspeed, is enhancing the protection of customers and delivering measurable results, including better claims outcomes, lower costs, and contributing to higher standards across the market.”

"Trust has become central to the conversation among insurers today—customers need to be assured that their insurer will act quickly when it matters most," said Alex Martin, CEO of Clearspeed. "Innovation is the 'how' behind strengthening that trust by serving genuine customers without friction. Clearspeed serves the majority of the top 10 insurers in the UK, and partnerships like this demonstrate why leading insurers are choosing us to build customer confidence while protecting their business."

The Acorn Group plans to further expand its work with Clearspeed, introducing new projects across additional perils and insurance lines to ensure more claimants benefit from streamlined settlements.

## **About Acorn Group**

Acorn Group, via its brands – Acorn Insurance, Carrot, Motorcade, Flag, Rapid, Briefly, Street Cover – and Granite Underwriting with its network of 200 brokers, is one of the largest providers of non-standard insurance in the UK, with 500,000 live policy holders. The group has over 1,700 staff in Formby, Liverpool and London.

For more details about Acorn Group and its brands, visit www.theacorngroup.com

## **About Clearspeed**

Founded in 2016, Clearspeed is the global leader in voice-based risk assessment. Its proprietary voice analytics technology identifies potential risk in speech using vocal characteristics universal to all humans—enabling faster, more confident decisions in high-stakes environments. Commercially, it helps insurers, financial institutions, and other enterprises assess risks like fraud and insider threats, unlock operational savings, and elevate the customer experience. With broad applications, Clearspeed delivers bias-free, highly precise, individual risk assessment wherever achieving trust at scale is essential.

Headquartered in San Diego, Clearspeed is used in 37 countries and supports over 60 languages. The company has earned more than 30 industry awards, including CNBC's World's Top InsurTech Companies.

Learn more at www.clearspeed.com.

## Fraud Detection Solutions

Banking and financial services

# Every financial transaction is a trust decision

Financial institutions process millions of interactions each day, including loan applications, account openings, claims, payments, and transfers. The fraud within this volume is relentless and adaptive. Banks grapple with how to protect trustworthy customers amidst the increasing burden of managing fraud and scams. Clearspeed helps identify risk of fraud, in-the-moment.

## To keep pace, financial institutions must quickly separate the genuine majority from the fraudulent few

Financial services providers face a painful dilemma. Tightening scrutiny on every transaction frustrates legitimate customers and balloons costs. But loosening the grip means fraud gets through.

## What a real-time risk signal adds to every financial transaction

Intelligence

#### An unmatched data source

Clearspeed’s trust intelligence can’t be found in any database, credit bureau, or transaction history. It’s the only risk indicator derived directly from the source — your customer.

Speed

#### Faster for the many

Clearspeed returns a risk indicator in real time. Straight-through processing for low-risk customers, and more due diligence where potential risk is flagged.

Clarity

#### Focus resources where risk is flagged

Keep transactions - and your teams - moving. Focus skilled investigators exactly where potential risk of inaccuracy or fraud is flagged.

## "Finding and deploying new methods and approaches to stopping fraud while continuing to meet the service expectations of customers is essential. I’m really excited we will be working with Clearspeed as we seek to help our clients enhance the experience of their customers and up the ante in the fight against fraud.”

Harry HoldstockPartner, PwC UK

01

Loan and credit processing

Find fraud risk before it becomes portfolio risk

Identify opportunistic or organized fraud at its point of origin. With real-time insight into potential fraud, you can address risk before it becomes a default or a loss.

- Clear low-risk applications, accounts, or borrowers quickly
- Make calibrated and confident decisions about what to clear and what warrants a second look
- Identify deliberate or reckless non-disclosure, inconsistencies, and misrepresentations

02

Payments and claims

Clear and settle faster

Customers expect immediacy. Compliance needs accuracy. Clearspeed gives you both, helping prevent losses early, and keeping trustworthy customers happy.

- Find hidden indicators of payments or chargebacks risk
- Identify early warning signs of scams
- Prevent impact on customer confidence and business integrity

03

Account takeover

Flag risk before bad actors find an opening

Bolstered by sophisticated tech, it's easier than ever to defeat traditional fraud controls. Clearspeed helps validate the interaction - credentials can be stolen, but the risk signal delivered via voice can't.

- Protect vulnerable customers from scams and stop money from moving before it's too late
- Surface risk of fraud in-the-moment, preventing account takeover before it starts
- Flag high-risk interactions to give fraud investigators a head start, while fast-tracking legitimate customers

04

AML and KYC

Get a clearer read before money moves

AML and KYC compliance are critical to banking operations. But to deliver, you need trust in the people and entities operating in your ecosystem, and you need it in a way that’s not resource-heavy, costly, or full of information gaps.

- Find early indicators of misrepresentation or collusion
- Validate origins and dispersal of funds
- Improve employee continuous vetting and anti-corruption safeguards

## How it works

01

The questions

The individual responds to a short set of objective yes-or-no questions.

02

The signal

Clearspeed analyzes for risk signals in the vocal response.

03

The indicator

You receive a clear risk indicator in real time.

Minimal risk

Clear to proceed

The transaction advances.

Elevated risk

Flag for review

The transactions that need a closer look, get one.

##### No rip and replace required

Clearspeed integrates with existing infrastructure and security architecture, so teams can add a real-time risk signal without reworking what is already in place.

##### API connection

Connects to your existing systems via a secure REST API. Results come back in real time, in the Clearspeed app or directly in your stack.

##### Any point of contact

Phone, mobile, web portal, call center, field application. Clearspeed works across the channels you already support.

##### Across transaction types

Whether loan and credit applications, transfers, payments, or claims – Clearspeed assesses risk across any customer interaction.

## Clearspeed helped a UK-based global bank enhance their approach to APP scam prevention.

20%

More risk found

9%

Immediate walkaway rate

32%

Lift in immediate settlements

## The banks that win tomorrow are rethinking risk assessment today

Overcome the challenges of the new era of fraud with Clearspeed’s voice-based risk assessment – and move at the speed of trust.

Request a demo

## Allianz Enhances Fraud Detection

# Insurance Times: Allianz to enhance fraud prevention as scammers turn to AI and deepfakes

## Rebecca Falk

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## April 24, 2024

BACK

'We remain committed to combatting fraud,’ says director

Allianz's personal lines business has teamed up with voice analytics firm Clearspeed to enhance its fraud detection capabilities.

The insurer said it was making the move as fraudsters continue to evolve their tactics, with its noticing scams involving artificial intelligence (AI) and deepfakes.

It also said cases where apps were used to distort real-life images, videos and documents increased by 300% from 2022 to 2023.

Read the rest of the article here

## Voice Analytics in Claims

# 5 Ways a New Approach To Voice Analytics Accelerates Claims Payouts in an Era of Increasing Fraud

## Staff Writer

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## December 6, 2022

BACK

With technological advances over the past decade, insurers have made strides in implementing technology to pay claims for the good guys faster while deterring opportunistic fraud. Although fraud technology used at first notice of loss (FNOL) has made it increasingly difficult for individuals to commit insurance fraud, the industry has a long way to go.

There are several challenges with the technology used, including straight-through processing (STP), Natural Language Processing (NLP), and the use of Personally Identifiable Information (PII) for insurers to overcome.

In this article, we'll cover how the advances in risk assessment tools that use voice analytics have helped insurers overcome these challenges.

## What is Voice Analytics?

Voice analytics in insurance is a rapidly emerging technology that is transforming the way insurance companies operate and interact with their customers. This innovative tool leverages advanced speech recognition and natural language processing algorithms to analyze customer interactions, particularly those that occur over the phone. By scrutinizing these conversations, voice analytics can help insurance companies gain valuable insights into customer sentiment, needs, and preferences. It enables insurers to assess the effectiveness of their customer service representatives, identify areas for improvement, and even detect potential fraud or compliance violations through voice pattern analysis. Find out how voice analytics assists insurance tools.

## **\#1 - Enabling Straight Through Processing**

One of the advances insurers have embraced to improve the claims journey is straight-through processing. STP enables the insurer's policy, claims, and payment systems to process claims automatically without requiring manual intervention or human input.

For STP to work efficiently, claims triage has to start at FNOL, accurately identifying legitimate claims versus those that are questionable and require additional research. And to meet customer expectations, your claims need to be cleared as efficiently as possible at the moment that matters: when your customer needs your support.

But according to Insurance Thought Leadership [1], only 40% of insurers have made strides in implementing STP to pay legitimate claims faster while deterring opportunistic fraud. And on average, fewer than 10% of claims are processed straight through in any line. It's most common in personal lines and (for payouts) in annuities.

One of the reasons for the slow adoption of STP by insurers is that the risks must be well understood for STP to work in a claims environment. Many insurers have turned to Natural Language Processing (NLP) to understand these risks and reduce fraudulent claims. The challenge is that NLP systems require a large amount of data to be accessible and available. The more data analyzed, the greater the accuracy of identifying fraud patterns.

By contrast, with an accuracy rate greater than 97%, the addition of voice analytics through simple, automated questionnaires enables insurers to understand the risks well.

This new approach to voice analytics does not require the vast amount of data NLP systems need to identify legitimate and fraudulent claims at FNOL.

## **\#2 - Identifying Legitimate Claims at FNOL**

By introducing voice-based questionnaires at FNOL, insurers can assess and action legitimate claims with very high accuracy. These questionnaires consist of a few simple yes/no questions, such as:

> _"Do you know where the lost item is now?"_
>
> _"Were you on a mobile phone when the incident occurred?"_
>
> _"Were there any passengers in your vehicle at the time of the accident?"_

Based on the responses, the risk is assessed and an overall risk score is provided. STP systems use this score to identify legitimate claims at FNOL and move them forward.

## **\#3 - Deflecting Opportunistic Fraudulent Claims; Before They Are Submitted**

Logically, the best way to reduce opportunistic fraudulent claims is to discourage individuals from submitting them in the first place.

At the same time, individuals would not even consider submitting opportunistic claims if their chances of being caught were nearly guaranteed. When customers were asked to respond to a voice-based questionnaire in a recent pilot with a personal lines auto insurer, there was a substantial increase in claims withdrawals.

The questionnaire can be as simple as asking the individual submitting the claim, "Did you purposely provide any false or misleading information related to this claim?"

To see how advanced technology can streamline your risk assessment process, learn more about our insurance underwriting software.

## **\#4 - Flagging High-Risk Claims**

For individuals that a voice-based questionnaire may not deter, there's another hurdle to jump through: the SIU becoming involved sooner than expected.

By adding three simple questions in a voice-based questionnaire at FNOL, high-risk claims are identified earlier in the claims experience process. This triggers the SIU to become involved earlier in the process than expected.

In another recent pilot, an auto insurer experienced an increased claim withdrawal rate when the SIU became involved quickly, resulting in significant savings.

## **How Does This Affect Customer Experience?**

Customers are very concerned about insurance fraud.

According to the _Coalition Against Insurance Fraud, "insurance fraud is one of America's largest crimes — at least $308.6 billion is stolen each year."_

Most consumers understand that the $308.6B stolen yearly increases their premiums and slows their carrier's ability to pay legitimate claims. But insurers continue to be under pressure from consumers and regulators to pay legitimate claims faster while eliminating fraudulent claims at the same time.

Insurers can identify fraudulent claims using the customer's personal data or Personally Identifiable Information (PII). However, not all customers are comfortable with insurers using their personal data to identify fraudulent claims.

## **\#5 – Avoiding the Challenges of Using Personally Identifiable Information**

According to Coalition Against Insurance Fraud report, The Ethical Use of Data to Fight Insurance Fraud Study, _"When asked about their level of concern with insurance fraud and how their data is used to fight fraud, an amazing 84% of respondents said they are either "very concerned" or "concerned" about these issues."_

Voice-based questionnaires do not require the use of PII data, side-stepping this issue entirely.

An auto insurer recently piloted a voice-based questionnaire that received a 5-star customer satisfaction rating from all insureds who went through the process, while another insurer's pilot has reduced claim payment times by 4.5x.

Learn more about insurance trends with Clearspeed!

## **Let's Pay the Good Guys**

Each category in the voice analytics ecosystem offers value to enterprises. Your opportunity is to design your organization's portfolio of voice technologies to increase security, optimize operations, and improve customer experience.

## **Don't Make Yourself an Easy Target**

Opportunistic insurance fraud is tempting as it can appear as easy money. But most individuals will follow the least path of resistance.

The advances in voice technology have proven to be an effective deterrent for opportunistic fraud, forcing individuals to move on to easier targets for committing insurance fraud.

Let's turn the tables on opportunistic fraud by forcing **_them_** to determine who the high-risk carriers are for submitting fraudulent claims.

To learn more about how Clearspeed voice analytics can integrate with other voice technologies and your existing infrastructure, request a demo today.

If you would like to know more about voice analytics enhances the claims process, request a voice analytics demo today.

## Insurance Claims Revolution

# Clearspeed Partners with 1st Central to Transform Its Insurance Claims Experience

## Shoba Lemoine

\|

## March 24, 2025

BACK

## **Clearspeed Partners with 1st Central to Transform Its Insurance Claims Experience**

_Voice-based risk assessment yields accelerated payments and enhances customer experience_

**SAN DIEGO, CA —  March 24, 2025**— Clearspeed, the leader in voice-based risk assessment technology, today announced a new partnership with 1st Central, one of the UK's fastest-growing insurance providers. The collaboration integrates Clearspeed's innovative voice-based risk assessment into 1st Central's claims processing workflow to accelerate the settlement of legitimate claims while also boosting fraud detection.

1st Central has implemented Clearspeed's technology across some of its motor claims processes. The implementation aligns with 1st Central's customer-centric approach to claims handling, which prioritizes rapid resolution for genuine claims.

"At 1st Central we have a proactive approach to fraud prevention and the use of this technology reinforces our stances in protecting honest customers. We must constantly innovate and re-invent how we work for efficiency and tackle this massive fraud challenge–but without disrupting the customer experience,” said Paul Priestley, Counter Fraud Director at 1st Central. "Clearspeed is delivering really positive outcomes for our customers. We're seeing great benefits internally because we want to efficiently screen as many claims as possible without impacting on genuine customers, and this is an excellent tool to achieve that balance."

The Clearspeed technology seamlessly integrates into customer interactions or workflows. It is part of an existing journey with a customer where they are invited (online, text, email, call center transfer) to respond to a short set of automated yes or no questions by phone. Clearspeed's proprietary voice technology analyzes and scores the responses to identify the presence of vocal characteristics associated with risk, allowing 1st Central to effectively triage claims at scale. Where risk is low, individuals can be accelerated through the process, freeing up resources to focus on the cases alerted as high risk.

"This partnership with 1st Central demonstrates how our technology can simultaneously improve customer experience and strengthen fraud prevention," said Alex Martin, CEO of Clearspeed. "It reflects a shifting paradigm in insurance fraud prevention, moving away from universal delays toward a more targeted approach," explained Martin. "Clearspeed creates a more efficient process that allows our partner insurers a real opportunity to build trust, better serve their customers, and drive long-term retention and success.”

Unlike traditional risk assessment methods that rely on extensive documentation validation, subjective evaluations, and lengthy processing times, Clearspeed's approach is:

- **Fast** – provides in-the-moment insights to enable quicker settlements
- **Bias-free** – not dependent on historical data or predictive models
- **Frictionless** – removes cumbersome steps for genuine customers

“It has already yielded impressive results improving the customer journey and settlement times to ensure we protect customers," Priestley noted.

Clearspeed works closely with 9 of the top 10 UK insurers. On average, insurers experience a 50% reduction in average claims handling time and a 40% increase in immediate settlements to claimants, all without compromising customer experience ratings.

1st Central, a data-driven business with a successful growth rate, plans to further expand its use of Clearspeed's technology to household insurance claims, policy applications and renewals, and liability decision-making.

## **About 1st Central**

1st Central is a car insurance broker that is a top five largest seller of new motor insurance policies in the UK and has over 1.4m customers. 1st Central acts as the intermediary and policy administrator between the insurer and customers and is ranked as ‘Excellent’ on TrustPilot. Policies provided via 1st Central are underwritten by 1st Central Underwriting.

Both 1st Central and 1st Central Underwriting are part of 1st Central Group, which delivers market-leading insurance, underwriting, and distribution services using technology and data to reduce risk, tackle fraud and deliver innovative products. The group has around 1,200 employees with offices in Guernsey, Gibraltar, West Sussex, and Manchester. 1st Central Group was recently named one of the UK’s Best Workplaces™ for Wellbeing (2023) by Great Place to Work® and ranked 9th in the UK's Best Workplaces for Women™ 2023. 1st Central Group was also ranked 22nd in Glassdoor’s Best Places to Work in the UK for 2024.

For more information, visit www.1stcentralinsurance.com.

## **About Clearspeed**

Clearspeed is the market leader for assessing risk in speech. Global organizations trust our highly precise, accurate, and unbiased voice analytics to fast-track low risk while also alerting to possible fraud. Our clients and partners rely on the unique data we provide to improve their risk confidence, reduce their costs, and deliver an improved customer experience.

For more information, visit www.clearspeed.com.

## Trust Through Voice Analytics

# Clearspeed's momentum in insurance: Building trust faster, one voice at a time

## Scott Moore

\|

## October 10, 2024

BACK

It's been a busy year for Clearspeed, and we're seeing incredible momentum as insurers around the world embrace the power of voice analytics to combat fraud and enhance the customer experience. We're not just building a solution; we're building a movement. We believe that trust is the desired outcome of every interaction - and our movement is towards a better world through trust enablement, at scale.

## **Industry Recognition and Growth**

Clearspeed's innovative approach to risk assessment is turning heads across the insurance sector and is transcending geographies. We were recently honored as a PropertyCasualty360 Luminary, a testament to the transformative impact our technology is having on the industry. Clearspeed was also awarded the Technology Collaboration of the Year at the 2024 Insurance Times Tech & Innovation Awards along with Allianz Personal and Allied Universal CNI, and were thrilled to have this partnership also highly commended for the prestigious Insurance Times Claims & Fraud Award, Collaboration of the Year. Earlier this year, CNBC recognized Clearspeed as one of the World’s Top Insurtechs in underwriting and risk analysis.

## **Delivering Real Results for Our Clients**

Clearspeed's voice analytics technology is helping some of the largest insurers across the US and UK optimize the end-to-end insurance lifecycle, from streamlining underwriting and claims processing to reducing fraud losses, and enhancing customer satisfaction. By analyzing vocal characteristics in real-time, we can identify potential risk indicators across the insurance lifecycle. Our technology allows underwriters to fast-track low-risk applications and renewals and turn their time and attention to more high-risk or complex applications and also allows insurers to fast-track legitimate claims and focus resources where they're needed most.

The results speak for themselves: Our clients have seen an average of more than 50% reduction in transaction handling time, a 35% increase in fraud loss savings per claim, and a 65% reduction in investigation costs. That's an average ROI of more than 30 times. We're proud to be delivering this level of impact for our valued client partners helping them optimize their workflows and accelerate customer journeys, whether in underwriting or claims processing, increasing cost savings and efficiencies across their businesses.

## **Accelerated Adoption and a Clear Vision for the Future**

With an 800% increase in client usage over the past year, it's clear that the insurance industry is embracing Clearspeed's risk assessment solutions. We're seeing new customer wins, industry accolades, and a growing recognition of the power of voice analytics to transform the insurance landscape.

As we look ahead, we're committed to pushing the boundaries of what's possible. We're not just building a solution; we're building a platform – a platform that will enable organizations to assess risk and build trust faster and more effectively than ever before.

> "The future of risk assessment is about moving beyond traditional methods and embracing the dual power of technology and humans. Clearspeed's voice analytics technology is just the beginning. We're constantly exploring new ways to leverage innovation to build a more trustworthy and secure future for businesses and individuals alike." - Alex Martin, CEO, Clearspeed

## State of P&C Claims

# The state of P&C claims: What the data is telling us and how Clearspeed can help

## Rebecca Falk

\|

## May 6, 2026

BACK

## Executive summary:

Structural pressures within the P&C market are expected to erode margins over the next several years, specifically in personal and commercial auto. And, insurance fraud costs the U.S. an estimated $300 billion annually, with catastrophic weather events creating ideal conditions for fraudsters to exploit overwhelmed claims teams. Leading carriers are deploying tools at the earliest stages of claims triage to fast-track low-risk claims and route high-risk ones for investigation, while most carriers still lack the technology maturity to do this consistently. Clearspeed provides a voice-based risk assessment layer deployable at FNOL across any line of business, and has already demonstrated enterprise-scale results.

## Introduction

The property and casualty (P&C) insurance market is coming off one of its strongest underwriting environments in nearly two decades. Strong pricing, market conditions, and improved performance have resulted in combined ratios rebounding towards profitability.

However, the same reports that are celebrating profitability are also flagging emerging pressures that could reshape the claims landscape over the next several years. They are highlighting rising loss severity, escalating litigation costs, increased fraud, and growing catastrophe losses as forces that will define the next cycle.

The next market cycle is already forming. Carriers that invest sooner in better risk detection and fraud prevention will be those who are best positioned to maintain margins as conditions tighten up. The following piece draws on recent industry reports and research to surface what’s coming in the future and how carriers should be responding – particularly with early risk assessment solutions to prepare for what’s next.

## The inflection point

Recent performance across the P&C sector has been encouraging. Data from S&P GMI ( Global Market Intelligence) projects the strongest overall P&C combined ratio in 18 years for 2025 (~96.2). For many carriers, this demonstrates a welcome return to profitability following years of inflation-driven losses and catastrophe volatility.

While the headline numbers may look good, the trend lines don’t. Forward-looking indicators tell a different story where several key lines of business, such as auto, continue to suffer from structural pressures. Personal auto combined ratios are forecast to climb back to 97.1 in 2026 and worsen through 2028. As for commercial auto, it remains one of the industry’s most persistent problem areas. According to AM Best, it has now posted underwriting losses for 14 consecutive years; 2024 losses hit $4.9B which is nearly double the 11-year average of $2.9B.

Overall P&C premium growth is expected to decelerate from ~5.5% in 2025 to ~3% in 2026 as the market softens and competitive pressures increase. The takeaway is clear: carriers in a profitable moment have a narrowing window to invest in the right kind of infrastructure that protects margins when conditions continue to tighten.

## Social inflation is reshaping claims costs

Based on research from the Swiss Re Institute, annual liability costs driven by this social inflation (litigation costs, changing jury attitudes, expanding liability awards, as some examples) grew by approximately 7% in 2024 – the highest increase in two decades. Further:

- Only 56% of Americans now believe there are too many lawsuits — down from 90% in 2016 ( Swiss Re Behavioral Social Inflation Study)
- 76% of respondents say damages awarded are too low or just right — signaling nuclear verdicts will keep climbing (Swiss Re)
- Social inflation is now migrating from commercial auto into personal auto and umbrella lines ( S&P GMI)
- Commercial auto loss severity has more than doubled since 2015
- The takeaway: Carriers can’t price their way out of this. Early risk identification before legal representation enters the picture is the only reliable lever

The numbers only tell part of the story. What’s driving this surge also correlates to the breakdown of trust between the industry and those it serves. On Clearspeed’s Trust Talks podcast, Richard Wolff, Managing Director of Casualty Claims at Markel explains that things go off the rails when a segment of the population begins taking significant advantage of that system. That dynamic fuels a cycle: as costs rise and claims become more adversarial, insurers respond with more scrutiny and friction. Claimants, in turn, grow more likely to seek legal representation early. And once an attorney enters the picture, the entire trajectory of a claim changes.

Wolff also identified something the industry doesn’t talk about enough: the defense side has historically been poorly coordinated compared to the plaintiff’s bar. Plaintiff attorneys share information, build centralized case repositories, and operate cooperatively. The defense side has largely not. That asymmetry is part of why organized fraud schemes have been so difficult to combat. His prescription is for carriers and their counsel to shift from purely competitive to “cooperatively competitive.” The conclusion here is that the industry’s relationship with the public is at a critical inflection point, and rebuilding it starts well before the courtroom.

## Fraud is scaling with claims volumes

Insurance fraud continues to be one of the most significant cost drivers across the industry, costing the U.S. an estimated $300 billion per year nationally. It is equally as significant in the U.K. market where the Association of British Insurers (ABI) identified £1.16 B ($1.54B) worth of fraudulent general insurance claims in 2024 (a 12% rise from the previous year). This volume impacts both insurers and policyholders through higher premiums.

Fraud is particularly severe in areas where claims volume is highest. In Florida alone, $40-50 billion annually are accounted for – with 15% of U.S. homeowners claims and 71% of all homeowners claims-related litigation.

Catastrophic (CAT) events create an ideal condition for fraudsters to strike. Large scale disasters are peak times for many to take advantage of staged losses, exaggerated damages, roofing fraud, assignment of benefits (AOB) abuse, and personal injury protection (PIP) scams. In just 2025, global CAT losses hit ~$107B in 2025; California wildfires alone projected ~$40B in insured losses. This influx of CAT volume overwhelms traditional SIU capacity, and manual triage processes struggle to scale to meet demand. As backlogs grow, it’s not just the volume, the trade-off on speed versus accuracy is the concern; insurers are more likely to accept compromise as a means to getting claims settled quicker. Having a solution that helps insurers quickly and accurately triage for risk at initial notice of loss is increasingly important to scaling efficiently while better meeting customer needs, when both are most vulnerable

## What high-performing carriers are doing

As pressures mount, there is a divide between carriers who are modernizing and those who still rely on traditional, manual workflows. Research from the WTW indicates that AI and advanced analytics are quickly reshaping underwriting, claims triage, and fraud detection across the P&C industry (WTW Insurance Marketplace Realities 2026). Those who are investing in end-to-end technology platforms are experiencing measurable operational improvements. They are achieving faster settlements, lower litigation rates, and improved customer retention.

But, most carriers still lack this maturity. Based on the State of Claims Maturity 2026 report, most still lack consistent, technology-enabled triage frameworks (ValueMomentum 2026) that would help them identify risk early on in the process.

Leading carriers are responding by deploying artificial intelligence or other risk assessment tools directly at the earliest stages of the claims process. This allows them to fast-track low-risk claims for rapid settlement while routing high-risk claims for investigation. When done correctly, they are settled before costs begin to compound.

## How Clearspeed fits

In 2025 alone, 757 regulatory changes were tracked in the U.S.— carriers need tech that scales compliance alongside claims efficiency.

Clearspeed provides a critical intelligence layer early in evolving P&C claims processes – and at any touchpoint throughout. The voice-based risk assessment technology has already been proven at enterprise scale. For example, Allianz has reported identifying £93 million ($123.8 M) in fraudulent claims in the first half of 2025, with Clearspeed playing a significant role in helping claims teams detect suspicious activity earlier in the process.

Clearspeed can be deployed across any line of business, including personal auto, commercial auto, homeowners insurance, and catastrophe claims – the three lines under the most pressure in 2026. It also ensures:

- Low-risk claims are fast-tracked for settlement → reducing unneeded claims scrutiny and cost, while improving customer experience
- High-risk claims are flagged with detail → leading to earlier intervention and more efficient investigations

Early risk identification, scalable fraud detection, and intelligent claims triage will play a central role in protecting underwriting margins and improving policyholder experiences in the years ahead.

For insurers looking to strengthen their operations in 2026, the next step is simple. See how Clearspeed works in your claims environment. → Request a demo: clearspeed.com/demo

## **Works Cited**

Allianz. “Allianz UK Detects Frauds Totalling £93m in First Half of 2025.” _Allianz UK_, 2025, www.allianz.co.uk/news-and-insight/news/allianz-uk-detects-frauds-totalling-93m-in-first-half-of-2025.html.

AM Best. Press Release No. 36511. _AM Best News_, news.ambest.com/PR/PressContent.aspx?altsrc=2&refnum=36511.

AM Best. “AM Best Report.” _Insurance Journal_, 22 Sept. 2025, www.insurancejournal.com/news/national/2025/09/22/840105.htm.

Insurance Insider. “Insurance Industry Report.” _Insurance Insider_, www.insuranceinsider.com/resources/insurance-industry-report.

Risk & Insurance. “Commercial Auto Insurance Losses Hit $4.9 Billion as Social Inflation Drives Severity Beyond Pricing Gains.” _Risk & Insurance_, riskandinsurance.com/commercial-auto-insurance-losses-hit-4-9-billion-as-social-inflation-drives-severity-beyond-pricing-gains/.

S&P Global Market Intelligence. “Market Intelligence Feature.” _Carrier Management_, 6 Jan. 2026, www.carriermanagement.com/news/2026/01/06/283094.htm.

S&P Global Market Intelligence. “Market Intelligence Feature.” _Insurance Journal_, 9 Mar. 2026, www.insurancejournal.com/magazines/mag-features/2026/03/09/860637.htm.

Swiss Re Institute. “Litigation Costs Drive US Liability Claims by 57% Over Past Decade.” _Swiss Re_, www.swissre.com/press-release/Litigation-costs-drive-US-liability-claims-by-57-over-past-decade-reveals-Swiss-Re-Institute/0b538159-9648-47da-a152-4550a7640d35.

Swiss Re Institute. “Litigation Costs and Claims Inflation.” _Swiss Re Sigma_, no. 4, 2024, www.swissre.com/dam/jcr:6bc7d3b7-0f42-4209-a01a-e22787b98685/sri-sigma4-2024-litigation-costs-claims-inflation-final.pdf.

Swiss Re Institute. “Swiss Re Report.” _Insurance Journal_, 26 Sept. 2025, www.insurancejournal.com/news/international/2025/09/26/840755.htm.

ValueMomentum. “The State of Claims Maturity in P&C Insurance 2026.” _ValueMomentum_, 2026, valuemomentum.com/whitepapers/the-state-of-claims-maturity-in-pc-insurance-2026/.

WTW. “Insurance Marketplace Realities 2026.” _WTW_, Oct. 2025, www.wtwco.com/en-us/insights/2025/10/insurance-marketplace-realities-2026.

## Zurich Claims Enhancement

Client stories

# Zurich optimizes claims validation and enhances customer experience with Clearspeed

BACK

**Executive summary**

Zurich UK partnered with Clearspeed and Allied Universal to modernize its claims fraud and validation process amid rising fraudulent claims and growing operational pressure. Seeking earlier fraud detection without compromising customer experience, Zurich deployed Clearspeed’s voice-based risk assessment technology across P&C and warranty/device claims. The results accelerated genuine claim settlements, increased fraud referrals, and created a powerful deterrent effect that has fundamentally changed how Zurich approaches claims validation.

Clearspeed Testimonial - Scott Clayton - Zurich

## Key Outcomes

58%

of claims accelerated for payment

5%

claim withdrawal rate (up from ~ 1%; serves as a powerful deterrent)

20%

lift in fraud referral

The Challenge

**Rising fraud and the need for faster, more confident claims decisions**

Many insurers in the UK have continued to grapple with the impact of the cost-of-living crisis and higher interest rates, while also keeping pace with increasingly sophisticated fraudsters. According to Zurich UK, fraudulent property claims have increased by 88% in two years alone (since 2022). The organization also reported a 44% increase in claims investigations in that same time period. Over the last few years, the Zurich organization has been focused on investing in technology to improve business efficiency and enhance customer experience to adapt to evolving consumer expectations. In the UK, Zurich’s Head of Claims Fraud Scott Clayton and his team were looking for technology to gather insight for fraud detection and claims validation that they otherwise wouldn’t have access to.

Clayton saw a significant opportunity to better and more quickly identify potential risk of fraud earlier in the claims process, as well as have a better handle on stage two and three fraud referrals. Driving operational efficiency while maintaining customer experience was paramount.

Solution

**Voice-based risk assessment embedded into the claims process**

As a trusted partner to Zurich for 20 years, Allied Universal Compliance and Investigations recognized the potential for Clearspeed’s technology to significantly improve Zurich’s claims processing and complement its existing risk assessment capabilities. Leveraging Clearspeed would help augment Zurich’s current approach and better deploy their expert handlers while prioritizing customer experience.

“Clearspeed is a very unique technology that provides never-before-seen insight, which is what drew us to the solution,” says Clayton, who has a multi-decade-spanning career with Zurich. He adds that he was driven to explore Clearspeed’s voice-based risk assessment capabilities after seeing real-life ROI examples from other clients.

Zurich’s first deployment of Clearspeed’s technology was on P&C and warranty/device claims for a high value client book of business, with an eye to understanding Clearspeed’s impact on fraud referrals and customer experience (in particular, disrupting or unsettling customers) as two key success metrics. Following this phase of working with Clearspeed, Zurich saw increases in both its claims that were accelerated for payment and its claims withdrawal rate — the latter a testament to the deterrent effect of leveraging Clearspeed early in the claims process. The team also saw an uptick in fraud referrals — flags that may have otherwise been missed.

Clearspeed has fundamentally changed Zurich’s fraud approach. The proactive identification of risk early in the claims process allows Zurich to fast track low risk claims, preserving resources and preventing unnecessary delays for customers.

_“Clearspeed was initially used as a fraud detection tool, but now we are embedding it into our processes as a claims validation tool,”_ says Clayton. _“It provides better outcomes from a fraud detection perspective, but has also given us far more confidence that the claims we’re settling are genuine.”_

Clayton notes the idea of a “multi-layered fraud filter” as a strategic approach to reducing fraud — with powerful layers spanning the full claims cycle.

### "The Clearspeed technology is game-changing in terms of what it can do in the claims validation cycle. Where you can use tech to validate with a high degree of confidence, that has a massive impact in our world."

**Scott Clayton**

Head of Claims, Zurich UK

## Innovative Risk Assessment

About us

# Clearspeed began with a Marine who refused to accept that vetting failures were inevitable

In Iraq, Marine officer Alex Martin's close friend was killed on a joint patrol. The shooter was an infiltrator, embedded in their own formation, vetted and cleared to operate alongside coalition forces with the best tools and systems available at the time. The process said yes. And none of it was enough.

Martin came home obsessed with one question: how did the process clear someone who never should have been there? The traditional playbook looked backward at records, patterns, and history. Where data was missing, blind spots formed. There was no way to fill them in time.

So he set out to build a better way to assess risk and build trust at the moment of decision.

#### The key to trust wasn't in any database

Martin had plenty of data. What no database could give him was a way to verify the person in the moment, at the point of decision.

He partnered with Stanford professor Chuck Holloway to find a different kind of answer. Past the records. Past the profiles. Past everything a database could hold. What they found was in the voice. Not in what people said, but the changes that occur when someone answers a question where something is at stake. That signal became the foundation for Clearspeed.

#### First deployed where the stakes don't get higher

Clearspeed’s first major defense client was U.S. Special Operations Command. In 2018, it screened 715 Afghan commando recruits in under 20 hours. A process that had previously taken months.

General David Petraeus, an early investor, called it “outsized value for personnel vetting, insider threat mitigation, and enterprise security.” If it worked for SOCOM, everything else was within reach.

>97%

Accuracy rate

SOCOM

60+

Languages across 37 countries

Series D

$110M total investment raised

#### Most people are trustworthy. We started there.

Risk tools have long been built on the same idea: treat everyone as a potential threat and search for a reason to reject them. They find what they are built to find. Meanwhile, the people who did everything right wait anyway.

Clearspeed starts from a different belief: that most people are genuine. So it fast-tracks them, and gives the few who warrant a closer look a path through the regular process. The result is faster, fairer, and objective by design.

#### Trust is the mission

Clearspeed is built for institutions that cannot afford to get trust decisions wrong. Our mission is to bridge the gap between risk assessment and the decision to trust, as AI makes trusted signals harder to find and false ones easier to scale.

## "Trust is a battle space. It always has been. The ability to rapidly assess who can be trusted is a strategic advantage."

Alex MartinCEO and co-founder, Clearspeed

Listen to the podcast

# Who we are

The Clearspeed team brings experience from defense, intelligence, risk, technology, and enterprise operations. Backgrounds shaped by
decisions made under pressure.

### Alex Martin

CEO & Co-Founder

### Francesco Crippa

Chief Technology Officer

### John Zaal

Chief Operations Officer

### Jules Ehrlich

Chief Product & Strategy Officer

Meet the Team

CAREERS

**Work on problems that matter**

We are looking for people who want to work on one of the hardest problems in risk: enabling trust at scale in a changing world.

SEE OPEN ROLES

## Fraud Prevention Solutions

Payments and claims

# Payments happen in real-time. But so does fraud.

Payments and claims are the fastest-moving, highest-stakes arenas in banking fraud. Pressure to process fast is relentless. Customers want instant everything, and with zero friction. But fraudsters can act faster than traditional systems can respond. Clearspeed delivers a real-time risk indicator at point of interaction that helps banks catch risk of fraud before it clears.

## Fraudsters bank on your need for speed

Financial institutions have invested heavily in infrastructure to improve the customer experience - real-time payments, instant decisions, automated claims processing. But these very capabilities create an environment for fraud to thrive. And with current processes, the need for speed creates less room for the scrutiny needed to catch fraud risk.

## Expedite the trustworthy. Expel the fraudulent.

CLARITY

#### Shine a light on hidden risk

A real-time risk indicator helps close the gap exploited by fraudsters. Clearspeed delivers an individual-level signal in the moment, not based on historical patterns or credentials. High-risk transactions get flagged, while the low-risk majority are cleared quickly.

SCALE

#### More transactions, same team

Fraud in millions of transactions is designed to be indistinguishable from legitimate activities around it. Teams tasked with finding it are finite, and need a smarter, faster way to triage at scale. Clearspeed operates across the full volume of payments and claims, providing the same precise, real-time risk assessment across each interaction. Teams become more efficient, more accurate, and more effective, without compromise.

SPEED

#### Low-risk interactions clear faster

When low-risk transactions are identified early, they move through faster. Faster decisions, less friction for the customer, a cleaner process for the team.

## A unique indicator for risk of fraud

01

The questions

A short set of yes-or-no questions, answered by the individual.

02

The signal

Clearspeed analyzes for risk signals in the vocal response.

03

The indicator

You receive a clear risk indicator in real time.

Minimal risk

Fast-track

The transaction moves forward, no friction, no delays.

Elevated risk

Follow up for review

The transactions that need a closer look, get one.

01

AUTHORIZED PUSH PAYMENT (APP) FRAUD

Intervene before payments clear

Authorized Push Payment (APP) fraud can use the banks own systems against it, turning legitimate customers into unwitting accomplices. Use Clearspeed to:

- Surface hidden indicators of payment risks
- Identify early warning signs of vulnerable adult scams
- Protect account holders by verifying and validating the transaction

02

CHARGEBACK FRAUD

Verify and validate

Chargeback fraud is both a pervasive and underestimated form of financial crime, with bad actors exploiting a bank’s customer obligation. Clearspeed surfaces hidden indicators of payments or chargeback risk early, going directly to the source for a real-time assessment of risk.

- Validate unauthorized access to a customer’s account
- Determine legitimacy of disputes regarding receiving or possession of goods
- Speed up low-risk transactions for reimbursement

03

SCAMS

Scams don’t hack the system. They hack the person.

Scams exploit the very real and personal side of a transaction – the human. Trust, fear, urgency – emotional manipulation drives the staggering financial loss. But on the systems side, everything looks legitimate. With Clearspeed, banks get a real-time, individual-level risk signal at the point of interaction, uncovering insight to better intervene, protect vulnerable customers, and stop money from moving before it’s too late.

- Find early warning signs of romance scams, vulnerable adult scams, investment scams, and more
- Identify illicit attempts to access an individual’s funds or personal information
- Prevent impact on customer confidence and business operations

## How Clearspeed enables trust verification at every transaction point

Clearspeed operates at the point of interaction, delivering an individual assessment of risk that no transaction record or behavioral pattern can replicate. Catch risk of fraud earlier, move legitimate customers through faster, and make the payments and claims operation work at speed. A few yes-or-no questions, grounded in decades of neuroscience.

Request a demo

## See how other industries are tackling risk

**Insider threat**

Learn More

**Fraud and financial crime**

Learn More

## Carpool Conversations

# FF News Carpool Conversations

## Matt McHenry

\|

## November 15, 2022

BACK

## Alex Martin, Clearspeed, Reveals The 3 Questions Every Entrepreneur Should Be Asking

November 15 2022

Alex Martin of Clearspeed has an ingenious method for getting to know his employees and potential clients. And it doesn’t require you having to read up and research everything there is to know about insurance technology. Now the CEO of a company that has raised $50 million in venture capital funding since its launch in 2015, its signature product relies on voice analytics that conduct automated risk assessments for a range of industries. Target customers and users include insurance companies, third-party administrators and special investigation units. Understanding the importance of risk when it comes to technology is vital, and is something Alex has a close personal connection to from his background in the United States Marine Corps: “It’s taken many years to get the tech right, but we had to do that when our first customers were folks in the military, where life and death were the stakes.” Now rapidly becoming a globally used product, Alex gives us the low down on his plans for the future of the company, why he feels London is the leading player when it comes to insurance innovation, and which movie holds the secret to everything we need to know about life…

Watch more from the Carpool Conversations Series

## Clearspeed Client Stories

# Client stories

See how leading organizations use Clearspeed to build trust faster

All

Zurich optimizes claims validation and enhances customer experience with Clearspeed

READ MORE

Allianz UK personal lines speeds up claims validation with Clearspeed

READ MORE

UK motor insurer Abacai validates risk identification and fast-tracks genuine claims with Clearspeed

READ MORE

Clearspeed supports SOCOM in vetting and screening Afghan commando recruits

READ MORE

A Philippines-based energy company stops insider theft with Clearspeed's voice-based risk assessment

READ MORE

Uganda Wildlife Authority and Rhino Fund Uganda use Clearspeed to support wildlife conservation

READ MORE

## Clearspeed Leadership Team

# Our leadership team

Building trust faster is what will keep businesses, people, communities and us all, moving forward. Meet the leaders that guide the Clearspeed mission.

Contact Us

## Our executive team

### Alex Martin

CEO & Co-Founder

### Ashly Arroyo

Chief of Staff

### Laurie Babinski

General Counsel

### Francesco Crippa

Chief Technology Officer

### Emily Ellis

Chief Human Resources Officer

### Jules Ehrlich

Chief Product & Strategy Officer

### Rick Lund

Chief Financial Officer

### Scott Moore

Chief Revenue Officer

### Sarah Terrelonge

Chief Marketing Officer

### Steve Wisotzki

EVP, Government, Defense, and Security

### John Zaal

Chief Operations Officer

## Our board of directors

### Bill Forrest

Chairman of the Board

### Alex Martin

Board Member

### Steve Munford

Board Member

### Anna Nekoranec

Board Member

### Rico Rosales

Board Member

## Our advisors

### Chuck Holloway

Board Advisor

### Melvin G. Spiese

Board Advisor

### Jeff Williams

Board Advisor

### Jerry Bowen

FinServ Advisor

### Kim Garland

FinServ Advisor

### Rick Lanter

FinServ Advisor

### Ryan Sparks

FinServ Advisor

### Don Blersch

Defense & Security Advisor

### Rob Howe

Defense & Security Advisor

### Lance Mans

Defense & Security Advisor

### Ed Stroz

Defense & Security Advisor

### General David Petraeus

Investor

## Clearspeed Funding Announcement

# Silicon Angle: Clearspeed raises $60M to expand voice-based risk assessment platform

## Rebecca Falk

\|

## June 26, 2025

BACK

Voice risk assessment startup Clearspeed Corp. today announced that it has raised $60 million in new funding to scale up its artificial intelligence‑driven voice-based risk assessment platform.

Founded in 2016, Clearspeed offers voice‑based risk assessments that leverage AI to analyze vocal patterns, such as tone, cadence, hesitation and stress, rather than semantic content. The company’s voice analytics engine identifies universal human vocal characteristics that serve as objective indicators of risk. It’s designed to work across more than 60 languages without relying on words or metadata.

Initially developed for the U.S. Department of Defense, Clearspeed’s technology quickly exposes indicators of risk for government and military agencies, though in 2025, the technology has been adopted across a range of industries.

In insurance and financial services, Clearspeed’s tech can be used early in the customer journey, whether during claims, underwriting or onboarding calls, to fast-track low‑risk interactions automatically while flagging potentially risky ones. Clearspeed claims this allows insurers to halve claims handling time, increase instant payouts by approximately 40%, achieve more than a 30-fold return on investment, and significantly curb fraud.

In government, defense and national security use, Clearspeed’s voice analytics support faster personnel vetting, insider‑threat detection and security clearance screening.

Among the company’s offerings, a version called Clearspeed Express enables rapid deployment via cloud application programming interfaces or telephony integration to deliver real‑time risk scores during live conversations without disrupting existing workflows. The platform delivers unbiased, real‑time alerts that assist organizations to efficiently triage cases, improve decision quality and elevate trust between all parties.

The Series D round was led by Align Private Capital, with participation from IronGate Capital Advisors, Bravo Victor Venture Capital, KBW Ventures and former U.S. Central Intelligence Agency Director and Retired General David H. Petraeus. As part of the deal, Anna Nekoranec, co-founder and chief executive of Align Private Capital, is joining Clearspeed’s board.

> “Clearspeed has demonstrated true dual-use potential with scalable commercial results and meaningful impact in high-stakes environments,” Align Private Capital’s Nekoranec said in a statement. “It’s rare to see a solution that can reduce fraud, mitigate security threats and save significant costs without creating friction for the end user. This is the innovation needed to build smarter, more human-centered systems of trust.”

The new funding takes the total amount raised by Clearspeed to $110 million.

See the original article here

## Insurance Fraud Prevention Partnership

# ICICI Lombard Partners with Clearspeed Through Aelius to Tackle Claims Fraud in India

## Shoba Lemoine

\|

## June 12, 2025

BACK

**MUMBAI, INDIA – June** **12, 2025** – ICICI Lombard, India's leading private general insurance company, today announced a partnership with Clearspeed, the global leader in voice-based risk assessment technology. This solution, delivered through channel partner Aelius, aims to address the fraud risk in Insurance claims in India.

The risk management solution was successfully piloted on motor theft claims by Clearspeed and ICICI Lombard. Motor theft is a sizeable issue in the Indian market, and some fraudsters use this opportunity to lodge fraudulent claims.

**Mr. Nazeem Khan – Head – ICLM, Motor Third Party Claims & Litigation, ICICI Lombard,** said, "This partnership with Clearspeed aligns perfectly with ICICI Lombard's fraud prevention model that we have been developing and refining for a number of years. By integrating Clearspeed's new approach to risk assessment with our extensive experience in the Indian insurance market, we are taking a significant step toward addressing fraudulent claims while ensuring our customers with genuine claims receive timely settlements."

Clearspeed's revolutionary approach to risk assessment differs fundamentally from traditional methods. Unlike traditional risk assessment methods that rely on extensive documentation validation, subjective evaluations, and lengthy processing times, Clearspeed's solution is:

- Fast – providing real-time insights to enable quicker settlements

- Bias-free – operates independently of historical data or predictive models

- Frictionless – removes cumbersome steps for genuine customers

"We are excited to partner with ICICI Lombard to address its challenges unique to the Indian market," said **Alex Martin – CEO, Clearspeed**. "We have supported some of the largest global insurance carriers in the U.K. and the U.S., delivering an overall reduction of 50% in average claims handling time and a 40% increase in immediate settlements to claimants. We look forward to helping ICICI Lombard unlock this type of efficiency while maintaining their excellent customer experience ratings."

The initial focus of this partnership will be motor theft claims, which will benefit from expedited processing, with the collaboration slated to expand across additional insurance lines as the partnership evolves.

## About ICICI Lombard General Insurance Company Ltd.

ICICI Lombard is the leading private general insurance company in the country. The Company offers a comprehensive and well-diversified range of products through multiple distribution channels, including motor, health, crop, fire, personal accident, marine, engineering, and liability insurance. With a legacy of over 2 decades, ICICI Lombard is committed to customer centricity with its brand philosophy of ‘Nibhaye Vaade’. The company has issued over 37.6 million policies, over 3.2 million claims processed and has a Gross Written Premium (GWP) of ₹ 282.58 billion for the year ended March 31, 2025. ICICI Lombard has 328 branches and 15,123 employees as on March 31, 2025.

ICICI Lombard has been a pioneer in the industry, being the first large-scale insurance company in India to migrate its entire core systems to the cloud.  With a strong focus on being digitally-led and agile, the company has introduced multiple AI-powered insurance solutions. The company’s flagship insurance and wellness app, IL TakeCare, which has received over 14.9 million downloads, also offers the industry’s first Face Scan feature. The company has won several prestigious awards- including the Insurance Asia, ICC Emerging Asia Insurance, ET BFSI Exceller, ET Corporate Excellence, Golden Peacock, FICCI Insurance, Assocham, Stevie Asia Pacific, and National CSR in recognition of its various initiatives.

For more details log on to https://www.icicilombard.com/

## About Clearspeed

Founded in 2016, Clearspeed is the global leader in voice-based risk assessment. Its proprietary voice analytics technology identifies potential risk in speech using vocal characteristics universal to all humans—enabling faster, more confident decisions in high-stakes environments. Initially developed for the U.S. Department of Defense, Clearspeed quickly exposes indicators of risk for government and military agencies. Commercially, it helps insurers, financial institutions, and other enterprises assess risks like fraud and insider threats, unlock operational savings, and elevate the customer experience. With broad applications, Clearspeed delivers bias-free, individual risk assessment wherever achieving trust at scale is essential.

Headquartered in San Diego, Clearspeed is used in 37 countries and supports over 60 languages. The company has earned more than 20 industry awards, including CNBC’s World’s Top InsurTech Companies.

Learn more at www.clearspeed.com

## Pinnacol and Clearspeed Partnership

# Pinnacol Assurance Partners with Clearspeed to Streamline Communication and Recovery Workflows

## Shoba Lemoine

\|

## September 4, 2025

BACK

_Voice-based risk assessment will enhance injured worker support processes_

**SAN DIEGO, CA, September 4, 2025**— Clearspeed, the global leader in voice-based risk assessment technology, today announced a new partnership with Pinnacol Assurance, Colorado’s leading workers’ compensation insurer, to enhance how Pinnacol supports injured workers on their path to healing and returning to work.

Pinnacol, whose mission is to “put care to work for the injured worker,” is using Clearspeed to strengthen engagement with injured workers and make the recovery process smoother and more responsive. Workers’ compensation insurance is a safety net that supports the livelihood of workers injured on the job. But for those navigating pain, uncertainty, or emotional stress, it can be difficult to engage through traditional channels. By remaining more connected with injured workers, Pinnacol can better understand their current status, confirm readiness to return to work, and ensure timely injured worker recovery. Early work between Pinnacol and Clearspeed has already proven impactful. The technology helped Pinnacol re-engage with injured workers and augmented the traditional paper mail process with Clearspeed’s automated, voice-based questionnaire. With Clearspeed, Pinnacol:

- tripled its response rate from customers
- freed up claim representative time
- gained faster clarity on which cases required continued attention

Clearspeed’s technology, used by insurers globally, fits seamlessly into the existing customer journey. Individuals are invited—via text, email, online portal, or call center—to answer a short set of automated yes/no questions. Clearspeed’s proprietary voice analytics engine analyzes each response, providing real-time insight without needing personal or medical data. This allows Pinnacol to quickly identify which workers may have returned to the job, completed treatment, or require follow-up, streamlining case triage and reducing unnecessary delays.

> “Behind every claim is a human with a story,” said Quincy Douglass, vice president of operations. “Bringing Clearspeed’s innovation into the process helps us optimize our resources to make sure more workers’ needs are met with speed and confidence. This work builds on Pinnacol’s broader commitment to innovation in service of people—helping Colorado’s workers recover safely and return to meaningful employment.”

Unlike traditional risk assessment methods that can be intrusive and rely on extensive documentation validation, subjective evaluations, and lengthy processing times, Clearspeed's approach is:

- **Fast** – provides in-the-moment insights to enable quicker payments to the injured
- **Bias-free** – no personal identifiable information (PII)
- **Frictionless** – easier than cumbersome manual steps

> “Our partner Pinnacol understands that when people are recovering from an accident, the last thing they need is complexity. Together we’ve created a process that builds trust and helps workers engage throughout their recovery,” said Alex Martin, CEO of Clearspeed. “This partnership also marks a major milestone for Clearspeed in the U.S. insurance market, as we expand beyond our leadership in P&C to support more lines of business and more people in moments that matter.”

With established expertise in property and casualty claims, Clearspeed is rapidly expanding its use cases, including auto and life underwriting and workers’ compensation. Leading global insurers leverage Clearspeed to streamline processes, improve decision accuracy, and enhance the customer experience across the policyholder lifecycle. On average, insurers experience a 50% reduction in average claims handling time and a 40% increase in immediate settlements to claimants, all without compromising customer experience ratings.

With the success of this early phase, Pinnacol plans to expand Clearspeed’s use, including First Notice of Injury and verification in structured settlements.

## About Pinnacol

Pinnacol Assurance is a top-performing provider of workers' compensation insurance. We offer top-rated injured worker care, customized safety solutions and a comprehensive return to work program that helps our customers reduce risk and save costs. You can see our investment in the community through our nationally recognized apprenticeship program, Pinnacol Foundation scholarship program and award-winning culture and engagement work. Pinnacol's team members, culture and services have received numerous awards, affirming our commitment to the people and communities we serve.

Learn more at Pinnacol.com

## About Clearspeed

Founded in 2016, Clearspeed is the global leader in voice-based risk assessment. Its proprietary voice analytics technology identifies potential risk in speech using vocal characteristics universal to all humans—enabling faster, more confident decisions in high-stakes environments. Initially developed for the U.S. Department of Defense, Clearspeed quickly exposes indicators of risk for government and military agencies. Commercially, it helps insurers, financial institutions, and other enterprises assess risks like fraud and insider threats, unlock operational savings, and elevate the customer experience. With broad applications, Clearspeed delivers bias-free, individual risk assessment wherever achieving trust at scale is essential.

Headquartered in San Diego, Clearspeed is used in 37 countries and supports over 60 languages. The company has earned more than 25 industry awards, including CNBC’s World’s Top InsurTech Companies.

Learn more at www.clearspeed.com

## Security Commitment

# Our commitment to security

Clearspeed helps our clients assess risk to make better, faster decisions at scale, and trust is a critical requirement. Your trust is our number one priority.

## Our commitment in practice

Clearspeed is committed to the security of our clients and their data. As a cloud-based company, we are focused on keeping you and your data safe. We encrypt all sensitive data in use, at-rest and in-transit. Clearspeed undergoes regular penetration testing and security audits, designed to meet SOC 2 audits, ISO 27001 and GDPR-compliance requirements, and beyond. This commitment to security is ingrained in our culture.

View Clearspeed Trust Center

##### Encryption

All Clearspeed corporate and client data is encrypted in transit with TLS 1.3. Data is encrypted at rest with AES

##### Data handling

Clearspeed is in compliance with major data security regulations including GDPR and California Data Protection Act

##### Security threat detection

Clearspeed employs a number of cybersecurity threat detection solutions including, but not limited to: Endpoint Detection and Response, Next Generation Anti-Virus protection, Mobile Device Management, and password management tools

##### RBAC

Clearspeed maintains role-based account access workflows to ensure only authorized users have access to data and systems

##### Secure hosting

Clearspeed’s cloud environments are backed by AWS’ security measures

## Continuous security commitment

##### Information security program

Clearspeed maintains an information security program that is communicated and in practice throughout the organization. Our information security program follows the criteria set forth by ISO 27001, SOC 2, and NIST 800-171.

##### Security awareness training

Our team members are required to go through regular employee security awareness training covering industry standard practices and information security topics such as phishing and password management. Additionally, we run on-going phishing tests on our team to keep their awareness skills sharp.

##### Continuous monitoring

We continuously monitor our security and compliance status to ensure there are no lapses.

##### Roles and responsibilities

Roles and responsibilities related to our information security program and the protection of our clients' data are well defined and documented.

Approved IT Systems and Security Procedures include:

- Personnel Background Checks
- Annual Policy Acceptance
- Personal Device Security (BYOD)

##### Third-party audits

As part of our commitment to security, Clearspeed undergoes routine independent third-party assessments to test our security controls. We also perform an independent third-party penetration test at least annually to ensure that the security posture of our services is uncompromised.

##### Transparency

As part of our transparency to our clients, Clearspeed makes our Privacy Policy readily available on our website.

**Read our Privacy Policy**

## Insurance Fraud Solutions

Insurance

# Clearspeed closes the trust gap between moving fast and making the right call

Clearspeed gives insurers a real-time read on risk of fraud at any point in the policy lifecycle, from application and underwriting to first notice of loss, renewal, and everything in between. Trustworthy policyholders move forward with less friction. The situations worth looking into get the attention they deserve.

## When every decision gets the same treatment, everyone pays for it

Insurance runs on trust, but most systems still treat every decision like it needs the same level of rigor. That slows down policyholders, adds drag to the process, and spreads teams thin across situations that were never going to be a problem. Clearspeed changes that with a real-time risk indicator that helps insurers move faster, improve the customer experience, and protect the book.

## What changes when policyholders get the experience they deserve

##### Most policyholders get the green light faster

The genuine majority clears faster at any point in the lifecycle, with less friction and a process that feels fair. The result is a better experience for most policyholders and more room for teams to focus where it matters.

##### Take on any surge without missing a beat

Your operation keeps moving, whatever the volume. A CAT event, a renewal surge, a busy claims period: Clearspeed handles it without adding to your headcount or sacrificing speed. Fully automated, running through whatever infrastructure you already have.

##### Treat every voice the same

Every policyholder gets the same automated questionnaire, assessed the same way, regardless of claim size, channel, or circumstance. The vocal characteristics Clearspeed reads are universal and unbiased, with no PII needed. Results are consistent and defensible across the full policy lifecycle.

##### An insight no record can give you

Pattern detection tells you what someone has done. It can’t tell you what is happening right now. Across the policy lifecycle, Clearspeed gives teams a real-time read. The signal no database holds and no history can ever predict.

Claims

**Clear genuine claims faster, without compromising on fraud**

Clearspeed provides precise indicators of potential fraud early in the claims process or during deeper investigations. Low-risk claims get cleared faster, lowering exposure and costs.

- Clear low-risk claims without the wait
- Give investigators the cases that matter
- Reduce fraud exposure without adding friction

Learn More

Underwriting

**Accelerate applications, not risk**

Clearspeed adds a real-time fraud indicator at the point of application, helping underwriters verify what matters earlier in the process. That means better routing, stronger decisions, and the right premium captured.

- Validate what matters earlier
- Route applications with more confidence
- Capture the right premium

Learn More

Cat Events

**Get trustworthy policyholders on the path to recovery sooner**

After a weather event or catastrophe, volume spikes overnight. Genuine customers and opportunistic fraud arrive in the same wave. Clearspeed separates them in real time so that most customers get back to whole faster, and your adjusters go where the real risk is.

- Clear the surge before goodwill erodes
- Stay ahead of opportunistic fraud moving in behind the event
- Deploy adjusters and investigators where the real exposure is

Learn More

Worker's Compensation

**Return-to-work starts with a clearer read**

What used to be a queue of paperwork becomes a path back to work. Clearspeed reads the signal at first report, so genuine claimants move forward and the cases that need attention get a closer look.

- Approve trusted claims faster
- Simplify routine claims follow-ups
- Accelerate return to work

Learn More

Life and Health

**Seeing past the blind spots**

Underwriting decisions are stronger when teams have the full picture. What applicants self-report and what records show do not always tell the whole story. Clearspeed adds a real-time read at the point of application, helping underwriters see beyond what is disclosed before the policy is written.

- Accelerate trusted applications
- Reduce follow-on testing and reports
- Better capture premium risk

Learn More

## How the voice becomes a signal teams can act on

01

The questions

The policyholder answers a short set of objective yes-or-no questions.

02

The signal

Clearspeed analyzes responses for the vocal characteristics that carry the risk signal.

03

The indicator

You receive a clear indicator of potential risk in real time.

Minimal risk

Clear to proceed

The applicant or policyholder moves forward. No delay, no friction.

Elevated risk

Follow up for review

The cases that need a closer look, get one.

Wherever a decision happens in the policy lifecycle, Clearspeed slots right in

The discovery process works the same at every stage of the policy lifecycle. Only the questions change. At underwriting, it sharpens the decision. At claims, it speeds the resolution. At renewal, it tells you what data alone can't. Your policyholders get a faster, easier experience at every touchpoint.

Application

Underwriting

First notice of loss

Claims

Mid-term endorsements

Renewal

## How we work with you

Most risk tools come with a disruptive technology project attached. Clearspeed layers in intelligence with what you already have, without touching what's already working.

##### API connection

Results come back in real time, directly into your existing systems via a secure REST API or through the Clearspeed web app.

##### Any customer touchpoint

Web, call center, chat. Clearspeed works across the channels you already support. No new interface for your customers to learn.

##### Any point in the lifecycle

Application, underwriting, claims, renewal. Start where the need is greatest and expand from there.

87%Reduction in the claims lifecycle

See client story

58%of claims paid faster

See Client story

## Turn any customer touchpoint into a loyalty moment

In an industry where switching is easy, every customer interaction carries relationship weight. None more than a claim. From first report to settlement, how people are treated is what they remember. Clearspeed reduces friction for the genuine majority so that moment becomes a reason to stay, not a reason to leave.

PODCAST

**Listen to Trust Talks**

A limited series podcast for insurance people, by insurance people

Listen now

## Only Clearspeed enables a real-time read on potential risk of fraud across the policy lifecycle

Request a demo

## Allianz Claims Validation

Client stories

# Allianz UK personal lines speeds up claims validation with Clearspeed

BACK

**Executive summary**

Allianz UK personal lines partnered with Clearspeed and Allied Universal to modernize its claims process. Facing pressure to detect fraud earlier while delivering faster, smoother experiences for genuine customers, Allianz UK deployed Clearspeed to assess risk earlier in the claims cycle. The result was a significant uplift in immediate claim settlements alongside stronger fraud detection, proving that customer experience and fraud prevention are not mutually exclusive.

Clearspeed Testimonial - Ben Fletcher - Allianz

## Key Outcomes

59%

lift in immediate claims settled

36%

lift in average fraud loss savings per claim

Fraud

Earlier identification of opportunistic fraud

The Challenge

**Finding fraud earlier without disrupting the experience for genuine customers**

Allianz UK saw an opportunity to strategically invest in improving and elevating its capabilities to meet changing consumer expectations of speed and convenience, and process genuine claimants more quickly without having to trade off between an accelerated experience and identifying fraud.

“We had a desire to find new and innovative solutions that help find fraud and drive better customer outcomes,” says Ben Fletcher, Director of Financial Crime at Allianz UK personal lines. “Our brand is recognized as being best-loved by customers in the UK, and in that vein, we wanted to find technology to strengthen our capabilities and bolster our team’s ability to deliver for the customer.”

“This was an opportunity for additional fraud detection and improved intelligence, ultimately,” says Matt Smyth, Allianz UK Claims Crime Prevention Manager. “The more information we can capture, the more intelligence we have, and the better informed we — and the industry as a whole — are about risk.”

With opportunistic fraud detection identified as a market weakness, Allianz UK seized the opportunity to identify fraud much earlier in the claims process through its collaboration with Allied Universal, Allianz’s claims investigations provider, and Clearspeed. Allied Universal identified Clearspeed’s technology as unlike any other voice technology or risk assessment solutions available in the market today.

Solution

**Voice-based risk assessment that clears at speed**

Core to the Allianz UK brand is the recognition that customers are at the heart of their business. With this as a guiding principle, Allianz UK took a deliberate approach to find a solution fit for purpose, one that would speed up risk assessment, help identify potential fraud earlier in the claims cycle, and provide a smooth experience for its customers.

“The customer being at the heart of what we do, and trust being at core of Clearspeed was a perfect synergy between us,” says Fletcher. “I need to be able to trust the information given to me, so how can I improve that trust to drive better outcomes for the customer?”

Clearspeed is a unique technology with a proprietary capability of analyzing voice responses to simple yes/no questions to clear genuine claims with speed and accuracy, and proven in its ability to detect common, opportunistic, and evolving fraud. The Allianz team leveraged Clearspeed to improve its ability to identify fraud further up the funnel, thereby enabling earlier risk assessment and subsequent decision-making. The team also leveraged the platform to settle claims more quickly for the vast majority of genuine customers, delivering an improved customer experience.

For customer responses that were found to have indicators of risk, the results were flagged for focused follow-up to Allied Universal and Allianz, pinpointing areas of risk with greater detail than previously available. Allianz UK received faster, more accurate data to drive more confident decisions, prioritize resources, and boost efficiency, all while supporting a better customer experience. Allianz UK has also seen a trickle-on deterrent effect in claims submissions thanks to the inclusion of the Clearspeed questionnaire. The success of the initial use cases has given the organization the confidence to extend Clearspeed into other perils and lines, like motor.

### “Clearspeed has helped us find a level of opportunistic fraud that is traditionally very difficult to identify. What we got over and above that was the significant uplift in how quickly we could settle genuine customers. This has had a broader impact on our business in terms of convincing and demonstrating to the wider stakeholders that fraud solutions don’t need to be disruptive to the journey - they can actually help your genuine customers as well.”

**Ben Fletcher**

Director of Financial Crime, Allianz UK Personal Lines

## Clearspeed Growth Announcement

# Clearspeed Announces Momentum Led By 200% Client Growth and Global Management Expansion

## Matt McHenry

\|

## April 25, 2023

BACK

_The Voice Analytics Technology Company is Building ‘Trust Faster’ with a Record Past Year of Doubling Client Base, Launching New Solutions and a New Brand Identity, and the Appointment of Three New Executives to Fuel Insurance and Security Sectors_

**San Diego, CA - April 25, 2023** \- Clearspeed, the leading provider of voice analytics technology for risk assessment in the insurance, government, and security sectors, today announced a series of milestones that demonstrated a 200% client growth increase and key market leadership hires in 2023. Clearspeed also unveiled a new brand identity and marketing strategy with a new corporate vision to help companies ‘Trust Faster’ and build a better world through trust enablement.

“Clearspeed's commitment to helping clients build trust faster is not just reflected in a new brand identity, but in the ongoing investment in product development and innovative voice analytics technology,” said Alex Martin, CEO of Clearspeed. “Backed by our recent Series C funding, we are investing in enhancing our product features and functionality, such as with Clearspeed Surge, a product that can quickly scale automated claims triage for catastrophic events. We believe that our focus on innovation and customer satisfaction sets us apart in the market, and we are excited to continue pushing the boundaries and deliver in critical moments that matter.”

Clearspeed’s voice analytics technology analyzes speech to identify risk-associated vocal characteristics in any language and without any additional data. The company’s solutions are used by leading global corporations and government organizations in various sectors such as insurance, security, sports integrity, and social impact. Clearspeed helps its clients expedite low-risk transactions or individuals through their processes, while flagging high-risk cases that require further review or investigation, with an accuracy rate >97% as validated in a formal US Department of Defense study.

“We are proud to offer an exciting product roadmap that will solve the biggest challenges faced by organizations across industries,” said Martin. “Our innovative risk assessment helps clients and partners across 20 countries in 38 languages to improve their risk confidence, reduce their costs, and deliver a better customer experience.”

## **Customer Growth & Product Roadmap**

Clearspeed has seen tremendous client adoption over the past year. One of the fastest-growing segments for the company is the insurance sector, where it has tripled its client base within the last year. The segment now serves half of its client base. Clearspeed’s voice assessment questionnaires, a proprietary capability that delivers objective and unbiased risk alerts based on vocal characteristics, saw a 400 percent increase in usage last year. The uptake in usage reflects the growing demand for Clearspeed’s technology among insurance companies that need to reduce fraud, streamline claims processing, and improve customer satisfaction.

As part of its vision to help build a better world through trust enablement, Clearspeed is rapidly scaling to serve additional use cases across the insurance, government, and defense markets it serves, partnering closely with clients on new ways to deliver value across the ecosystem. This includes an exciting product roadmap around the use of conversational AI that will further enhance its risk assessment capabilities. The new capabilities will allow organizations to have more natural and engaging interactions with their customers, while still providing precise and reliable risk alerts.

Client Quotes:

- **Mark Breading**, Partner, Strategy Meets Action, a ResourcePro Company: "In the insurance industry, trust is essential. Clearspeed's approach to risk assessment and clearance through their innovative voice-based technology is delivering high value to the industry. Their proven neutrality, impartiality, and unbiased methodology are a catalyst for industry transformation, helping to ensure equity and fairness in the claims process. Clearspeed's success in tripling their client base in the insurance segment is a clear indication that they are delivering real value to their customers."
- **Martin Dubbey**, Managing Director, Harod Associates: “We have been impressed with the value Clearspeed brings to our security investigations at Harod. The ability to assess risk quickly and accurately is crucial, and Clearspeed's questionnaires provide an excellent means of doing so. Their innovative approach to risk assessment has been particularly useful in our global sports integrity work, where efficient clearing while also alerting to high-risk individuals is essential to maintaining the integrity of the sport. Clearspeed is a critical and innovative part of our toolkit to make informed decisions.”

## **Expansion of Global Management Team**

To support its rapid growth and customer success, Clearspeed has also strengthened its leadership team with key executive hires. **Scott Moore** joined the company as Chief Revenue Officer, bringing more than two decades of experience in sales and marketing for enterprise software companies. Moore will lead Clearspeed’s global sales and revenue operations, strategy, and execution. Moore joins from CAPE Analytics where he was the leader for CAPE’s Sales, Client Development, and Sales Operations functions for CAPE’s insurance vertical. Scott has previously held Client Development and Client Success leadership roles for FacilitySource/CBRE, and has deep experience in the insurance space, playing a key role for ChoicePoint/LexisNexis, as well as holding other customer-facing roles for market-leading insurers.

Clearspeed is also announcing the following industry veterans to its leadership to execute its go-to-market strategy and to support customer experience and growth in key markets and verticals:

- **Steve Wisotzki as General Manager, Government, Defense & Security,** is a former U.S. Navy Captain and Clearspeed advisor who previously led the Global Security Team for JPMorgan Chase. In his role, Steve will oversee Clearspeed’s growth into the government, defense, and security space with an additional focus on sports integrity – a key sector integral to the company’s strategic vision. In addition to this new leadership role, Steve will continue in his capacity as a trusted Clearspeed board advisor.
- **Manjit Rana as General Manager, UK, EMEA, and APAC**, is a seasoned insurtech leader and considered one of the foremost experts on innovation in the insurance sector. Manjit will focus on expanding Clearspeed’s presence and partnerships in the UK, EMEA, and APAC.

“We are thrilled to announce these exciting milestones that showcase our momentum and leadership in the risk management market,” said Martin. “We have a clear vision to help organizations build trust faster by providing the risk insight they need to clear people faster and make better decisions at scale.”

Scott Moore added: “I am honored to join Clearspeed at this pivotal time in its growth journey. Clearspeed has a unique and powerful technology that solves a massive problem for organizations that need to screen large volumes of people at scale, in any language, without bias. I look forward to working with our talented team and partners to drive revenue growth and customer satisfaction for Clearspeed.”

## **About**

Clearspeed is the market leader for assessing risk in speech. Global organizations trust our highly precise, accurate, and unbiased voice analytics to fast-track low risk while also alerting to possible fraud. Our clients and partners rely on the unique data we provide to improve their risk confidence, reduce their costs, and deliver an improved customer experience.

## **Contacts**

Sarah Terrelonge

Chief Marketing Officer

Clearspeed

+1 416.451.5183

sarah.terrelonge@clearspeed.com

## Clearspeed Resource Hub

# Resource hub

Discover how Clearspeed helps organizations around the world deliver trust, faster.

June 3, 2026

### Military.com: Marine Officer Built AI Trust Tool After Deadly Insider Attack in Afghanistan

A deadly insider attack in Afghanistan inspired Alex Martin to create Clearspeed after witnessing firsthand the challenges of vetting partner forces in combat environments.

By: Shoba Lemoine

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UK insurers face growing pressure under Consumer Duty to adopt technologies that are transparent, fair, and customer-centric. Voice-based risk assessment helps insurers detect potential misrepresentation while accelerating resolution for genuine customers.

by: Paula Milton

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## “I think that trust definitely gets eroded when customers do everything right, but they’re still penalized. I think about the fact that the customer did everything right, but the system failed. And we need to stop asking customers to adapt to the limitations in our systems and start building systems that adapt to our customers”

Mindy ChenVice President of Artificial Intelligence at Mutual of Omaha

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## FAQ

How does Clearspeed work?

Respondents answer a short set of yes-or-no questions. Clearspeed applies signal processing to those vocal responses to extract risk indicators at the moment a decision needs to be made. Results are delivered instantly: low-risk respondents are fast-tracked; elevated risk triggers focused human review.

What are common use cases of Clearspeed technology?

Clearspeed serves a wide range of industries and scenarios. In insurance and banking, it can be used to assess application integrity and the risk of fraud in claims, where low-risk transactions can be fast-tracked while high-risk are flagged for further investigation. In government, Clearspeed can be used to maintain benefits program integrity, or manage insider risk concerns across agencies and departments., while in defense, Clearspeed has been used to screen and vet individuals working in close proximity to US troops.

How does Clearspeed use AI?

Clearspeed leverages a custom AI solution to enhance and scale the application of our high-precision model, delivering consistent, validated risk assessments for customers at any scale. We took the visual and audio intelligence from our human experts and encoded this in artificial intelligence to effectively and accurately deliver results at scale. AI is not used to form any decision on scoring. Read more about Clearspeed’s approach to AI from our CEO Alex Martin.

At what points in a process can Clearspeed be deployed?

Clearspeed can be deployed at any point in a process from pre-screen to validation, making it a flexible layer within any existing workflow.

## Insurtech Partnership Essentials

# Insurance Edge: 5 Essentials for Insurtechs to Become Enterprise-Ready

## Staff Writer

\|

## December 12, 2025

BACK

**_This piece is by Manjit Rana, EVP of insurance, Clearspeed_**

The collaboration between insurers and insurtech companies might seem straightforward, but it’s far more nuanced than insurtechs expect.

Insurtechs are often surprisingly unprepared once they gain interest from an insurer – especially when you consider the intricate and vast amount of work that needs to be completed before the relationship can bring real value for both sides.

The collaborative process between an insurer and an insurtech can be challenging. Therefore, it’s vital that every insurtech knows what it truly takes to be ‘enterprise ready’.

Here are five steps that can help:

## **1\. Insurers buy “outcomes” not technology**

Know what problem you are solving and for whom in the insurance company. I regularly use the analogy of pain to determine who you should be selling to i.e. identify who is suffering the greatest pain from the challenge or problem that your solution is able to address. If the person you are targeting within the insurer really isn’t hurting daily from the issue, you are not going to be a priority for them, and they certainly won’t find the budget required to implement your solution. Also make sure that by solving one person or department’s issue you are not creating a problem somewhere else in the insurers value chain; this is where your blockers will kick in.

## **2\. Focus, focus, focus**

I often hear insurtechs claiming they can solve numerous challenges, to me that’s a little like an athlete claiming because they can run they can successfully compete in every running event, pitch a solution to a single challenge rather than have multiple discussions in parallel with the insurer whilst they try and work out where best to apply your solution. This is important even if you have a generic solution such as an ‘AI based automation platform.’ If you are not sure where your solution is likely to add most value, go do the research before you decide where and to whom you pitch your solution.

## **3\. Know that sales cycles in the industry are long!**

They are often 12 to 18 months to get a production deal. This can be extremely trying and expensive for insurtechs. A good way to start exploring a potential partnership is to conduct a ‘pilot’ but there are important things to bear in mind when running pilots:

– Understand the difference between a PoC (proof of concept) where the pilot is designed to prove that your solution / the technology conceptually does what you are claiming it does, and a PoV (proof of value) where the technology is already proven in other industries or use cases and you are using the pilot to prove the benefits you are claiming can be realised by the insurer. The process for running the two types of pilots are quite different.

– Before you start the pilot, clearly define the metrics and the desired outcomes–including length of the pilot, how you will measure and share the results, who will be involved from both parties, what success will look like, and what the next action will be once you’ve achieved or exceeded the success metrics. Not getting clarity on these factors up front can be incredibly frustrating for insurtechs. Using my athlete analogy, the pilot can often start off as a 100m race and end up as an 8,000m marathon. Every few metres, the insurtech is burning cash, so make sure you have enough in the bank to complete the pilot.

– Getting through the due diligence process before you start a pilot can often take weeks and months whilst the insurers various teams go through regulatory, security and data compliance checks. You WILL get asked about ISO 27001 / SOC2 readiness (or equivalent security posture), data encryption, pen test results, GDPR/CCPA compliance, data retention and deletion processes… and very likely how your solution adheres to the European AI act or the insurers own AI committee requirements. Best to be prepared in advance.

## **4\. Don’t be afraid to say no**

Being enterprise-ready means designing your product and delivery model to outperform expectations and match the scale of transactions that the insurer needs to process. If you’re not able to do that, then you’ll likely see an initial “yes” turn into a “no” six months to a year down the line, which can prove to be both costly and a huge waste of time for both parties.

If you are not sure whether you can scale your solution to that level at this time, start with smaller insurers or MGA’s, where their expectations are likely to be easier to meet.

The biggest wins do not come from onboarding new clients. It’s when long-term customers openly tell you that you’ve overdelivered for them.

That kind of feedback is earned gradually, through smaller wins that propel the partnership towards bigger milestones. Focus on delivering value, step by step, and the larger successes will follow.

## **5\. Understand the market you are selling to**

Finally, I would say ensure that you clearly understand the basics of insurance and feel comfortable describing how your solution benefits the insurers’ key performance metrics such as:

- Loss ratios
- Combined ratios
- Leakage reduction
- Underwriting profit
- Claims cycle time

This is often where an experienced coach or board advisors can be invaluable in helping to navigate the journey. They can also be very useful in helping to guide you on what your initial use case should be.

## **Bonus point: make the market look your way.**

Rarely do insurers want to ‘take the plunge.’ It doesn’t matter how much they might love your solution on paper. Most want to see proof that it worked in practice for their competitors, rather than taking the initial risk themselves.

You always need someone to trust you first, and that’s quite challenging. So, network, build visibility, get people talking. That doesn’t come naturally. It requires a strategy, one that’s specifically designed to get senior industry leaders curious about your company, what you’re doing, and who you’re talking to.

Ultimately, it’s important to remember that most insurers genuinely want to partner with insurtechs as it usually helps them innovate their processes and products more quickly than they can do themselves. But they are very large, highly complex organisations, so engaging with them is never going to be quick or easy.

The path to partnership can be measured and deliberate, and that’s a good thing. With patience and persistence, the long-term value that emerges – financial, operational, and strategic – far outweighs the time spent getting there.

Read the original here

## Allianz-Clearspeed Partnership

# Allianz prevents 29% more fraud and announces partnership with Clearspeed

## Sarah Terrelonge

\|

## April 23, 2024

BACK

Allianz’s personal lines business has reported a 29%1 increase in fraud prevention in 2023 compared to the previous year. This spans across all types of insurance fraud from motor claims, home claims and application fraud, and the notable rise of ghost brokers and their tactics to lure innocent victims into a fake insurance policy.

Unfortunately, a landscape of rapidly evolving fraud tactics is evident, with fraudsters regularly adapting their methods to pursue new scams, including a rise in moped crash for cash fraud and an increase in shallow fakes. Cases where apps were used to distort real-life images, videos and documents increased by 300%2 from 2022 and into 2023, and has all the signs of becoming the latest big scam to hit the insurance industry.

In one case, an individual had a picture of his van posted on his social media page as part of his business, and had a claim pursued in his name for an accident that never took place. LV= received images of his vehicle from the fraudsters, showing the front bumper had been cracked in the alleged accident, along with a false repair invoice totalling over £1000. Noticing concerns with the claim, LV=’s fraud team investigated the case, identifying the image was identical to the one found on social media but with the addition of photo editing.

However, it’s not just photo editing that poses a problem for the insurance industry, but also other emerging technologies, including AI and the rise of deep fakes. The rapidly changing nature of these fraudulent activities pose big risks to UK consumers, and in recognition of fraudsters evolving their tactics Allianz’s personal lines business is developing how they build upon existing controls.

As part of its fraud investment, the insurer is announcing a new partnership with voice analytics tool Clearspeed, to detect more fraud and help accelerate the processing of genuine customer claims. Clearspeed provides a unique technology that not only helps identify potential fraudsters that were previously undetected, but also provides insight to help make better decisions and prioritise resources to boost efficiency and support a better customer experience.

**Ben Fletcher, Director of Financial Crime at Allianz’s personal lines business comments:** “Here at Allianz we remain committed to combatting fraud and safeguarding the interests of our honest and loyal customers. Our increased fraud detection rate in 2023 reflects how seriously we take this issue and our partnership with Clearspeed is the next step in our ambitious plans to enhance our fraud prevention measures. I look forward to a collaborative and effective partnership to further prevent insurance fraud and crime”.

**Alex Martin, CEO of Clearspeed adds**: “Allianz is a world class organisation and we’re thrilled to announce our partnership with them as we expand our footprint in the UK insurance market. In an increasingly complex risk environment, with accelerating customer experience expectations, there’s never been a better time to reimagine the claims process.”

“At our core, we believe the key to better identifying risk and preventing fraud is by enabling trust. This paradigm shift is critical to transforming the insurance industry to meet the challenges of today’s world. We can uniquely address that need without trading off between customer satisfaction and risk detection, leaning into greater precision and actionable insights.”

**Notes to Editors:**

**Media contact:**

Natasha Gibbs, External Communications Manager at Allianz & LV= General Insurance, natasha.gibbs@allianz.co.uk

1 Year on year comparison of how much money has been saved by Allianz personal lines business on combatting insurance fraud.

2 Allianz data on contrived motor insurance accidents from 2021 – 2022 including LV= General Insurance data.

## **About Clearspeed**

Clearspeed is the market leader for assessing risk in speech. Global organizations trust our highly precise, accurate, and unbiased voice analytics to fast-track low risk while also alerting to possible fraud. Our clients and partners rely on the unique data we provide to improve their risk confidence, reduce their costs, and deliver an improved customer experience.

## **About Allianz Holdings plc**

Allianz Holdings plc is the non-regulated holding company which owns the principal insurance operations of Allianz SE in Great Britain including Allianz Insurance.

## **About Allianz car insurance**

Allianz car insurance has been re-branded from Flow insurance and offers a digital self-service annual motor product. It’s designed to be straightforward, providing customers with control at the touch of a button. Launched in 2021, Flow car insurance is Defaqto 5 Star rated and voted excellent on Trustpilot. Flow was awarded ‘Best motor insurance provider’ at the 2023 Insurance Choice awards as voted by customers.

For more information visit: https://www.allianz.co.uk/

## **About Allianz**

The Allianz Group is one of the world's leading insurers and asset managers with around 125 million\* private and corporate customers in nearly 70 countries. Allianz customers benefit from a broad range of personal and corporate insurance services, ranging from property, life and health insurance to assistance services to credit insurance and global business insurance. Allianz is one of the world’s largest investors, managing around 737 billion euros\*\* on behalf of its insurance customers. Furthermore, our asset managers PIMCO and Allianz Global Investors manage about 1.7 trillion euros\*\* of third-party assets. Thanks to our systematic integration of ecological and social criteria in our business processes and investment decisions, we are among the leaders in the insurance industry in the Dow Jones Sustainability Index. In 2023, over 157,000 employees achieved total business volume of 161.7 billion euros and an operating profit of 14.7 billion euros for the group.

\\* Including non-consolidated entities with Allianz customers.

\*\*As of December 31, 2023.

**Mandatory corporate** **information:** Corporate disclosures

These assessments are, as always, subject to the disclaimer provided below.

## **Cautionary note regarding forward-looking statements**

This document includes forward-looking statements, such as prospects or expectations, that are based on management's current views and assumptions and subject to known and unknown risks and uncertainties. Actual results, performance figures, or events may differ significantly from those expressed or implied in such forward-looking statements.

Deviations may arise due to changes in factors including, but not limited to, the following: (i) the general economic and competitive situation in the Allianz’s core business and core markets, (ii) the performance of financial markets (in particular market volatility, liquidity, and credit events), (iii) adverse publicity, regulatory actions or litigation with respect to the Allianz Group, other well-known companies and the financial services industry generally, (iv) the frequency and severity of insured loss events, including those resulting from natural catastrophes, and the development of loss expenses, (v) mortality and morbidity levels and trends, (vi) persistency levels, (vii) the extent of credit defaults, (viii) interest rate levels, (ix) currency exchange rates, most notably the EUR/USD exchange rate, (x) changes in laws and regulations, including tax regulations, (xi) the impact of acquisitions including related integration issues and reorganization measures, and (xii) the general competitive conditions that, in each individual case, apply at a local, regional, national, and/or global level. Many of these changes can be exacerbated by terrorist activities.

## **No duty to update**

Allianz assumes no obligation to update any information or forward-looking statement contained herein, save for any information we are required to disclose by law.

## **Privacy Note**

Allianz SE is committed to protecting your personal data.

Find out more in our privacy statement.

## 13 Questions with Alex Martin

# 13 Questions for Clearspeed’s Alex Martin

## Matt McHenry

\|

## February 17, 2023

BACK

“We’re not a predictive model per se. For the insurance industry, we use voice analytics via automated questionnaires to help people through the claims process.”

By: Dan Reynolds , Risk & Insurance \| February 17, 2023

Read on: Risk & Insurance

_Risk & Insurance®_ had the opportunity to catch up with Alex Martin, the CEO and cofounder of Clearspeed, an A.I.-enabled voice analytics company that assesses the risk of fraud through speech.

What follows is a transcript of that discussion, edited for length and clarity.

## **Risk & Insurance: What business opportunities are you excited about in 2023?**

**Alex Martin:** We’re excited about a few things. In particular, on our consumer side, leveraging our technology to serve the insurance space.

We have existing applications of our voice technology in the security and protection space, and pre-employment screening, among other use cases. While there’s myriad applications for voice analytics technology, our laser-focus this year is the insurance market and empowering our clients seeking to improve customer experience, scale with confidence and reduce fraud.

## **R&I: What are your key goals for the technology?**

**AM:** This is focused around transforming the claims process itself in the insurance claims ecosystem. This is around taking a claimant from a very brief automated questionnaire to payment at lightning speed, while also alerting to risk of fraud that is being missed.

Opportunistic fraud is on the rise, so there’s a lot of great tech that’s going after the criminals, and those models are getting smarter and stronger. But this is around how to not harm the customer experience for the good claimant, while at the same time alerting to fraud that’s harming everyone in that ecosystem.

## **R&I: Are we thinking mostly workers’ comp fraud?**

**AM:** Ultimately, absolutely — it’s one of many use cases. We’ve begun workers’ comp use cases in our Latin American markets, but more broadly we’re focused on personal P&C lines.

## **R&I: It sounds like predicting and preventing fraud on a number of lines is right in your wheelhouse.**

**AM:** We’re not a predictive model per se. For the insurance industry, we use voice analytics via automated questionnaires to help people through the claims process. The goal is to clear the majority of claims quickly while identifying those that require additional investigating and might be of a higher risk of fraud.

Our background is in security, and insurance and security share the same challenges, where there is a need for balance between speed and security. In the consumer market, we aim to improve this balance by using a scoring model that both fast-tracks claims and improves risk identification.

This is a paradigm shift from traditional methods in both the security and insurance industries.

## **R&I: Your team was mentioning the hiring process and what kind of expertise you’re looking to bring on. Where are you with that?**

**AM:** Our people are one of the most important assets to our company. We focus on hiring individuals with experience in disrupting traditional industries and processes, and who have an innovator mindset. You’ve got to be willing to embrace and adopt change. We understand that change can be difficult for some, so we strive to provide solutions that are additive and complementary, rather than disruptive.

We seek individuals who have a track record of success in implementing unconventional technologies in conventional industries and who are able to explain and address any fear or uncertainty with data and proof points. This is essential for successfully navigating the digital transformation journey in industries such as insurance.

## **R&I: You hear a lot of talk about disruption, and I think the longer we watch companies come into insurance and try to improve the process, it’s just becoming much more about cooperation. Is it not really collaboration versus disruption that’s the goal here?**

**AM:** A hundred percent. If you think you’re going to go into the Department of Defense and change how they do business, you’re just not. It’s not going to happen.

We got demonstrable, repeatable results with the tech. Then, that seeped into other elements of the enterprise, and now it’s scaling with a discussion around, again, this evolutionary approach to change. We talk about augmenting very robust systems and processes with sophisticated sensors and sophisticated human practitioners behind them.

You have incredibly smart people. They’re very expensive for a reason. They need to be augmented with better data.

You’ve got incredible technologies that are doing amazing work to clear people quickly and find fraud. The problem is there are gaps, and these gaps are technological and ideological. In real terms, these gaps cost people a lot of money.

The threat risk is very high, so something has to be done about it, but we don’t talk about this revolutionary change. It has to be in concert with humans that see this as a way for them to do their job better and faster, and customers that see this as really providing a step change of improvement, not incremental change that isn’t really worth the investment.

## **R&I: When you think about customer service and historic ways of doing business and where things sit right now, where do you see things going? What does success look like?**

**AM:** Success from a claims process has to be the ability for a very light but thoughtful, warm touch where you are absolutely at the forefront of that journey. “Hey, get me paid. I pay every month into this protection, and I really just want to get on with my life.”

So, success has to be where someone engages with a piece of software that gets them better results than having to deal with other processes or other humans first. And that’s what we’re trying to do.

It’s all around the introduction of something that accelerates that person, where they’re delighted at the end of it. “Wow, I just got paid and thank you so much, and I’m going to renew my policy with you, and customers are satisfied, and I can just get on with my daily life.”

So, that’s central to the journey.

Now, we have two customers that we think through. There’s one customer that we must please. The other is the carrier or the TPA who has the hard job of processing these and, again, managing that tension between security and speed, or fraud risk and speed. And so, to them, we have to be able to have them sit down, look at their workload on that day, and say, “I’m able to do better and focus our resources more precisely.”

If we can’t do those two things, then we fail. So, we have two customers we’re hoping and aiming to have a successful result with.

## **R&I: What we know about the TPAs these days is it’s a pretty rough landscape in terms of their ability to retain talent and pick up the right talent. When you think about claims processing and management, do you see that as a pretty big opportunity for you?**

**AM:** Absolutely, I think of it this way. You’ve got everyone going after that top 10%, and those people are going to do fine, and they are just natural with technology. Now, there’s more and more of these people who are retiring or leaving to do other things, and so you’re going after a population that is less experienced.

There’s risk in that, and that is mitigated by training, enablement and empowerment. Technology done right can do that.

If you have a training script or a program they’re bought into, and you incentivize people to get through a process with care and speed and attention, a great piece of data allows them to do that. It becomes sticky. They become addicted to it because it helps train them. The curve for them to grow becomes a lot faster in terms of being a claims agent.

So, that’s something we think about a lot. If we are also seen as a way to accelerate and improve training and enablement that allows people to get up and into the curve faster and make better claims decisions faster, then that’s a win for the TPA, that’s a win for the customer and, of course, it’s a win for us.

## **R&I: We talked about this not being disruption, it’s collaboration, and this is a very entrenched, long-standing industry. You mentioned, in getting traction for your company and your startup, that you saw some pretty good results in terms of speed of claims resolution, but also just screening out fraud. Is that correct?**

**AM:** What we’ve seen is, when we are placed at the top of the funnel, as a first touch, we add value because we’re providing a data endpoint that no one else has. While other models are searching and scraping and providing insights that are very helpful, there’s often a lot of false positives there.

At the very first touch, without us, you’re already having a lot of false alerts and you’re immediately disrupting a journey. Then, that goes to a human agent where, given training, enablement and experience, not all agents are created equal.

We have this further layer of complication, and then, ultimately, it comes down to a decision to pay or not or what gets investigated, a further element of cost and expense and friction for a customer.

The early touch points of value we’ve seen are, firstly, the speed at which you can discern — with a unique data point — who needs to be paid faster, and who should go to a second-order system. That second-order alert is in concert with other data points that are complementary in nature, where we have proven that we decrease those false positives because they say, actually, “Let’s just discount one, two, three, but points four and five are still very real on these claims.” And, then we’re seeing the touch of follow-up. The ability, this is really important, of the human interaction, to address what we’re talking about as the rise of opportunistic fraud.

So, the data models I just described are getting better and better and better at looking at the same things, which are routine opportunistic fraudsters, where some people may make a poor decision.

If you can use a data point to then have a human follow-up — again, that’s very gentle, it’s non accusatory — it allows the person to have an opt-out. We’re seeing our dropouts are incredible, and that’s a good person making a wrong decision, being asked a question because of our data in a non-accusatory way, and then just saying, “You know what? Actually, I’m going to drop this claim.”

That saves a ton of money for the carriers. It also allows that person to walk away without having made that decision to say, “I’m going to commit fraud finally,” and everyone is winning there because you’re that last referee point before that bad decision is made.

That’s all to say that this unique data point at the top goes all the way through the process to even pre- and during SIU. We’ve demonstrated that in this ecosystem and integrated into platforms tethered to a human. We’re not a silver bullet or magic wand; but done right, we’ve unlocked significant use cases and value.

## **R&I: I think that’s a fascinating piece, if a human being is actually talking to you and just saying, “Hey, what’s going on here?”**

**AM:** It really goes back to the central element being trust. If I’m not having that discussion with you, I’ve already been paid. So, trust increases. That’s the currency. That’s the coin of the realm.

I now have greater trust in my carrier to process me. If I have committed fraud or maybe overstated the claim and I have that human experience, nine times out of 10, that person is going to say, “You know what? I’m not going to make it,” because they’re not criminals. They’re just in a bad position. That I have sympathy for and empathy for, and so do the carriers, but you’re just not allowed to commit fraud.

## **R&I: We get emails every day about new technologies and Insurtechs trying to get a foot in the door. Where do you see the more “cutting-edge” technologies really gaining traction and really having a hope in this ecosystem?**

**AM:** What I’m seeing is related to the industries that were not built for insurance but have a proxy with the pain of the users — both the customer and the carriers. Think about information and cyber and technologies in that realm where they were built for.

Some of the product features need to be changed, and once you do, you really speak to that customer, or anything related. Anything in that information cybersecurity realm is fascinating.

Cutting-edge industries like biotech are the industries that have an imperative to innovate and change and get ahead of the curve — that’s a great proxy. Intelligent technology augments humans experience; think about anything that’s going to be adopted from the claims management standpoint, the innovation that’s helping massive leaps in payroll, or how big tech companies are thinking about building internal engines. Insurance is a great market for them, and really anything that improves operational efficiency but is not being done in insurance today.

Insurance will continue to evolve, and they’ve done an incredible job of staying on and ahead of this problem as best they can, managing this behemoth, and people’s lives and the dollars at stake.

## **R&I: You mentioned a military background. Can you tell us more about that?**

**AM:** I graduated from the Naval Academy. I became a Marine a couple years after 9/11, was in the infantry in the Marine Corps, and then in reconnaissance. and then our Special Operations Unit. That was very important to me in terms of how I think, what I felt as a calling to be an entrepreneur.

When I left active duty, it was all around “what can I do to continue to serve?” and “what did I see that could have been done better?” That had to be the introduction of technology into the hardest problems that we solved.

I lost a really good friend to a green on blue attack, an insider threat attack, so I thought about that a lot. How do we make sure people’s husbands and wives aren’t taken from them in areas where risk is very, very hard to manage?

That’s the genesis of this company: meeting the people that have now formed the founding team, meeting technologists working on this novel way to clear people, and since 2016 came together at a program at Stanford University and have been working to build and scale what Clearspeed is today.

## **R&I: Was there anything additional about your aspirations or your company or this industry that you wanted to express?**

**AM:** It’s that we be seen as a partner in change; that this is about evolution, not revolution; that it takes a team on the same side of the table to work through a problem.

Our best, earliest customers were amazing because they were on the same side of the table as us, and they said, “Hey, these three things were phenomenal. Could you change four and five?” So we tuned them. We worked together. And, then we got them exactly what they needed.

That spirit of collaboration and creativity creates a winning culture because we’re all trying to go after the same thing.

If Clearspeed is known in the market as a new, important element that augments human people, human decision-makers, human operators, then we’ll have done our job, because, I believe, that’s the winning culture of how risk management needs to change. It’s philosophical, and it’s actually, in terms of the practice of buying down risk, it has to be from that perspective of teamwork.

## ROI Impact Overview

ROI and impact

# The economics of enabling trust at scale

Facts can be manufactured. Patterns can be gamed. The challenge is knowing what to trust at the moment a decision has to be made. That's where the cost equation shifts.

Without a real-time insight into risk, too many cases get treated like they need the same level of scrutiny, slowing decisions and driving up cost. Clearspeed changes that. Effort goes to the decisions that need it, the genuine majority moves faster, and the cost of getting trust decisions right starts to fall.

30X

ROI in year one

Avg. across all clients

50%

Reduction in average claims handling time

Avg. across all clients

95%

Reduction in vetting cycle time from 90 to 5 min.

SOCOM

## Net result? Faster decisions, lower cost, and a smoother experience.

People

**Fast track the genuine majority**

The cost of friction on genuine people doesn't show up in fraud reports. It shows up in churn. In renewals not signed, claims not closed, applicants not cleared, citizens not served. Getting the genuine majority through faster changes what the process costs and what people think of the institution behind it.

- Faster decisions for low-risk applicants, claimants, and participants
- Less friction for participants throughout the process
- Stronger retention and trust tied to a better experience
- Consistent experience regardless of channel or geography

See Client Story

Process

**Fewer cases go further than they need to**

Skilled people spend time on cases that lead nowhere. That time has a cost. Better triage changes what enters the review pipeline, focuses skilled attention on situations worth their time, and stops low-value work from stacking up.

- Faster triage at intake and first contact
- Fewer cases routed into deeper review without cause
- More focused reviews on cases that warrant closer attention
- Reduced administrative burden across the workflow

See Client Story

Value

**Lower the cost of getting it right**

Every case that goes further than it needs to has a price, and at scale that compounds quickly. When the workload matches the actual risk, the savings do too. As does the headroom to extend the program where it matters most.

- Reduced overpayments and exposure tied to fraud and misrepresentation
- Lower operational and investigation spend
- More effort directed where program integrity is on the line
- Less dependency on third-party data sources
- Less churn caused by process friction

See Client Story

"Clearspeed is actually helping us to define how we deal with claims in certain areas. When we first looked at it, we saw it as a fraud detection tool, but we see it as a validation tool now. We can validate and pay claims quicker because of Clearspeed."

Scott Clayton

Head of Claims Fraud,

Zurich UK

“Clearspeed helps us get the right claims into the right hands quickly, knowing that we’re delivering a better customer experience overall while also optimizing the impact of our investigative teams by helping them focus where fraud is most likely.”

Tom Wilson

Head of Counterfraud,

Abacai

“Clearspeed has helped us find a level of opportunistic fraud that is traditionally very difficult to identify. What we got over and above that was the significant uplift in how quickly we could settle genuine customers. This has had a broader impact on our business in terms of convincing and demonstrating to the wider stakeholders that fraud solutions don’t need to be disruptive to the journey – they can actually help your genuine customers as well.”

Ben Fletcher

Director of Financial Crime,

Allianz UK personal lines

## Fraud Detection Innovations

# Insurance POST: Chief claims officer lifts the lid on how Allianz caught £93m of fraud

## Shoba Lemoine

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## January 28, 2026

BACK

## Key Findings

- Allianz reported identifying more than £93 million in insurance fraud, highlighting the scale of opportunistic and organized fraud across claims
- Allianz chief claims officer Matt Cox described fraud as evolving from small claim inflation to more sophisticated, coordinated activity
- The insurer implemented voice analytics technology from Clearspeed to create a “hostile environment” for fraud while maintaining customer experience
- Clearspeed is embedded directly into the claims process, asking customers yes/no questions and generating a real-time risk signal to guide whether claims should be paid or investigated
- Compared to legacy fraud checks, the approach reduces friction by engaging customers in real time rather than placing them on hold for manual review
- Allianz reported more than 15,800 fraudulent cases identified across personal, commercial, and specialty lines, totaling £92.6 million in the first half of 2025

## Why It Matters

- Insurance fraud is shifting toward more sophisticated and scalable activity, requiring new detection approaches beyond traditional rules-based checks
- Embedding risk assessment directly into the claims journey enables earlier identification of fraud at first notice of loss
- Real-time voice-based risk scoring allows insurers to route claims more efficiently, improving both fraud detection and claims handling speed
- Reducing friction in the claims process improves customer experience while still strengthening fraud controls
- Proven deployment by a major global insurer demonstrates how voice-based risk assessment can operate at scale across multiple lines of business

## **Chief claims officer lifts the lid on how Allianz caught £93m of fraud**

**By Harry Curtis**

Allianz chief claims officer Matt Cox has told attendees at the ITC London conference that the insurer was able to create a “hostile environment” for fraudsters without damaging customer experience through using voice analytics technology.

Speaking at the event in London yesterday (26 January), Cox — who assumed the chief claims officer position in February last year — said Allianz was continually seeing fraud techniques evolve.

> “There is always the opportunistic fraud where someone calls up and slightly inflates what they’re claiming for. We will continue to always see that, but it’s the more sophisticated element of it that we have seen growing,” he said.

Among the partners Allianz called upon to get a handle on fraud was voice analytics provider **Clearspeed**.

> “We needed to make our organisation a really hostile place for people to try to commit fraud, either at the organised end of the scale or at the opportunistic end of the scale,” Cox said.

## “What we needed was something seamless”

> **“What we needed was something seamless and embedded within the process. That’s what Clearspeed provided to us.”** _Matt Cox, Allianz chief claims officer_

Cox contrasted the use of the Clearspeed tool with how pre-existing fraud checks figured in customers’ claims experiences.

> “Past techniques that have been used have created friction within the claims journey,” he said.

> “Many of you, when you would have phoned up to make a claim, might well have been put on hold at various points during that conversation, while the call handler went away and did some checking.”

## Waiting around

Explaining how the Clearspeed tool fits into the claims process, Cox said:

> “Whether they’ve phoned up or it’s via email or it’s self-serve online, the customer will be directed to phone the Clearspeed tool.

> “It will ask them some questions of importance, and it will assess very quickly a risk around potential risk characteristics of the voice of being used.

> “That will either inform the handler that this particular case needs to be referred on to the more dedicated team, or it informs that this claim can just be paid.”

While it adds a step to the claims process, Cox said that from the customer’s perspective, using the tool actually reduced friction.

> “Rather than being put on hold, sitting there listening to the music, wondering what’s going on, the customer’s being asked questions. They’re engaged, so it doesn’t feel like they’re waiting.”

## Staff concerns

Cox also reflected on how Allianz needed to convince call handlers and other claims staff that the tool would work.

> “In the past, a lot of those decisions had come down to the individual claims handlers’ experience,” he said. “We were now saying to them, ‘you need to trust this tool — you don’t know how it works, but you need to trust it.’”

He explained how the insurer went about bringing staff up to speed on how it worked, as well as experimenting with it in controlled settings.

> “We allowed them to play with it. We allowed them to see it in action, to pilot it in a number of small areas and look at really data-led trials within particular teams to see how it was working.”

He added that Allianz needed to allay staff concerns that the tool would annoy customers, with post-deployment complaints figures putting those fears to rest.

> “Over the last year, we’ve had 0.1% of claims that have gone through this technology where our customers said, ‘I didn’t like that being done to me.’ That’s tiny,” he said.

> “Customers now expect this sort of thing. It’s just part of doing business now.”

## Impact

In September, Allianz reported it had identified more than **15,800 fraudulent cases** across personal, commercial and specialty lines, **worth a total of £92.6m** in the first half of 2025.

Cox said:

> “There was obviously the portion of that fraud that has been identified through the Clearspeed tool that we perhaps would have identified through other checks and balances much later down the line, sometimes when it was a bit too late to do anything about it or to manage the cost effectively.

> “But it was also identifying a large proportion of fraud that we wouldn’t have found through other techniques.”

He added that one consequence was a much greater volume of work going into fraud teams.

> “We needed to make sure they were resourced and skilled up to deal with that, so that didn’t become a bottleneck.

> “That was one of our learning points. I don’t think we’d quite appreciated what the impact on that team would be.”

Cox concluded:

> “One of the other things we’ve seen coming through from the data and using this technology is a number of people self-select out part way through the claims, because they recognise that we’ve made the environment difficult.”

See article at Insurance POST

## Parker Wise Joins Clearspeed

# Clearspeed Welcomes Government Security Executive Parker Wise to Advisory Team

## Sarah Terrelonge

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## February 9, 2024

BACK

**SAN DIEGO, February 9, 2024** \- Clearspeed, the leading provider of AI-powered risk assessment technology for enterprise organizations, announced the appointment of Parker Wise to its advisory board. Parker brings extensive experience in developing and leading national security programs across the globe through his executive roles with the United States Federal Government, where he served for more than 28 years. As Clearspeed rapidly scales in the insurance and financial services verticals, Parker's expertise will be instrumental in support of Clearspeed’s growing client base in the government, defense, intelligence, and security sectors. His work in the inter-agency arena and the relationships he forged in the U.S. government and with foreign partners will help inform and position Clearspeed’s further expansion in this space.

Risk assessment has historically been a time and resource intensive process, often reliant on incomplete or inaccurate data. In today’s world, with rapid advances in emerging technologies and increasing geopolitical uncertainty, identifying risk quickly, reliably, and at scale has become an imperative. As governments and organizations tackle the complex challenges of screening and vetting individuals, whether for recruiting, security clearance, asylum, etc., they are often forced to trade-off between speed and safety. Clearspeed addresses this trade-off head-on. The unique AI-powered platform enables the fair, fast, and secure movement of people and transactions by providing trusted risk insights. No trade-off required - speed becomes the enterprise's security.

“Clearspeed was developed to help organizations close the trust gap,” said Alex Martin, CEO of Clearspeed. “Every decision is informed by an assessment of risk - and you can only move as fast as the conditions for trust allow. We set out to quickly and accurately triage risk at scale, and today our platform enables clients around the world to make better, faster decisions and move their missions forward. We are not iterating on the candlestick to get to the light bulb - this is about risk management, reimagined.”

Throughout his career in intelligence and national security, Parker has relentlessly pursued the safety and security of the people and communities he served. This was underpinned by extensive risk identification, stratification, and mitigation efforts, designed to build the assurances needed to move operations forward. “In my experience, it is extremely rare to find a solution that can truly augment human experts from a risk calculus perspective,” said Parker. “Clearspeed will change the risk management landscape with their AI-powered platform and I’m excited to play a role in bringing this powerful capability to clients across industries.”

“We’re thrilled to welcome Parker to our Clearspeed team,” notes Alex. “His incredible background, sterling character, global perspective, and commitment to innovation to build a better world will be integral in helping our clients embrace our fast, accurate, and unbiased approach to risk assessment and drive unprecedented efficacy and ROI for their organizations.” Today, Clearspeed’s AI-powered platform is helping clients across six continents confidently assess risk and get to trust, faster.

## **About Clearspeed**

Clearspeed is the market leader for assessing risk in speech. Global organizations trust our highly precise, accurate, and unbiased voice analytics to fast-track low risk while also alerting to possible fraud. Our clients and partners rely on the unique data we provide to improve their risk confidence, reduce their costs, and deliver an improved customer experience.

## **Contacts**

Sarah Terrelonge

Chief Marketing Officer

Clearspeed

+1 416.451.5183

sarah.terrelonge@clearspeed.com

## Zego and Clearspeed Partnership

# Leading UK Insurtech Zego Extends Partnership with Clearspeed

## Shoba Lemoine

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## October 6, 2025

BACK

_Partnership delivers quicker, more confident claims decisions for customers, with average fraud savings of £550 per claim_

**LONDON and SAN DIEGO — Oct. 6, 2025 —** Leading insurtech company Zego has renewed its partnership with Clearspeed, the global leader in voice-based risk assessment. The renewal underscores how two of the most innovative names in insurtech are working together to advance Zego’s award-winning claims management, with expanded applications across the motor insurance landscape.

Founded in 2016, Zego has transformed motor insurance by giving drivers more control. With a strong foundation in commercial cover, Zego built its reputation on flexible, data-driven policies tailored to how people actually drive. Now, the business is seeing real momentum in the consumer market – with private car insurance helping to contribute to a 60% uplift in UK growth in June 2025 alone.

As more drivers choose Zego for its fair and technology-led cover, the company is doubling down on its core products to meet rising demand. By combining app-based telematics with behavioural insights, Zego delivers insurance that’s transparent, cost-effective, and rewards better driving – helping more people take control of their cover and unlock greater value every day.

## **Voice-based risk assessment to fast-track claims**

Zego’s partnership with Clearspeed builds on this data-led approach. Clearspeed’s proprietary voice-based risk assessment technology helps Zego triage motor claims at speed by fast-tracking low-risk cases and routing higher-risk ones to investigators. This reduces fraud exposure and ensures fairer, faster outcomes for customers.

> “We are delighted to continue our partnership with Clearspeed,” said Ian Kershaw, VP of customer service, claims and fraud at Zego. “We’re able to fast-track low-risk claims, streamline the time to payment for our customers, and focus our adjusters on those that need more attention. We’re driving internal efficiency and delivering a better customer experience, while still effectively mitigating fraud – allowing us to price competitively as well,” he added.

The Clearspeed solution is now embedded in Zego’s motor claims process. When customers report a claim, they are asked a short series of automated yes or no questions. Clearspeed’s technology then analyses vocal characteristics to assess risk levels, enabling Zego to prioritise claims accordingly. Low-risk cases are pushed through at speed, while higher-risk or potentially fraudulent ones are flagged for further review. This approach has significantly reduced manual checks and admin time, allowing Zego to better support its broad customer base.

## **Uncovering suspicious activity**

The results are compelling: a tenfold increase in claim abandonments suggesting suspicious activity, average fraud savings of £550 per claim, and the successful identification and disruption of organised fraud ring activity.

> “Zego has built its reputation on innovation and customer focus, and we are proud to support them in setting a new standard for insurance in the UK market. This renewal isn’t just about claims – it’s about being smarter together,” said Manjit Rana, EVP of insurance at Clearspeed. “By combining our technologies, we’re delivering operational efficiency, reducing fraud, and helping customers get back on the road faster. It’s proof that insurance innovation can raise the bar for insurers and the insured.”

Across the industry, Clearspeed’s voice analytics technology is generating measurable value. On average, clients have reported a 30X return on investment, a 40% rise in immediate settlements, a 50% reduction in claims handling time, a 36% increase in preventative fraud savings, and consistently high customer experience scores.

## **About Clearspeed**

Founded in 2016, Clearspeed is the global leader in voice-based risk assessment. Its proprietary voice analytics technology identifies potential risk in speech using vocal characteristics universal to all humans—enabling faster, more confident decisions in high-stakes environments. Initially developed for the U.S. Department of Defense, Clearspeed quickly exposes indicators of risk for government and military agencies. Commercially, it helps insurers, financial institutions, and other enterprises assess risks like fraud and insider threats, unlock operational savings, and elevate the customer experience. With broad applications, Clearspeed delivers bias-free, highly precise, individual risk assessment wherever achieving trust at scale is essential.

Headquartered in San Diego, Clearspeed is used in 37 countries and supports over 60 languages. The company has earned more than 25 industry awards, including CNBC’s World’s Top InsurTech Companies.

Learn more at www.clearspeed.com

## **About Zego**

Zego is a tech-first motor insurance provider on a mission to make good drivers better drivers. Since 2016, we’ve been redefining motor insurance with flexible, usage-based products that adapt to the realities of modern mobility. Powered by best-in-class technology and sophisticated app-based telematics data, we offer tailored, transparent, and cost-effective insurance solutions for today’s drivers. As the first UK insurtech to obtain an insurance licence, Zego has issued 10 of millions of policies and continues to lead the way in smarter, data-driven cover. Zego was named Best Insurance Employer at the British Insurance Awards 2025, won Claims Initiative of the Year at the National Insurance Awards 2025, and received the Corporate Contribution to Inclusion award at the Women in Insurance Awards 2025 for the Gibraltar market.

Learn more at Zego.com

## Abacai's Claims Transformation

Client stories

# UK motor insurer Abacai validates risk identification and fast-tracks genuine claims with Clearspeed

BACK

**Executive summary**

UK-based Abacai partnered with Clearspeed to strengthen its fraud identification and claims validation process across motor theft, fire, and single vehicle accident claims. Seeking to complement its existing fraud matrices with an additional layer of risk assessment, Abacai deployed Clearspeed's voice-based risk assessment technology to both flag high-risk claims and fast-track genuine customers. The results pinpointed high-risk claims, fast-tracked low-risk claims, and improved the overall customer experience.

## Key Outcomes

Claims

Pinpointed and validated high-risk claims

Fast

Fast-tracked low-risk claims

Improved

Improved customer experience

The Challenge

**Validating risk identification and fast-tracking genuine claims in a competitive market**

In the highly competitive UK motor insurance market, delivering on Abacai's mission — to transform insurance by leveraging AI-based technology to drive a better, cheaper, and fairer insurance experience — means the business' focus is on bringing more value to customers while having a prime strategy for identifying risk and fraud.

The Abacai Group, through its multiple business arms, provides several different motor-based schemes — from insuring a variety of annual motor lines including rental vehicles, taxis, and ride-share drivers to distributing short-term (hourly, daily, weekly, or monthly) policies.

Solution

**Voice-based risk assessment embedded into the claims process**

Abacai initially introduced Clearspeed into its first-party motor theft and fire claims process on cases that had been flagged for further investigation. The team leveraged Clearspeed in conjunction with the organisation's internal fraud matrices and other investigative tools to validate the results.

From this, the team expanded Clearspeed's application across all theft, fire, and single vehicle accident claims, regardless of whether the internal fraud matrix had flagged them or not. Tom Wilson, Head of Counter Fraud at Abacai Group, explains, "We now use Clearspeed to help us streamline the process for all claims. It gives us the confidence to move those flagged as low-risk straight to payment and focus on those alerted as high risk, easing up the resource challenges in the claims units we'd been experiencing,"

Wilson also notes that the business case for Clearspeed makes sense at multiple points in the insurance customer lifecycle: "There's the fraud aspect, in terms of using Clearspeed to flag the cases where there's a potential fraud issue. But the other side of the coin is that it helps to fast-track those genuine customers through a process that doesn't involve the fraud investigation team,"

"Combining our fraud matrices, investigative tools and Clearspeed helps us fast-track low-risk customers so that their claims aren't delayed, and it creates a smoother and more progressive journey for a genuine customer."

In this vein, Wilson adds that leveraging Clearspeed has helped the Abacai team address the trade-off between speed versus fraud detection that typically impacts the customer experience for low-risk claimants, and is part of the on-going challenge insurers wrestle with in pursuit of time and cost savings.

He says, "Clearspeed helps us get the right claims into the right hands quickly, knowing that we're delivering a better customer experience overall while also optimizing the impact of our investigative teams by helping them focus where fraud is most likely."

Wilson adds that Clearspeed has also had a deterrent effect against potential fraud, wherein individuals in the claims process are informed that they need to do a Clearspeed questionnaire, and they're never heard from again.

### "Clearspeed is a win for us, a win for our customers, and a win for the broader industry as we're able to offer unique insurance products while effectively managing the risk of fraudulent claims. At the end of the day, the key is calculating risk better than your competitors, meaning you sell the right policies that meet the needs of your customers."

**Tom Wilson**

Head of Counter Fraud at Abacai Group

## Streamlining Claims Processing

# Improving Straight-Through Processing in Underwriting and Claims with Voice Analytics Technology

## Danielle Ng-See-Quan

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## August 17, 2023

BACK

The insurance industry is in the midst of a tech-driven shift. With data and analytics capabilities becoming table stakes for P&C insurers, accelerating the claims process through automation and advanced technologies is a key area to drive improvements in and streamline workflows. Particularly during the claims triage process at First Notice of Loss (FNOL)/ Electronic Notice of Loss (ENOL), straight-through processing (STP) has seen major growth over the last few years - while table stakes in underwriting, it is becoming more common in personal lines transactions.

Still, according to Aite-Novarica’s 2023 report, less than half of insurers are using STP in personal lines transactions, with an STP rate of 7% - relatively similar to the firm’s findings back in 2021.

STP adoption can be challenging for organizations within which legacy systems are embedded. There’s also a limitation for STP that can come from a lack of reliable or available data.

But when customer experience and speed are differentiators in an increasingly connected and digitized insurance ecosystem, implementing STP for insurers only makes good business sense. Technology advances are opening up new opportunities for insurers to implement STP with minimal disruption to their existing processes, while speeding up triage and processing at FNOL. Here, we’ll discuss the value of implementing STP at FNOL, and how you can leverage technology to implement STP.

## What is straight-through processing (STP) in insurance?

Straight-through processing (STP) in insurance is the ability for insurers to automatically process transactions without manual intervention.

Systems take in data digitally and complete the transaction in a process handled by automation and algorithms (this could be predictive models, for example) rather than people. STP can apply to underwriting and first-notice-of-loss in claims as just two examples.

## The benefits of implementing STP at FNOL: Improving Operational Efficiency

The overarching benefit of implementing STP at FNOL is solving the familiar issue of claims handling efficiency. The claims handling process has traditionally been slow and labor-intensive, requiring significant time and resources.

However, with straight-through processing, insurers can process claims quickly and efficiently, often within minutes of receiving the initial notification of loss. This saves insurers time and money and ensures that policyholders receive prompt and effective service.

In addition to improving efficiency and accuracy, STP has helped insurers reduce costs associated with FNOL processing. By automating routine tasks and streamlining workflows, insurers can reduce the need for adjuster involvement, which can be costly and time-consuming. This, in turn, can help insurers reduce their overall claims processing costs, improving their bottom line and enabling them to invest in other business areas.

## \#1 – Reducing severity

Straight-through processing at FNOL can significantly reduce severity for insurers with its ability to reduce errors and inconsistencies during the FNOL process. With automation, claims data is captured and processed in a more consistent and standardized process, reducing the risk of errors or omissions.

**When automating the many manual tasks involved in the claims process, insurers can** _reduce the need for human involvement from call center agents, adjusters, legal, and SIU_ **, which can be a significant cost saver. In addition, STP can help insurers** _spot fraudulent or exaggerated claims more efficiently_ **, lowering their overall claims costs.**

## \#2 – Increasing scalability

Implementing STP at FNOL has been a game-changer for insurers looking to scale their FNOL capabilities. With the power of automation, insurers can easily handle higher volumes of claims while reducing manual tasks and freeing up resources to focus on more complex claims. This has allowed insurers to improve customer service, providing faster and more accurate claim resolution even during catastrophic events.

For example, Clearspeed Surge was developed to help insurers quickly and confidently process large claim volumes during catastrophic, weather-based events. During a “surge” event, call volumes can increase more than 50x, with the risk of opportunistic claims fraud growing exponentially for insurance carriers. Clearspeed Surge provides short, simple, and automated voice questionnaires that detect risk with greater than ninety-seven percent accuracy.

## \#3 - Improving customer experience

It may not be straightforward to measure in hard dollars how improving your customer experience factors into the equation, but focusing on retention is a good place to start. The average retention rate of personal lines insurers is just 84%, while a few top-performing insurers are in the range of 93% - 95%.

So what is the number one reason why policyholders change carriers? We all know the answer to this one: a bad claims experience. Today's policyholders expect their insurers to provide a seamless, hassle-free experience, from FNOL to final settlement.

By implementing STP at FNOL, policyholders can experience faster and more accurate claim settlements. Insurers can process claims more quickly, meaning policyholders can get the money they need to cover their losses more quickly. And because STP at FNOL reduces the risk of human error, policyholders are more likely to receive the correct amount of compensation.

This improves customer satisfaction and loyalty and helps insurers stay competitive in an industry that is increasingly focused on customer experience.

Watch the On-Demand Webinar: Claims Experience Innovation - What’s Next?

## \#4 - Reducing fraud exposure

One of the key benefits of STP is its ability to reduce errors and inconsistencies during the FNOL process. In addition to improving the accuracy of claims data, STP at FNOL also helps insurers identify potential fraud or other issues early on in the process.

El Roble Seguros, the largest auto insurer in Guatemala, implemented Clearspeed to help facilitate STP at FNOL to enhance their claims process.

Read more about how El Roble Seguros achieved 31x ROI with Clearspeed in its first year

## \#5 - Reducing Human Error

STP at FNOL reduces the risk of human error by performing repetitive and time-consuming tasks in the claims process. Incorrect data entry, miscommunication between parties, and failure to follow proper procedures are some common examples.

STP at FNOL also augments the human expertise of claims adjusters by freeing them up to focus on more complex claims.

## Leveraging voice analytics for STP at FNOL

Of course, like any new technology, implementing straight-through processing at FNOL is not without its challenges. Insurers will need to carefully consider how they integrate this new approach into their existing claims processing workflows, and they will need to ensure that they have the correct systems and processes in place to support this new way of doing business.

While most insurers have invested in predictive analytics to enable STP at FNOL, voice analytics platforms like Clearspeed are an example of a simple and easy but highly effective way to support STP at FNOL.

Traditionally, many insurers have turned to Predictive Analytics and Natural Language Processing (NLP) to enable STP and FNOL. The challenge insurers face is that NLP applications require a large amount of data from your core systems and that data has to be accessible, available, and accurate.

The more data analyzed, the greater the accuracy of identifying fraud patterns. NLP applications require time, measured in months, to learn from your specific data before generating accurate predictions.

Accessing data, especially with legacy systems, continues to be an expensive and time-consuming proposition. Even If your core systems are on a modern platform with open API access, is your data available and accurate?

Voice analytics converts speech into unbiased and language-independent data. This data is analyzed for the presence or absence of risk-associated vocal characteristics, with incredibly high accuracy (>97% based on a study with the US Department of Defense.) The insurer can use those results to fast-track low-risk claims with greater confidence, and focus its resources where there is an alert.

The results from voice analytics are similar to those from NLP: they are not a determination but rather a risk alert. The voice analytics generated risk alert can be a unique data point in a risk and fraud ecosystem to help enable STP at FNOL.

The benefits of using voice analytics vs. NLP include the following:

- Access to the data in your modern or legacy internal systems is not required
- Filtering out PII (Personal Identification Information) data is not required
- Voice analytics is easily modified by simply introducing new questions
- Voice analytics works within any customer touchpoints such as web, call center, and chat

Clearspeed voice analytics can help take STP at FNOL to the next level by providing a fast, accurate and unbiased risk insight, previously difficult and expensive to acquire from any other source.

## Accelerate adoption of STP at FNOL with voice analytics technology

Successful organizations leverage analytics to capture data and transform it into intelligent insights. To date, the insurance industry has been slow to realize the benefits that voice analytics can offer, despite its technological advances over the past few years.

Groundbreaking voice analytics technology from Clearspeed can accelerate the adoption of STP at FNOL, enabling insurers to realize the benefits of:

- Reducing severity
- Increasing scalability
- Improving customer experience
- Reducing fraud exposure
- Reducing human error

in less time and with lower costs.

Learn more about Clearspeed's affordable and highly effective AI-enabled voice analytics technology helps insurers across the claims lifecycle

## New Voice Analytics

# Speaking of a new and better way

## Matt McHenry

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## September 28, 2022

BACK

## EXCLUSIVE: “Speaking of a new and better way…” Jules Ehrlich, Clearspeed in ‘The Insurtech Magazine’

Read on FFnews

**Clearspeed voice analytics represent a quantum leap in risk accuracy for**
**insurers, says Jules Ehrlich, its Chief Product and Strategy Officer. Here, he explains how it’s achieved those**
**targets – and at scale**

Voice has a mixed reputation in insurance. Caller authentication technologies have been well-received but voice stress
used to assess claims risk less so, for many reasons – including questionable accuracy.

Clearspeed voice analytics are nothing like the voice technology of the past. There is no use of voice stress or lie
detection, no biometrics, no emotions, no inflections or hesitations, no natural language processing. This is new. And
so much better.

The core technology uses automated questionnaires to ask exactly the same questions that claimants are asked now, such
as ‘was someone other than you operating the vehicle at the time of the accident?’, ‘does your claim include property
damage not caused by the fire/flood/storm?’, ‘do you know where your lost item is now?’.

In the past, it was nearly impossible or at least very cost prohibitive, to assess the accuracy risk of the answers
that claimants provided. Today, insurers can leverage big data and AI capabilities with historical and even real-time
information for more insight, but that can bring complexity, increase false positives and may not provide the
validation needed to process claims quickly and accurately.

As speed is increasing, so is fraud, especially in these challenging times. Clearspeed brings new and unique data to
risk assessment. And with greater than 97 per cent accuracy, it’s helping insurers increase the number of claims they
can process straight through with very high confidence by leveraging Clearspeed’s automated questionnaires, either
from within their call centres, or as an instant follow-up to ENOL/FNOL or other methods of claims submission.

> “It’s impressive how something so simple can have such an immediate, positive impact”
>
> Tara Shelton, Head of Desktop Solutions and European Development, The Cotswold Group

## **How it works**

With Clearspeed voice analytics, insurers deliver short, automated voice questionnaires to their claimants, connecting
with them by phone, app, chatbot or web. Questionnaires can include both yes/no and open-ended questions. Insurers can
choose from the Clearspeed library of questions that have been successful with other insurers or create their own
specific questions.

There are a few essential features to understand with Clearspeed.

- Automated delivery means that the questions are asked the same way, in the same voice, without judgment, every time.
And it offers consistent around-the-clock availability.

- Any language means that the questionnaires are language- agnostic, making it very easy to accommodate every
claimant.

- No personal data collection means Clearspeed does not need to know who the claimant is or store any personally
identifiable information (PII) to provide a risk assessment.

There is no bias in the automated delivery, nor in the scoring of responses. You can think of it pretty much like a
metal detector at an airport when you go through departures – it doesn’t care who you are or where you’re from, just
whether you’re carrying anything made from metal. Clearspeed takes the recorded claimant responses and removes all
noise from the voice signal other than the universal voice characteristics that we know to be associated with risk. It
then checks for the presence or absence of these voice characteristics and scores them on a risk spectrum of low to
high.

Low-risk claimants can move forward quickly, with a straight-through or expedited process that gets them paid faster.
But this does not mean that higher risk claims are denied. Clearspeed simply provides a low to high risk alert, just
like the metal detector. Getting flagged doesn’t mean that you don’t fly, it just indicates the need for someone to
follow up. If you’re clear, you’re good to go.

In the same way, Clearspeed is used to clear low-risk people very quickly and with a much higher level of assurance
than insurers have been accustomed to. But it is never used to deny a claim. On follow-up, insurers can find that,
even though the alert was warranted, the claim is indeed valid and gets paid. In a smaller number of cases, that
follow-up determines there is actual fraud.

> “Clearspeed brings a new and highly effective approach to screening for fraud at scale during claims processing”
>
>
> Clare Lunn, Head of Counter Fraud, Markerstudy

## **Optimising the claims process**

Insurers have many opportunities to benefit from deploying Clearspeed within their claims process. At the initiation
of the claim, they are usually less concerned about pinpointing the risk in each response and instead are looking for
a red/green indicator about whether to expedite or follow up. Here they will either use a low-risk Clearspeed result
on its own to process the claim or they will add it as a contributing data point to their AI/data analytics to make a
decision.

Further downstream, an adjuster or SIU investigator will relish the precise risk data that Clearspeed provides, to
inform their next steps, confident that it is not a false positive or unproductive alert. Clearspeed is effective,
either standalone or fully integrated within an insurer’s existing processes and platforms, with results delivered via
API. Since there is no data to gather, no AI to tune, etc, implementation is comparatively short and generally takes
less than a month.

## **Supporting the ecosystem**

Clearspeed is a highly secure Cloud-based service that operates worldwide and contributes effectively to the insurance
ecosystem. It can integrate easily across all ecosystem platforms, from automated communications via Hi Marley, the
intelligent communication platform for the insurance industry, to fraud and other analytics systems such as Shift or
Friss, and to claims management via Guidewire or similar products.

Insurers often use Clearspeed data to enhance the accuracy of what they are seeing from their predictive analytics,
either inserting the automated questionnaires at the very tip of the process or further downstream, once they have all
the supporting data.

Some insurers actually apply a red/green short form questionnaire early on and more precision-based questionnaires
when they require more precise risk data.

In either scenario, the data flows easily across the ecosystem. Powerful and informative The reason that the
assessment is so accurate (greater than 97 per cent) is because our initial use case was all about accuracy. We needed
to help our military screen for risk at scale in austere, remote combat environments.

Lives were on the line. Getting it wrong was just not an option.

So, we had to iterate over many years until no high risk was missed and false positives were miniscule. Once an
insurer begins getting data from Clearspeed, it will find there are many ways to use the questionnaires to drive
different and impactful outcomes, which:

- Increase the percentage of claims that go straight through… quicker pay, lower claim handling time, higher
assurance, higher customer retention

- Reduce your false positives
- Reduce soft fraud
- Increase walkaways – insurers are seeing very strong numbers here
- Reduce investigation downstream with precise risk data so investigators can easily focus in on where the claim risk
lies

It also means insurers can potentially rethink parts of their process. For example, if Clearspeed provides a low-risk
score on a low-risk travel claim, maybe you won’t bother incurring the time and expense to request a receipt, review
it, etc.

In fact, you will absolutely delight your policyholders. And, even if you’re already doing this today, Clearspeed will
provide a new level of assurance for those decisions. Expedited and automated claims settlements also naturally means
lower operating costs.

Together with our customers, Clearspeed is redefining risk assessment with unparalleled accuracy, speed and
simplicity.

Clearspeed will be at ITC Vegas 2022 (September 20-22) in booth 3159, where visitors can learn more about how it’s
helping process claims faster, reduce fraud, lower false positives and deliver a better customer experience.

To find out more, go to Clearspeed.com

## Voice Analytics Revolution

# Speaking of a new and better way

## Matt McHenry

\|

## September 28, 2022

BACK

## EXCLUSIVE: “Speaking of a new and better way…” Jules Ehrlich, Clearspeed in ‘The Insurtech Magazine’

Read on FFnews

**Clearspeed voice analytics represent a quantum leap in risk accuracy for**
**insurers, says Jules Ehrlich, its Chief Product and Strategy Officer. Here, he explains how it’s achieved those**
**targets – and at scale**

Voice has a mixed reputation in insurance. Caller authentication technologies have been well-received but voice stress
used to assess claims risk less so, for many reasons – including questionable accuracy.

Clearspeed voice analytics are nothing like the voice technology of the past. There is no use of voice stress or lie
detection, no biometrics, no emotions, no inflections or hesitations, no natural language processing. This is new. And
so much better.

The core technology uses automated questionnaires to ask exactly the same questions that claimants are asked now, such
as ‘was someone other than you operating the vehicle at the time of the accident?’, ‘does your claim include property
damage not caused by the fire/flood/storm?’, ‘do you know where your lost item is now?’.

In the past, it was nearly impossible or at least very cost prohibitive, to assess the accuracy risk of the answers
that claimants provided. Today, insurers can leverage big data and AI capabilities with historical and even real-time
information for more insight, but that can bring complexity, increase false positives and may not provide the
validation needed to process claims quickly and accurately.

As speed is increasing, so is fraud, especially in these challenging times. Clearspeed brings new and unique data to
risk assessment. And with greater than 97 per cent accuracy, it’s helping insurers increase the number of claims they
can process straight through with very high confidence by leveraging Clearspeed’s automated questionnaires, either
from within their call centres, or as an instant follow-up to ENOL/FNOL or other methods of claims submission.

> “It’s impressive how something so simple can have such an immediate, positive impact”
>
> Tara Shelton, Head of Desktop Solutions and European Development, The Cotswold Group

## **How it works**

With Clearspeed voice analytics, insurers deliver short, automated voice questionnaires to their claimants, connecting
with them by phone, app, chatbot or web. Questionnaires can include both yes/no and open-ended questions. Insurers can
choose from the Clearspeed library of questions that have been successful with other insurers or create their own
specific questions.

There are a few essential features to understand with Clearspeed.

- Automated delivery means that the questions are asked the same way, in the same voice, without judgment, every time.
And it offers consistent around-the-clock availability.

- Any language means that the questionnaires are language- agnostic, making it very easy to accommodate every
claimant.

- No personal data collection means Clearspeed does not need to know who the claimant is or store any personally
identifiable information (PII) to provide a risk assessment.

There is no bias in the automated delivery, nor in the scoring of responses. You can think of it pretty much like a
metal detector at an airport when you go through departures – it doesn’t care who you are or where you’re from, just
whether you’re carrying anything made from metal. Clearspeed takes the recorded claimant responses and removes all
noise from the voice signal other than the universal voice characteristics that we know to be associated with risk. It
then checks for the presence or absence of these voice characteristics and scores them on a risk spectrum of low to
high.

Low-risk claimants can move forward quickly, with a straight-through or expedited process that gets them paid faster.
But this does not mean that higher risk claims are denied. Clearspeed simply provides a low to high risk alert, just
like the metal detector. Getting flagged doesn’t mean that you don’t fly, it just indicates the need for someone to
follow up. If you’re clear, you’re good to go.

In the same way, Clearspeed is used to clear low-risk people very quickly and with a much higher level of assurance
than insurers have been accustomed to. But it is never used to deny a claim. On follow-up, insurers can find that,
even though the alert was warranted, the claim is indeed valid and gets paid. In a smaller number of cases, that
follow-up determines there is actual fraud.

> “Clearspeed brings a new and highly effective approach to screening for fraud at scale during claims processing”
>
>
> Clare Lunn, Head of Counter Fraud, Markerstudy

## **Optimising the claims process**

Insurers have many opportunities to benefit from deploying Clearspeed within their claims process. At the initiation
of the claim, they are usually less concerned about pinpointing the risk in each response and instead are looking for
a red/green indicator about whether to expedite or follow up. Here they will either use a low-risk Clearspeed result
on its own to process the claim or they will add it as a contributing data point to their AI/data analytics to make a
decision.

Further downstream, an adjuster or SIU investigator will relish the precise risk data that Clearspeed provides, to
inform their next steps, confident that it is not a false positive or unproductive alert. Clearspeed is effective,
either standalone or fully integrated within an insurer’s existing processes and platforms, with results delivered via
API. Since there is no data to gather, no AI to tune, etc, implementation is comparatively short and generally takes
less than a month.

## **Supporting the ecosystem**

Clearspeed is a highly secure Cloud-based service that operates worldwide and contributes effectively to the insurance
ecosystem. It can integrate easily across all ecosystem platforms, from automated communications via Hi Marley, the
intelligent communication platform for the insurance industry, to fraud and other analytics systems such as Shift or
Friss, and to claims management via Guidewire or similar products.

Insurers often use Clearspeed data to enhance the accuracy of what they are seeing from their predictive analytics,
either inserting the automated questionnaires at the very tip of the process or further downstream, once they have all
the supporting data.

Some insurers actually apply a red/green short form questionnaire early on and more precision-based questionnaires
when they require more precise risk data.

In either scenario, the data flows easily across the ecosystem. Powerful and informative The reason that the
assessment is so accurate (greater than 97 per cent) is because our initial use case was all about accuracy. We needed
to help our military screen for risk at scale in austere, remote combat environments.

Lives were on the line. Getting it wrong was just not an option.

So, we had to iterate over many years until no high risk was missed and false positives were miniscule. Once an
insurer begins getting data from Clearspeed, it will find there are many ways to use the questionnaires to drive
different and impactful outcomes, which:

- Increase the percentage of claims that go straight through… quicker pay, lower claim handling time, higher
assurance, higher customer retention

- Reduce your false positives
- Reduce soft fraud
- Increase walkaways – insurers are seeing very strong numbers here
- Reduce investigation downstream with precise risk data so investigators can easily focus in on where the claim risk
lies

It also means insurers can potentially rethink parts of their process. For example, if Clearspeed provides a low-risk
score on a low-risk travel claim, maybe you won’t bother incurring the time and expense to request a receipt, review
it, etc.

In fact, you will absolutely delight your policyholders. And, even if you’re already doing this today, Clearspeed will
provide a new level of assurance for those decisions. Expedited and automated claims settlements also naturally means
lower operating costs.

Together with our customers, Clearspeed is redefining risk assessment with unparalleled accuracy, speed and
simplicity.

Clearspeed will be at ITC Vegas 2022 (September 20-22) in booth 3159, where visitors can learn more about how it’s
helping process claims faster, reduce fraud, lower false positives and deliver a better customer experience.

To find out more, go to Clearspeed.com

## Clearspeed Resources
https://www.clearspeed.com/2026-itc-breakfast-registration-page2026-07-17T18:18:15.803Zweekly0.8https://www.clearspeed.com/blog2026-07-14T16:41:02.922Zweekly0.8https://www.clearspeed.com/leadership2026-06-04T20:16:38.920Zweekly0.8https://www.clearspeed.com/pilot-terms-of-use2026-07-21T15:42:00.288Zweekly0.8https://www.clearspeed.com/resource-hub2026-06-26T19:15:45.185Zweekly0.8https://www.clearspeed.com/auto-wp-next-billion-dollar-variable2026-07-19T15:22:01.944Zweekly0.8https://www.clearspeed.com/grand-prix-invitation2026-07-21T18:19:37.173Zweekly0.8https://www.clearspeed.com/whitepaper-homeowners-market2026-07-16T22:11:01.573Zweekly0.8https://www.clearspeed.com/itc-vegas-20262026-07-20T21:40:48.141Zweekly0.8https://www.clearspeed.com/security-commitment2026-06-17T19:29:35.462Zweekly0.8https://www.clearspeed.com/sitemap2026-07-21T15:46:29.170Zweekly0.8https://www.clearspeed.com/client-stories2026-06-12T13:39:22.498Zweekly0.8https://www.clearspeed.com/terms-of-service2026-07-21T16:40:32.291Zweekly0.8https://www.clearspeed.com/webinars2026-06-04T20:14:27.780Zweekly0.8https://www.clearspeed.com/reports-guides2026-06-04T20:12:12.329Zweekly0.8https://www.clearspeed.com/security-vetting-access-control2026-06-04T14:32:48.805Zweekly0.8https://www.clearspeed.com/fraud-waste-abuse-fwa2026-06-17T18:16:44.381Zweekly0.8https://www.clearspeed.com/hiring-screening2026-06-04T20:06:03.437Zweekly0.8https://www.clearspeed.com/global-public-events2026-06-04T20:07:00.757Zweekly0.8https://www.clearspeed.com/cat-events2026-06-04T20:05:43.761Zweekly0.8https://www.clearspeed.com/insider-threat2026-06-04T20:06:25.186Zweekly0.8https://www.clearspeed.com/sports-integrity2026-06-04T20:04:09.800Zweekly0.8https://www.clearspeed.com/fraud-financial-crime2026-06-04T20:05:24.771Zweekly0.8https://www.clearspeed.com/life-health2026-06-04T19:50:20.061Zweekly0.8https://www.clearspeed.com/aml-kyc2026-06-04T20:03:50.869Zweekly0.8https://www.clearspeed.com/account-takeover2026-06-04T20:03:00.365Zweekly0.8https://www.clearspeed.com/claims-transactions2026-06-04T20:01:15.802Zweekly0.8https://www.clearspeed.com/financial-services-banking2026-06-04T19:58:15.286Zweekly0.8https://www.clearspeed.com/loan-credit-processing2026-06-04T19:58:35.034Zweekly0.8https://www.clearspeed.com/vendor-risk-management2026-06-04T14:29:51.128Zweekly0.8https://www.clearspeed.com/government-continuous-vetting2026-06-04T14:28:05.842Zweekly0.8https://www.clearspeed.com/benefits-payments2026-07-14T18:22:56.341Zweekly0.8https://www.clearspeed.com/immigration-border-security2026-06-04T14:28:54.873Zweekly0.8https://www.clearspeed.com/workers-compensation2026-06-04T19:50:51.262Zweekly0.8https://www.clearspeed.com/insurance-underwriting2026-06-04T19:47:59.992Zweekly0.8https://www.clearspeed.com/government2026-06-11T13:57:48.971Zweekly0.8https://www.clearspeed.com/insurance-claims-experience2026-07-14T18:26:53.804Zweekly0.8https://www.clearspeed.com/demo2026-06-04T20:19:30.100Zweekly0.8https://www.clearspeed.com/privacy-policy2026-07-21T17:02:37.700Zweekly0.8https://www.clearspeed.com/use-cases2026-06-04T20:15:33.471Zweekly0.8https://www.clearspeed.com/faq2026-07-21T17:07:16.843Zweekly0.8https://www.clearspeed.com/about-us2026-06-11T13:37:53.843Zweekly0.8https://www.clearspeed.com/roi-impact2026-07-14T18:29:28.005Zweekly0.8https://www.clearspeed.com/trust-faster2026-06-04T20:10:11.409Zweekly0.8https://www.clearspeed.com/defense2026-06-17T18:07:00.301Zweekly0.8https://www.clearspeed.com/substance-screening2026-06-04T20:06:41.575Zweekly0.8https://www.clearspeed.com/insurance-solutions2026-07-14T18:25:28.466Zweekly0.8https://www.clearspeed.com/contact2026-06-04T20:19:13.675Zweekly0.8https://www.clearspeed.com/podcasts2026-06-11T13:43:31.843Zweekly0.8https://www.clearspeed.com/events2026-06-04T20:17:38.994Zweekly0.8https://www.clearspeed.com/videos2026-06-04T20:15:00.664Zweekly0.8https://www.clearspeed.com/blogs2026-06-04T20:11:13.263Zweekly0.8https://www.clearspeed.com/newsroom2026-06-04T20:17:16.277Zweekly0.8https://www.clearspeed.com/technology2026-06-04T14:21:09.101Zweekly0.8https://www.clearspeed.com/2026-06-23T20:04:25.401Zweekly1https://www.clearspeed.com/blog/wbj2026-07-21T20:37:42.693Zweekly0.7https://www.clearspeed.com/blog/clearspeed-appoints-laurie-babinski-as-general-counsel2026-07-16T18:47:15.115Zweekly0.7https://www.clearspeed.com/blog/rethinking-the-eligibility-process-for-snap-and-medicaid2026-07-14T21:09:54.590Zweekly0.7https://www.clearspeed.com/blog/the-hill-fraud-prevention-clearspeed2026-06-24T14:05:25.667Zweekly0.7https://www.clearspeed.com/blog/news-nation-clearspeed2026-06-29T15:09:08.899Zweekly0.7https://www.clearspeed.com/blog/cfo-tech-its-time-insurance-seeks-out-next-gen-responsible-technologies2026-06-15T13:43:04.916Zweekly0.7https://www.clearspeed.com/blog/military-com-marine-officer-built-ai-trust-tool-after-deadly-insider-attack-in-afghanistan2026-06-29T13:55:47.705Zweekly0.7https://www.clearspeed.com/blog/the-insurtech-leadership-podcast2026-07-01T13:4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## 2026 ITC Breakfast

## Clearspeed Blog Insights

# Blog

Clearspeed and industry leaders explore opportunities for innovation in markets where trust at scale is essential.

AllEnterpriseGovernmentInsuranceDefense

July 2, 2026

**Rethinking the eligibility process for SNAP and Medicaid**

Rising improper payments and flat staffing are straining SNAP and Medicaid. Learn how a trust-forward eligibility model speeds up benefits without sacrificing program integrity.

by: Nate Curtis

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May 6, 2026

**The state of P&C claims: What the data is telling us and how Clearspeed can help**

Leading carriers are deploying tools at the earliest stages of claims triage to fast-track low-risk claims and route high-risk ones for investigation, while most carriers still lack the technology maturity to do this consistently. Clearspeed provides a voice-based risk assessment layer deployable at FNOL across any line of business, and has already demonstrated enterprise-scale results.

by: Rebecca Falk

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May 5, 2026

**The Real Story Behind the $186 Billion in Improper Government Payments**

The Government Accountability Office just released its latest tally on improper federal payments. The number for fiscal year 2025 is $186 billion, $24 billion more than the year before. Cumulatively, since 2003, the federal government has reported about $3 trillion in payments that should never have gone out the door. A handful of folks have sent me the report over the past few days, so I wanted to take a second to share my thoughts.

by: Alex Martin

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April 29, 2026

**Fighting Financial Crime at Scale: How Clearspeed Supports the FATF's Global Mission**

On April 17, 2026, The Finance Ministers of the Financial Action Task Force (FATF) gathered in Washington, D.C. and signed a declaration that left no room for misinterpretation: the global fight against money laundering, terrorist financing, and fraud is becoming more intense. The tools used to combat these threats must keep pace, or we will collectively fail.

by: Aaron McIntosh

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March 23, 2026

**Optimizing the future of life underwriting**

While polygraph and credibility assessment tools are often compared to Clearspeed, they operate on fundamentally different principles, deliver different outputs, and serve different operational needs. Clearspeed is a voice-based risk assessment technology. Its ability to detect, quantify, and evaluate characteristics in the voice that are directly correlated with risk is unique.

by: Rebecca Falk

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December 17, 2025

**A look at Clearspeed Gives Back in 2025**

At Clearspeed, we believe that while businesses have a financial imperative to make confident decisions, they also have a moral responsibility to do good.

by: Rebecca Falk

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October 28, 2025

**How insurance industry leaders are prioritizing trust in 2025**

At Insurtech Insights USA 2025, we spoke to a variety of industry leaders during the Trust Talks podcast series.

by: Rebecca Falk

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August 18, 2025

**How Clearspeed differs from the polygraph**

While polygraph and credibility assessment tools are often compared to Clearspeed, they operate on fundamentally different principles, deliver different outputs, and serve different operational needs. Clearspeed is a voice-based risk assessment technology. Its ability to detect, quantify, and evaluate characteristics in the voice that are directly correlated with risk is unique.

by: Danielle Ng-See-Quan

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June 26, 2025

**Building the mission-critical trust advantage**

Today Clearspeed announced its $60 M series D funding, led by Align Private Capital, with participation from IronGate Capital Advisors, Bravo Victor Venture Capital, and KBW Ventures.

by: Alex Martin

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## Clearspeed Pilot Terms

# CLEARSPEED PROOF OF VALUE TERMS OF USE

**Last Updated: June 2026**

THESE CLEARSPEED PROOF OF VALUE TERMS OF USE ( **“TERMS“**) ARE A LEGAL AGREEMENT BETWEEN YOU (“CLIENT” OR “YOU”) AND **CLEARSPEED INC.** (“ **CLEARSPEED**“), A DELAWARE CORPORATION HAVING OFFICES AT 555 WEST BEECH ST, SUITE 502, SAN DIEGO, CA 92101, EACH A “ **PARTY**” AND COLLECTIVELY THE “ **PARTIES**.” BY EXECUTING A PROOF OF VALUE ORDER FORM THAT INCLUDES THESE TERMS BY REFERENCE OR USING THE CLEARSPEED SERVICES AND/OR SOFTWARE (AS EACH IS DEFINED BELOW), CLIENT ACKNOWLEDGES THAT CLIENT HAS REVIEWED, UNDERSTOOD, ACCEPTS AND WILL BE BOUND BY THESE TERMS. IF YOU ARE AGREEING TO THESE TERMS AS A REPRESENTATIVE OF AN ENTITY, YOU REPRESENT THAT YOU HAVE THE AUTHORITY TO BIND THAT ENTITY AND THE TERM “CLIENT” REFERS TO THAT ENTITY. CLEARSPEED MAY MAKE CHANGES TO THESE TERMS AT ANY TIME, BUT CLIENT WILL BE BOUND BY THE VERSION OF THE TERMS EXISTING AS OF THE DATE A RELEVANT PROOF OF VALUE ORDER FORM WAS EXECUTED UNTIL THAT PROOF OF VALUE ORDER FORM IS RENEWED.

**1\. DEFINITIONS. Capitalized terms used in these Terms shall have the meaning assigned to them as set forth below.**

**“Call”** means the instance of a Questionnaire that is responded to, in whole or in part, by a Participant, either by telephone or by any and all other methods made available by Clearspeed.

**“Call Data”** subject to the definition of Client Data, means the data collected by Clearspeed during a Call, including the analog and digital recordings of a Participant’s vocal responses (generally limited to “yes” or “no” responses) during the course of a Call.

**“Call Quantity”** means the number of Calls permitted under these Terms as specifically set forth on a respective Order Form.

**“Call Results”** means the ultimate assessment and/or analysis of Call Data Clearspeed provides Client with respect to any specific Participant response (e.g. identifying the response as low, potential, average, or high risk) to any Questionnaire question. For the avoidance of doubt, the process by which Clearspeed analyzes and/or assesses the Call Data shall not be part of the definition of Call Results.

**“Clearspeed Intellectual Property”** means title to and ownership of (a) all copies of the Software whether in machine-readable (source, object code or other form) or printed form, and all related, technical know-how and all rights herein (including, without limitation, all Intellectual Property Rights applicable thereto an in all derivative works by whomever produced), (b) any and all of Clearspeed’s proprietary technology relating to the Services, including, without limitation, any software underlying the Service, any Clearspeed Questionnaire(s) administered as part of the Service, the technologies used to implement the Service, (c) the process by which Clearspeed analyzes and/or assesses the Call Data, (d) any know-how, technique, algorithm, process (whether AI-assisted or otherwise) or other Clearspeed Intellectual Property Rights owned and used by Clearspeed to provide the Call Results, and (d) any learning and subsequent modifications to any Clearspeed software (or any underlying algorithms) or services resulting from any Client feedback or Suggestions (as defined below).

**“Clearspeed Processes”** means any know-how, technique, algorithm, process (whether AI-assisted or otherwise) use by Clearspeed to provide Call Results.

**“Client Data”** as between Clearspeed and Client, means any data (a) Client inputs into the Clearspeed web portal utilizing the Software, and any Client Personal Data (as such term is defined in the Data Processing Addendum) about Participants that Client provides or Clearspeed learns in the course of providing the Service, (b) Personal Data such as the Participant’s phone number, email address, reference number, the analog and digital recordings of a Participant’s vocal responses (generally limited to “yes” or “no” responses) made during the course of a Call, and (c) the digital, mathematical representation of a Participant’s unique biological characteristics to the extent such representations fall under the definition of Client Personal Data. Notwithstanding the foregoing, the process by which Clearspeed analyzes and/or assesses the Call Data shall not be part of the definition of Client Data, and the definition of Client Data expressly excludes any of the know-how, technique, algorithm, process (whether AI-assisted or otherwise) or other Clearspeed Intellectual Property Rights owned and used by Clearspeed to provide the Call Results.

**“Client Obligations”** means the required conditions and obligations of Client as set forth in Section 3 below and as further described on any and all applicable Order Forms.

**“Confidential Information”** means all non-public information disclosed by a party to the other party which (a) is marked as “Confidential” or with a comparable legend if disclosed in written, graphic, machine readable or other tangible form, or (b) which should reasonably in good faith be treated as confidential or proprietary based on the nature of the information or the circumstance surrounding its disclosure. Confidential Information does not include information which: (i) is generally known or publicly available, or which, hereafter through no act or failure to act on the part of recipient, becomes generally known or available; (ii) is rightfully known to recipient at the time of receiving such information; (iii) is furnished to recipient by a third party without restriction on disclosure; or (iv) is independently developed by recipient without having relied on the Confidential Information of the disclosing party.

**“Deliverables”** means any work or services (including, without limitation, implementation services) as set forth on a respective Statement of Work provided by Clearspeed to Client in connection with performing the Professional Services.

**“Documentation”** means any documentation related to the Service and/or Software made available to Client by Clearspeed.

**“Fees”** means the fees, use fees and any other fees that Clearspeed or an Authorized Reseller charges Client for the licenses and Services as set forth on the applicable Order Form.

**“Intellectual Property Rights”** means any intellectual property rights, including know-how, patents, utility models, rights in designs, copyrights, moral rights, database rights, trade name, and rights of confidentiality, trade secrets or proprietary information, in all cases whether or not registered or registrable in any country, and including the right to apply for the same and all rights and forms of protection of a similar nature or having equivalent or similar effect to any of these anywhere in the world from time to time.

**“Participant”** means a person designated by Client to participate in a Call.

**“Pilot Period”** means the limited duration period set forth on a Proof of Value Order Form during which Client shall be able to make Calls available for its Participants via the Services as part of its testing and trial of the Clearspeed Services, and b) the applicable Software licenses are valid.

**“Proof of Value Order Form”** means an ordering document or online order specifying the proof of value Services to be provided hereunder that is entered into between Client and Clearspeed.

**“Questionnaire”** means a set of pertinent questions that are asked on a Call whether based on existing templates or designed pursuant to Client’s specifications.

**“Service” or “Services”** means the products and services that are ordered by Client pursuant to an Order Form or online, and made available online or offline by Clearspeed (including, without limitation, the ability for a Participant to respond to a Questionnaire in the manner mutually agreed upon by both parties pursuant to the terms of these Terms) identifying security and fraud risks. The exclusive purpose of any Call(s) and subsequent Call Results is identifying potential security and/or fraud risk, and as such, expressly should not be used for the purpose of rendering a diagnostic opinion regarding the honesty or dishonesty of an individual.

**“Software”** means the generally available, commercially-licensed software, in binary form including all updates thereto (whether a major or minor release of the Software, or a fix of patch thereto, that Clearspeed may make available to Client) including, without limitation, via any website, app, or web portal, and the Documentation Clearspeed delivers or Client has been granted access to hereunder including any and all software underlying any features of the Service, and any websites and apps utilized in conjunction with the Service.

**2\. PROOF OF VALUE SCOPE, SOFTWARE LICENSE, RESERVATION OF RIGHTS, AND RESTRICTIONS**

**2.1 Performance of Service.** Subject to Client’s compliance with these Terms, Clearspeed will use reasonable commercial efforts to provide the Service to Client in accordance with these Terms. Unless the parties agree otherwise, the maximum number of Calls conducted during the Pilot Period shall be the Call Quantity. All Calls shall be eligible to be conducted during the Pilot Period. As a condition of receiving the Services, Client acknowledges that Clearspeed’s performance depends on Client fulfilling any and all Client Obligations as set forth in Section 3 (Client Obligations and Legal Compliance) below and further described on any respective Proof of Value Order Form. Client further acknowledges that any delays caused by Client failing to fulfill the Client Obligations may result in delays of Clearspeed’s performance. Clearspeed grants to Client a limited, non-exclusive, non-transferable (except as permitted herein), non-sublicensable (except as permitted herein) right during the Pilot Period to (a) access and use the Services in furtherance of Client’s internal evaluation purposes; and (b) use and access the Documentation in support of the foregoing.

**2.2 Subscription Rights to Use.** During the applicable Pilot Period, subject to the obligations set forth in Section 3 (Client Obligations and Legal Compliance) below and payment of any applicable Proof of Value license Fees, Clearspeed grants to Client a world-wide, non-exclusive and non-transferable license to permit Client to access and use the Software (including, without limitation, access via any website, app, or web portal) to a) aid in the development of the Clearspeed Questionnaire; b) managing the Call Results; and c) tracking Participant information. For the avoidance of doubt, Client’s access to any Clearspeed web portals or apps shall only be valid for the Pilot Period.

**2.3 Routine Testing.** Provided Client obtains prior written consent from Clearspeed, Clearspeed grants Client the right to conduct routine testing of the Clearspeed Services solely for the purpose of (a) ensuring the overall quality of interviews, (b) determining which specific language should be used during the interview process, (c) testing the quality of telephone lines or web-based connections used to conduct interviews, and (d) conduct testing for other similar purposes associated with determining overall interview quality. In order to obtain Clearspeed’s approval to conduct such routine testing, Client must submit a written request to Clearspeed (i) informing Clearspeed of its intention to conduct such routine testing of the Clearspeed Services; (ii) defining the purpose of such routine testing; (iii) stating the exact dates such testing will occur (provided no such testing period shall exceed five (5) business days). Clearspeed retains the right, in its sole discretion, to deny or place any restrictions it deems necessary on any such routine testing requests, and Clearspeed shall not be obligated to provide any reports or results during the agreed-upon testing period (if any).

**2.4 Recording.** Client shall inform Clearspeed in writing if Client will record any Calls as part of the implementation of Clearspeed’s Services. For avoidance of doubt, failure to do so will be considered a material breach f these Terms.

**2.5 Restrictions.** Client shall not, directly or indirectly: (a) use the Services except as permitted hereunder, (b) sublicense, resell, rent, lease, decompile, disassemble, reverse engineer, or in any way derive source code from the Software or any Clearspeed Intellectual Property, distribute or otherwise transfer rights or usage in the Software or any Clearspeed Intellectual Property, (c) host, sell, resell, rent, exploit or lease the Software or Services or provide the Software or Services on a timesharing, service bureau, service provider or other similar basis, (d) subject to section 2.4, either directly, indirectly or through collaboration with third parties, conduct or engage in in any type of scientific, technical, academic or other type of foundational, comparative, correlational, applied, field or developmental research, assessment or evaluation of the Clearspeed Software, Services, Call Results, or Clearspeed Processes, (e) write, publish or distribute any documentation, or attempt to obtain funding of any sort related to Subsection 2.6(d), (f) engage in or attempt to in any manner defeat the Clearspeed Services for any purpose whatsoever, (g) remove or alter any copyright, trademark or proprietary notice in the Software, Clearspeed Intellectual Property or Documentation, (h) enable access to the Services by any third party except as otherwise provided in these Terms or with the prior written consent of Clearspeed, (i) use the Services to access, alter or destroy any information of other contractors or customers of Clearspeed, (j) use the Call Data and/or Call Results to train any artificial intelligence models or to create a service or technology similar to the Clearspeed software and/or Services, or (k) use the Services to (i) introduce any virus or other malware into Clearspeed’s systems or (ii) circumvent or modify any security technologies included as part of the Services. In connection with a violation of the foregoing, Clearspeed may suspend usage of the Services, without notice, pending any investigation of misuse. However, Clearspeed shall provide Client with notice of suspension as soon as reasonably practicable, provided that Clearspeed's security team has determined that such notice shall not cause any delay or interfere with its investigation or cause any damage or harm to Clearspeed’s systems, or delivery of Services.

**2.6 Third Party Software, Hardware and Services.** The Services may require the use of software, hardware, equipment or ancillary services provided by third parties (“Third Party Materials”). If an Order Form or an SOW specifies that Clearspeed will supply the Third-Party Materials then, unless agreed to otherwise by the parties on a respective Order Form or otherwise, Clearspeed assumes the responsibility for their performance and for compliance with any restrictions associated with such Third-Party Materials, except in connection with intentional or negligent acts or omissions of Client or its agents. If Client provides Third Party Materials, Client assumes the responsibility for their performance, for ensuring that such Third Party Materials are adequate for the proper operation of the Services, and for compliance with any restrictions associated with such Third Party Materials, except in connection with intentional or negligent acts or omissions of Clearspeed or any of its agents. If Clearspeed provides hardware or equipment to Client pursuant to an Order Form, Client shall return all such items in the same condition as provided, except for normal wear and tear, and shall be responsible for the full replacement cost of any damaged hardware or equipment.

**3\. CLIENT OBLIGATIONS**

**3.1 Security and Privacy.** Each party shall be responsible for compliance with all applicable security and privacy laws in connection with its activities hereunder.

**3.2 Statistical Dissociated Data.** Client acknowledges, permits, and hereby grants Clearspeed the right to collect and compile and use dissociated data from the Calls (including, without limitation, the questions, answers and results thereof) and the dissociated Client Data for support purposes, to improve and verify the accuracy of the Services, and for documentation and training purposes; provided, however, that such use will not in any manner identify the Client or Participants. Client will also provide Clearspeed and grant the right to use the results (in a de-identified/dissociated form) of subsequent investigations of a similar nature to the Service that Client performs (itself or through a third party) with Participants, identified by each Participant’s unique ID number which if used by Clearspeed may not identify a relevant Participant, and how those results confirm or conflict with the Service, for the purpose of confirming, verifying and improving the accuracy of the Services in general.

**3.3 Client Obligations.** Client shall (a) not use the Software in breach of the terms and conditions of Section 2 (Proof of Value Scope, Software License, and Restrictions); (b) subject to Section 3.5 below, be solely responsible for obtaining proper and lawful consent from Participants to participate in a Call; (c) for the proper functionality of the Service, ensure that Participants only use natural human voices rather than any type of recorded, or any other form of altered, synthetic or computer-generated voice recordings and/or simulations; use the Software and Service (including, without limitation, the content and use of any Call Questionnaires) in accordance with applicable laws, rules, regulations and the Documentation; (d) not use the Software or Service in an libelous, infringing, or otherwise unlawful, illegal or tortious manner; (e) promptly notify Clearspeed of any unauthorized use of, or access to, the Software or Service of which is becomes aware; (e) comply with any and all applicable laws including, without limitation, privacy and employment laws, when utilizing the results of the Service, the Software, Call Data, and/or Call Results; and (f) provide Clearspeed with any and all data Clearspeed needs in order to provide the Service, Support Services, or allow Client to access the Software pursuant to the terms of these Terms (e.g. individual Participant reference number, Client point of contact information, approximate number of participants, nearest city in order for Clearspeed to establish telephone number(s) Participants can use to participate in the Calls, and Participant emails if Client chooses to utilize certain Service features, use case information to craft the Clearspeed Questionnaire, etc.).

**3.4 Login Credentials.** Client shall create a user account, including a user name and password or other login credentials (“ **Login Credentials**”), and shall be responsible for maintaining the confidentiality and security of the Login Credentials and all activity in each user account by itself and its agents. Client is responsible for any access or use of the Services via the Login Credentials, including acts or omissions of each individual that Client permits to use the Services. Clearspeed shall have no liability if a security breach is caused by Client’s failure to employ industry-standard security and access control practices.

**3.5 Obtain Proper Participant Consent.** Client is solely responsible for obtaining proper and lawful consent from each and every Participant to engage, participate, and have their responses recorded as part of responding to the Questionnaire. Specifically, Client must provide each Participant with requisite information to make such consent valid, and must do so in the lawful format (including, without limitation, oral, written, or both, etc.) Client also acknowledges that Client is responsible for making sure Questionnaires are responded to in a manner allowing Clearspeed to perform the Service (for example, Client must ensure Participants are in a location where Clearspeed can gather Call Data). Client will promptly work with Clearspeed upon resolving any issues with obtaining Call Data due to Participant-related issues.

**3.6 Proper Use and Utilization of Call Data.** Client understands and acknowledges that for the duration of the Pilot Period the (a) Services shall only be used for the purpose of Client’s internal evaluation of such Services; (b) the Service does not draw any conclusion about a Participant and is not predictive of future behavior; and (c) the sole purpose of the Service is to identify security and fraud risk allowing Client to allocate further resources associated with any identified risk, and/or follow up with a respective Participant if Client so chooses. For the avoidance of doubt, Client acknowledges that it shall use the Call Results and/or any Call Data as a tool to provide Client with guidance and as merely one factor, among others, on a specific risk-assessment issue that Client may use in making any final decisions. A Questionnaire assesses risk relating only to the specific issues raised by the Call questions, and only as of the date on which the Call is administered. The Client is solely responsible for interpreting the Call Results, and shall determine the appropriate consideration that any such Call Result should be given in making any decision. Client shall be responsible for obtaining and complying with any and all applicable laws, rules, and regulations with respect to any decision it chooses to make based on the Call Results and/or any Call Data.

**3.7 Claims.** Client agrees to indemnify Clearspeed against any damages finally awarded against Clearspeed, including reasonable attorney’s fees, by a court or in a settlement, incurred in connection with a third-party claim (including, without limitation, those brought by any Participant) arising from or relating to a breach by Client of any of its obligations in this Section 3 or Client warranties set forth in Section 8 (Client Warranties) of these Terms.

**4\. Confidentiality.** Neither party will: (i) disclose the other party’s Confidential Information to a third party, or (ii) use the Confidential Information for any purpose other than as indicated in these Terms without the disclosing party’s prior written approval. The receiving party agrees to notify the disclosing party promptly of any unauthorized disclosure of Confidential Information and to assist the disclosing party in remedying any such unauthorized disclosure. Except as set forth herein, each party will protect the other party’s Confidential Information with at least the same degree of care and confidentiality, but not less than a reasonable standard of care, which the party uses to protect its own information of similar character. All Confidential Information disclosed hereunder will remain the sole property of the disclosing party and the receiving party will have no interest in or rights with respect thereto except as expressly set forth in these Terms. Confidential Information does not include data or information which: (i) is or comes into the public domain, except through the fault of the receiving party; (ii) is or becomes known to the receiving party from a third party without an obligation of confidentiality; (iii) is developed by the receiving party independently of the disclosing party’s Confidential Information. A party may disclose Confidential Information to the extent required: (1) to any consultant, contractor, advisor or counsel who has a bona fide need to know in connection with these Terms and has executed a protective non-disclosure agreement with the receiving party or (2) by operation of law, or by a court or governmental agency, or if necessary in any proceeding to establish rights or obligations under these Terms; provided, the receiving party shall, unless legally prohibited, provide the other party with reasonable prior written notice sufficient to permit the other party an opportunity to contest such disclosure.

**5\. FEES AND PAYMENT**

**5.1 Payment and Fees for Direct Purchases.** Clearspeed will invoice Client in advance and in accordance with the applicable Proof of Value Order Form. Unless otherwise stated in a Proof of Value Order Form, invoiced charges will be paid no more than thirty (30) days after the invoice date on each respective invoice. Invoices may be sent electronically at Clearspeed’s discretion. Except as otherwise specified herein or in a Proof of Value Order Form, (a) Fees are quoted and payable in United States Dollars; (b) Fees are based on the quantity of Calls actually purchased pursuant to the Proof of Value Order Form and not actual Calls conducted; and (c) payment obligations are non-cancelable and Fees paid are non-refundable. Client’s failure to pay any undisputed Fees when due is a material breach of these Terms. In the event of such material breach Clearspeed may, in its sole discretion, 1) suspend Client’s access to the Software and/or Services for failure to pay any Fees when due after thirty (30) days’ notice of such failure, and Client will continue to be charged all applicable Fees for the Software and Services during any period of suspension; or 2) terminate these Terms effective immediately. Upon termination for non-payment, all amounts due for the entire Subscription Term of each Proof of Value Order Form will become due and payable. Without limitation of its other rights, any Fees not paid when due will accrue interest at the rate of 12% per annum (or 1.0% per month), or the maximum rate permitted by law, whichever is lower.

**5.2 Taxes.** Unless otherwise stated in the Proof of Value Order Form, Fees and pricing do not include any taxes, levies, duties or similar governmental assessments of any nature, including but not limited to value-added, sales, use or withholding taxes, assessable by any local, state, provincial, federal or foreign jurisdiction (collectively, “Taxes”). Client is responsible for paying all Taxes associated with these Terms. If Clearspeed has the legal obligation to pay or collect Taxes for which Client is responsible under this Section, the appropriate amount will be invoiced to and paid by Client, unless Client provides Clearspeed with a valid tax exemption certificate authorized by the appropriate taxing authority. For clarity, Clearspeed is solely responsible for taxes assessable against it based on Clearspeed’s income, property and employees.

**6\. Ownership.** All right, title and interest (including all Intellectual Property Rights and other rights) in and ownership of the Clearspeed Intellectual Property, the Software, and the Services, and all rights not expressly granted to Client are reserved by Clearspeed and its licensors, as applicable, and shall remain the exclusive property thereof. Client retains all right, title and interest (including all Intellectual Property Rights and other rights) in and to the Client Data; provided, however, Client hereby grants a royalty-free, worldwide right and license to access, use, copy, and modify the Client Data for the purpose of providing the Services to the Client.

**7\. WARRANTIES**

**7.1 WARRANTY DISCLAIMER.** DURING THE PILOT PERIOD, THE SERVICE IS PROVIDED AS-IS WITH NO WARRANTIES WHATSOEVER. CLEARSPEED HEREBY DISCLAIMS ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED OR STATUTORY WARRANTIES OF MERCHANTABILITY, NON- INFRINGEMENT, ACCURACY, RELIABILITY, OR FITNESS FOR A PARTICULAR PURPOSE.

**7.2 Client Warranties.** Client warrants that it will (a) have all rights in Client Data needed to allow Clearspeed to perform the Service, including, without limitation, all consents from Participants; (b) perform the Client Obligations in a professional and workmanlike manner; and (c) only use or apply the Service in compliance with applicable laws, rules, and regulations.

**8\. INDEMNIFICATION**

**8.1 Clearspeed Indemnification Obligations.** Clearspeed will indemnify and defend Client and its officers, directors, employees, and agents, and will pay any damages, costs, expenses and reasonable attorneys’ fees finally awarded by a court or in a settlement, from any third party claim, suit or proceeding brought against them arising from or relating to a claim that the Clearspeed Intellectual Property infringes any United States patent, copyright or other intellectual property right. Should Clearspeed Intellectual Property become, or in Clearspeed’s opinion likely to become, the subject of a claim, then Client will permit Clearspeed, at Clearspeed’s option and expense, to: (a) procure for Client the right to continue using the Service; (b) replace or modify the Service so that the use becomes non-infringing; or, if Clearspeed determines in its sole discretion that neither of these is feasible, (c) terminate the Service and these Terms and refund to Client pro rata any prepaid, unused Fees. Clearspeed shall not have any indemnification obligation with respect to any claim to the extent it arises from modifications by Client or a third party. THE INDEMNIFICATION OBLIGATIONS SET FORTH IN THIS SECTION ARE CLEARSPEED’S SOLE AND EXCLUSIVE OBLIGATIONS, AND CLIENT’S SOLE AND EXCLUSIVE REMEDIES WITH RESPECT TO INFRINGEMENT CLAIMS.

**8.2 Client Indemnification Obligations.** Client will indemnify and defend Clearspeed and its officers, directors, employees and agents and will pay any damages, costs, expenses and reasonable attorneys’ fees finally awarded by a court or in a settlement, against any third party claim, suit or proceeding (including, without limitation, claims by Participants) brought against them arising from or relating to Client’s failure to (a) secure any consent required by applicable law, or (b) use of the results of the Services in violation of applicable law.

**8.3 Procedures.** A party’s indemnification obligations shall be conditioned on the indemnified party: (i) providing prompt written notice of any claim for which indemnification is sought; (ii) provides reasonable assistance (at indemnifying party’s expense) with such claim, (iii) allowing the indemnifying party sole discretion to direct the defense and any negotiations or settlement of such claim as long as it does not require admission of fault or liability by the indemnified party.

**9\. LIMITATION OF LIABILITY** NEITHER PARTY WILL BE LIABLE TO THE OTHER PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES, OR LOST PROFITS HEREUNDER, EVEN IF IT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. EXCEPT IN CONNECTION WITH A PARTY’S INDEMNIFICATION OBLIGATIONS, A PARTY’S MAXIMUM LIABILITY TO THE OTHER PARTY FOR ANY AND ALL DAMAGES ARISING FROM OR RELATING TO THIS AGREEMENT REGARDLESS OF THE FORM OF ACTION WILL BE THE GREATER OF A) ONE HUNDRED AND FIFTY THOUSAND DOLLARS ($150,000) OR B) THE AMOUNTS PAID OR PAYABLE BY CLIENT TO CLEARSPEED IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE INCIDENT CREATING LIABILITY.

**10\. TERM; TERMINATION.** These Terms will remain in effect for the Pilot Period and then will terminate automatically. If Client desires to enter into a commercial relationship with Clearspeed the parties will execute a full Master Services Agreement that will govern Client’s commercial use of the Services. Either party may terminate these Terms by written notice to the other party if the other party materially breaches these Terms and does not cure such breach within 30 days after written notice thereof. If either party makes a general assignment for the benefit of creditors, is adjudicated as bankrupt or insolvent, commences a case under applicable bankruptcy laws, or files a petition seeking reorganization, the other party may terminate the Terms immediately upon written notice. Clearspeed may terminate these Terms at any time upon thirty (30) days’ notice to Client for its convenience. Upon termination, the rights and licenses granted to Client hereunder will terminate immediately. Sections 1 (Definitions), 3 (Client Obligations and Legal Compliance), 4 (Confidentiality), 6 (Ownership), 7.1 (Warranty Disclaimer), 8 (Indemnification), 9 (Limitation of Liability), 10 (Term; Termination), and 11 (Miscellaneous) shall survive any expiration or termination of these Terms.

**11\. MISCELLANEOUS.** These Terms will be governed by and construed in accordance with the laws of the State of California, without giving effect to its conflicts of laws rules and all disputes shall be subject to the exclusive jurisdiction of the courts located in San Francisco, California. Neither party may assign, sublicense, delegate or otherwise transfer its rights or obligations hereunder, without the other party’s prior written consent and any such assignment shall be null and void, except that consent shall not be required in connection with an acquisition, merger or similar transaction. In the event that any provision of these Terms is held to be unenforceable, such provisions will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect and enforceable. All notices hereunder will be in writing via certified mail, return receipt requested, and will be deemed to have been duly given upon (i) personal delivery, (ii) five (5) days after sending, if sent by domestic mail; (iii) seven (7) days after sending, if sent by international mail, (iv) upon delivery if sent with a recognized courier. Non-legal notices may also be sent via email and will be deemed given upon confirmation of receipt from the intended recipient. Neither party will be responsible for any failure to perform or delay in performing any of its obligations under these Terms where and to the extent that such failure or delay results directly or indirectly from an event beyond such party’s reasonable control. The parties are independent contractors under these Terms and nothing herein will constitute either party as the employer, employee, agent or representative of the other party, or both parties as joint ventures or partners for any purpose. Each party shall comply with all applicable export laws and regulations. For purposes of these Terms and to the extent applicable, “commercial computer software” is defined at FAR 2.101. If acquired by or on behalf of a civilian agency, the U.S. Government acquires this commercial computer software and/or commercial computer software documentation and other technical data subject to the terms of the Terms as specified in 48 C.F.R. 12.212 (Computer Software) and 12.211 (Technical Data) of the Federal Acquisition Regulation (“FAR”) and its successors. If acquired by or on behalf of any agency within the Department of Defense (“DOD”), the U.S. Government acquires this commercial computer software and/or commercial computer software documentation subject to the terms of the Terms as specified in 48 C.F.R. 227.7202-3 of the DOD FAR Supplement (“DFARS”) and its successors. This Section is in lieu of, and supersedes, any other FAR, DFARS, or other clause or provision that addresses government rights in computer software or technical data. These Terms constitutes the entire agreement between the parties pertaining to the subject matter hereof. No modification, amendment or waiver of any provision of these Terms will be effective unless in writing and signed by both parties hereto. Any failure to enforce any provision of these Terms will not constitute a waiver thereof or of any other provision. These Terms may be executed in one or more counterparts each of which shall be deemed an original but all of which together will constitute one and the same instrument. Delivery of an executed counterpart of a signature page of these Terms by facsimile or in electronic format (i.e., “pdf” or “jif”) shall be effective as delivery of a manually executed counterpart of these Terms.

## Trustworthiness in Insurance

The Next Multi-Billion-Dollar Variable in the Insurance Industry — Kim Garland · Clearspeed

The author

## An executive lens on how innovation delivers measurable value.

Three decades of leadership across virtually every discipline of an insurance company — and an actuary's eye for what actually moves the combined ratio.

Kim Garland is a distinguished insurance executive and Fellow of the Casualty Actuarial Society. Most recently he served as **President of State Auto Insurance**, guiding its integration into Liberty Mutual, and as Managing Director of State Auto Labs.

Earlier, as **Chief Product Officer for AIG's Global P&C Consumer Division**, he led product, actuarial, underwriting, and analytics for AIG's global personal auto, property, accident, and warranty businesses. As CEO of United Guaranty, he co-led a turnaround during the Great Financial Crisis — from multi-billion-dollar losses to a multi-billion-dollar sale to Arch Capital in 2016. He began his career at GEICO.

As a member of the **Clearspeed Advisory Board**, Garland brings an executive lens to how innovation delivers measurable business value — linking both the models and the market.

Executive summary

## Why trustworthiness matters to the insurance system.

Since credit scoring in the mid-90s, telematics in 1998, there have been no transformational variables introduced into personal lines insurance. After 25 years, that drought is over. Insurers now have a novel, ground-breaking way to determine who, or what, to trust.

≈ $30B

Economic benefit of using trustworthiness as a variable — personal auto alone.

Tens of billions

The cost today, paid by insurers and the trustworthy majority in friction and missed fraud.

Full lifecycle

New business, renewals, claims and billing — one variable, applied at every touchpoint.

Bad actors introduce inaccurate information and fraud into the system. Insurers respond by adding friction and process to catch them. The genuine majority pay for it through higher-friction journeys and higher premiums. With Clearspeed, insurers can now assess the trustworthiness of applicants, claimants, and agents in seconds, at any point in the policyholder lifecycle. This commentary lays out the impact Clearspeed can have across auto insurance lines.

01 — The macro shift

## Trust is eroding, and insurance isn't immune.

Trustworthy systems lower costs and friction. But a quarter-century of grievances is eroding trust broadly. The days of the roadside farm stand running on the honor system are disappearing, and pharmacies now lock up everyday necessities, treating every customer as a potential bad actor.

A half-century decline in national trust

The share of Americans who say most people can be trusted has fallen steadily from 1972 to 2022.

0%10%20%30%40%50%19721985200020102022

Source: Insight Report analysis of the General Social Survey, 2024 · Pew Research Center

Only a fifth trust insurers

Who consider insurers trustworthy, by age group

25%

18–34

22%

35–49

18%

50–64

20%

65+

21%

Total

Source: Geneva Association 2018 Customer Survey (n≈7,000)

#### The rise of soft fraud

Interwoven with declining trust is the rise of soft fraud. And consumers themselves are justifying exaggerated claims because they mistrust insurers.

0%

of Americans believe it's acceptable to inflate an auto claim under certain circumstances. (CAIF / Verisk, 2022)

0%

might pad a claim if they felt their insurer wronged them or was being difficult. (LendingTree)

1 in 5

European consumers would consider exaggerating a claim if treated unfairly. (PwC, 2022)

The industry's response has been understandable: add process and friction, accept that some fraud won't be caught, and raise rates for everyone to cover both. Bit by bit, the US insurance system has evolved into a **non-trustworthy system**, with the genuine majority bearing the cost.

02 — The cost of non-trustworthiness

## Three use cases, one $344B industry.

Using personal auto to illustrate, we size the cost of non-trustworthiness across claims, new business, and renewal underwriting.

#### ① Personal auto claims

Historically, claims follow one of two paths: the **regular process** for the vast majority, and the costly **SIU process** where hard fraud is suspected, or costs are well above norms. Both handle trustworthy and non-trustworthy claimants alike. The regular process is unnecessarily intense for honest claimants and not intense enough for the rest, because there has been no practical way to identify soft fraud.

With Clearspeed, two paths branch to four: high-risk indicators flag potential fraud where there was no SIU flag (~20% of claims), while low-risk indicators expedite claims that previously triggered rigorous follow-up. The result — capture up to **20% more fraud** while moving honest claimants through faster.

0.0Combined ratio points

$0.0BCost per year

Personal auto claims — how the 4.2 points break down

| Clearspeed indicator | Distribution | Loss leakage / claim | CR benefit |
| --- | --- | --- | --- |
| Low risk of soft fraud (no SIU) | 75% | 0% | 0.8% |
| High risk of soft fraud (no SIU) | 20% | 30% | 3.4% |
| SIU-indicated claims | 5% | — | 0% |
| Total | 100% |  | **4.2%** |

**Assumptions:** 20% of claims involve soft fraud; 30% loss leakage per soft-fraud claim; a low-risk indicator drives 10% expense savings; a high-risk indicator on a soft-fraud claim drives a 10% increase in investigation cost. Book: 60% loss, 10% LAE, 26% general expense, 4% profit.

“

> The Clearspeed technology is game-changing in what it can do in the claims validation cycle — validating claims quicker than ever, with a confidence level you've never seen before.

Scott Clayton · Head of Claims Fraud, Zurich

02 — The cost · continued

## ② New business underwriting & pricing

The variables used to underwrite new auto business carry varying accuracy. Over 25 years, insurers pushed variables toward higher accuracy. This was largely through third-party data, but low-accuracy variables remain, driving premium leakage.

HighCredit score · telematics

MediumUndisclosed drivers · accidents & violations

LowOccupation · education

Clearspeed's voice questionnaire helps insurers validate information provided by applicants. It works inside any traditional or digital workflow: undisclosed drivers, rideshare or delivery use, annual mileage, violations, etc. Trustworthy applicants can be accelerated, **reducing spend on costly third-party data**: higher accuracy at lower cost.

0.0New-business CR points

$0.0BCost per year

New business underwriting — Clearspeed outcomes

| Clearspeed process | Distribution | Leakage avoided | CR benefit |
| --- | --- | --- | --- |
| Low risk of misrepresentation | 80% | 0% | 0% |
| High risk of misrepresentation | 15% | 20% | 3% |
| Application rejected | 5% | — | 0% |
| Total | 100% |  | **3%** |

**Assumptions:** ~15% of accepted applications contain inaccurate or misrepresented information; insurers undercharge premium by ~20% on those. The opportunity is recapturing that undercharged premium — e.g. undisclosed drivers or personal vehicles used for ride-share/delivery.

02 — The cost · continued

## ③ Renewal underwriting & pricing

Finding potential fraud at renewal underwriting is an unsolved problem in personal auto. Mostly insurers pull an MVR every three years or are reviewing poor-loss-ratio agents.

- Errors at new business (e.g. an undisclosed driver) are never systematically resolved, so they **persist**.
- Changes over time — mileage, a personal vehicle now used for Uber or DoorDash — are never systematically captured in current rates.

Why does this persist? Insurers aren't bothered because loss ratios historically improve as years-insured increase, and they worry about disturbing a more-profitable renewal book they can't segment. **Mid-term endorsements** create a natural touchpoint where a Clearspeed questionnaire can identify the policies that need re-underwriting.

0.0CR points / two years

$0.0BTwo-year cost ($6.9B/yr)

Renewal underwriting — Clearspeed outcomes

| Clearspeed process | Distribution | Leakage avoided | CR benefit |
| --- | --- | --- | --- |
| No mid-term endorsement during year | 50% | 0% | 0% |
| Endorsement · low need to update | 37.5% | 0% | 0% |
| Endorsement · high need to update | 12.5% | 20% | 2.5% |
| Total | 100% |  | **2.5% / yr** |

**Assumptions:** 50% of renewal policies undergo a mid-term endorsement; ~25% of renewal submissions carry data inaccuracies (persisting plus newly arising); insurers undercharge premium by ~20% on inaccurate renewals.

03 — The mechanism

## How Clearspeed works

Policyholders respond to a short series of yes/no questions via an automated questionnaire embedded in existing workflows. Clearspeed assesses the verbal responses for indicators of risk, and scores them from low-risk to high-risk in near real-time.

The proprietary risk model has been validated in both military and commercial environments, identifying risk based on **vocal characteristics universal to all human beings**. Insurers move trustworthy individuals forward with confidence, while high-risk cases are investigated further.

The evaluation is objective and unbiased. It uses **no historical data and no personal identifiers**, and works regardless of language, gender, race, location, credit score, or age. It triages and flags; it never decides. The organization receives the risk indicator; the individual never sees it.

“

I think that trust definitely gets eroded when customers do everything right, but they're still penalized. The customer did everything right, but the system failed. We need to stop asking customers to adapt to the limitations in our systems and start building systems that adapt to our customers.

Mindy ChenVP of Artificial Intelligence, Mutual of Omaha

04 — Resistance, adoption & adverse selection

## A tale as old as time

The industry always adopts change of this size at scale. Leakage holes close in early-adopter carriers while staying open in laggards. Then, non-trustworthy customers shift from adopters to laggards, so the laggard's added cost equals the adopter's gain. The two effects compound.

Early adopter · advantage

0.0CR points · year 1

Loss and premium-leakage holes close. Over two years the advantage grows to **8.8 points**.

Laggard · penalty

0.0CR points · year 2

Laggards absorb the non-trustworthy customers shed by adopters, inheriting an equal and opposite cost.

Long-term swing

0.0CR points · combined

The gap between adopters and non-adopters. At this size, it is game over for non-adopters. Eventually every carrier adopts, or fails.

05 — The prize

## $30.4 billion a year — and 8.8 combined ratio points

The total opportunity across the personal auto lifecycle. The same impact applies to other lines. Clearspeed is already working across home, life, and workers' compensation.

Personal auto: total opportunity across the lifecycle

| Use case | Annual benefit | Combined ratio impact |
| --- | --- | --- |
| Claims | **$14.5B** | 4.2% |
| New business underwriting | **$2.1B** | 0.6% |
| Renewal business underwriting | **$13.8B** | 4.0% (two years) |
| Total · $344B industry | $30.4B | **8.8%** |

#### The adoption cycle insurers always run

aInitial skepticism and resistance

bA few early adopters emerge

cEarly adopters experiment with how best to operationalize the change

dEarly adopters achieve success and expand use Clearspeed · US today

eSuccess leads other carriers to adopt Clearspeed · UK today

fLaggards' results suffer until they eventually adopt or fail

### Size your opportunity

Interactive

Enter your book size and loss experience to estimate Clearspeed's combined-ratio impact across claims, new business, and renewals — in under a minute.

Auto Savings Calculator

Size Your Savings Opportunity \| Clearspeed

Enter your organization’s details to discover the potential benefits of using Clearspeed to assess risk across your policyholder lifecycle.

## Customer Facts

YOUR PORTFOLIO

Direct Written Premium

$

Target Loss Ratio

%

Target LAE Ratio

%

% of Total Written Premium that is New Business

%

## Fraud Impact Assumptions

DRAG TO ADJUST

Based on your current understanding, please estimate what % of your new business, midterm endorsements, or renewals may contain risk of fraud.

### Claims

What percentage of Claims still have some level of Claims leakage after your current processes are applied?
20.0%

0%20%40%

What percentage of Claims Leakage resulting from soft fraud and hard fraud still exists in your company today?
12.5%

0%12.5%25%

### New Business

What percentage of your New Business applications still have some type of inaccurate information / undetected fraud after your current processes are applied?
20.0%

0%20%40%

What percentage of New Business Premium Leakage results from this inaccurate information / fraud?
12.5%

0%12.5%25%

### Renewal Business

What percentage of your Renewals still have some type of inaccurate information / undetected fraud after your current processes are applied?
20.0%

0%20%40%

What percentage of Renewal Business Premium Leakage results from this inaccurate information / fraud?
12.5%

0%12.5%25%

## Projected Improvements

RESULTS

|  | Level 1Walkaway Only | Level 2Treatment of High & Low Risk | Level 1 & 2Combined Impact |
| --- | --- | --- | --- |
| Reduction in Claims Leakage | $31,250,0002.50 pts | $31,250,0002.50 pts | $62,500,0005.00 pts |
| LAE Savings | $00.00 pts | $00.00 pts | $00.00 pts |
| New Business UW | $10,416,6670.83 pts | $10,416,6670.83 pts | $20,833,3331.67 pts |
| Renewal Business UW | $00.00 pts | $62,500,0005.00 pts | $62,500,0005.00 pts |
| Total Projected Improvement | $41,666,6673.33 pts | $104,166,6678.33 pts | $145,833,33311.67 pts |

**Level 1 (Walkaway Only)** — assumes a 10% applicant walkaway rate when assessed (based on average data across all Clearspeed clients).

**Level 2 (Treatment)** — recovers half the premium impact on half of remaining high-risk policies.

Your results reflect the inputs above. Download a one-page summary to share with your team.

Download results (PDF)

We invite you to book a demo with Clearspeed to see how our technology works, and explore your full return on investment potential.

Book a demo

**Clearspeed**  \|  _Trust. Faster._All projections are illustrative. Confidential.

### Get your results

Enter your work email and we'll generate a one-page PDF summary of your inputs and projected savings.

Work email

Please enter a valid email address.

CancelDownload PDF

We'll use your email to follow up about Clearspeed. No spam.

The recommendation

A carrier can survive inaction for a quarter. It cannot survive inaction forever.

Download PDF

TrustFaster

## Freedom 250 Grand Prix

America 250 Celebration Weekend

The Freedom 250 Grand Prix

# A front-row seat to the fast lane.

Join us for an unforgettable weekend of world-class INDYCAR competition on the streets of the nation's capital. Trust the speed.

Reserve Your Seat

Race Weekend

August 21–23, 2026

Location

Washington, D.C.

A Landmark Racing Event

## Where the tradition of American motorsport meets the streets of the capital.

You're invited to a front-row seat to the fast lane. Experience an unforgettable weekend of world-class INDYCAR racing with AJ Foyt Racing at the inaugural

**Freedom 250 Grand Prix of Washington, D.C.**

This historic event brings the excitement of INDYCAR competition to the streets of the nation's capital as part of the America 250 celebration weekend. Guests enjoy exclusive access to the AJ Foyt Racing team, premium race viewing, and behind-the-scenes experiences throughout the event.

### The Experience

### **Meet-and-greet with team & drivers**

Time with team personnel and drivers up close.

### **Trackside viewing**

Practice, qualifying, and race activities, trackside.

### **Networking with industry leaders**

Connect with partners, special guests, and peers.

### **Premium food & beverage**

Elevated catering and full bar service throughout.

Event Dates — Choose One

## Three days. Pick your front row.

Select your date

in the form below

Day 01

21

### Friday

August 21, 2026

9:00 AM – 1:00 PM

1:00 PM – 5:00 PM

Day 02

22

### Saturday

August 22, 2026

9:00 AM – 1:00 PM

1:00 PM – 5:00 PM

Day 03 · Race Day

23

### Sunday

August 23, 2026

9:00 AM – 12:00 PM

Main Race 1:00 PM

Location

## The streets of Washington, D.C.

INDYCAR comes to the nation's capital for the first time, racing through the heart of the city as part of the America 250 celebration weekend.

Form

## We'd be honored to have you join us for this landmark racing event.

RSVP for the Weekend

## Homeowners Insurance Insights

The Next Multi-Billion-Dollar Variable in the Insurance Industry — Kim Garland · Clearspeed

The author

## An executive lens on how innovation delivers measurable value.

Kim Garland is a distinguished insurance executive and Fellow of the Casualty Actuarial Society. Most recently he served as **President of State Auto Insurance**, guiding its integration into Liberty Mutual, and as Managing Director of State Auto Labs.

Earlier, as **Chief Product Officer for AIG's Global P&C Consumer Division**, he led product, actuarial, underwriting, and analytics for AIG's global personal auto, property, accident, and warranty businesses. As CEO of United Guaranty, he co-led a turnaround during the Great Financial Crisis — from multi-billion-dollar losses to a multi-billion-dollar sale to Arch Capital in 2016. He began his career at GEICO.

As a member of the **Clearspeed Advisory Board**, Garland brings an executive lens to how innovation delivers measurable business value — linking both the models and the market.

Executive summary

## Rate increases in perpetuity are not the answer.

Over the past 30 years, fraud in the insurance system — and the share of non-trustworthy actors within it — has meaningfully increased. To compensate, insurers added controls and friction across the customer journey, then raised rates to absorb the fraud they couldn't identify. The genuine, trustworthy majority bears that cost.

$0B

Annual fraud across U.S. personal-lines insurance.

$0.0B

Homeowners fraud per year — 7.9% of premium.

0.0%

Homeowners' share of the personal-auto market, up from 40.1%.

It is no longer arguable. The U.S. insurance system has evolved into a low-trust system. A system that cannot run indefinitely while the cost of a few overwhelms the many. The standard homeowners market is the first P&C line that will reach its breaking point if the trend continues unabated.

If an insurer could practically separate trustworthy actors from non-trustworthy actors, it could reverse a decades-long trend.

And now it can. With Clearspeed's voice-based risk assessment, insurers can assess trustworthiness in real time — across applicants, claimants, and agents — from new business through renewals to claims. Applied across the lifecycle, we conservatively project the industry can realize **tens of billions in potential savings**, and reverse the slide that is pushing homeowners toward failure.

01 — Why homeowners breaks first

## No longer the “little brother” to auto.

For decades, homeowners insurance was treated as the little brother to personal auto. Current conditions have ended that — homeowners is now a primary concern for carriers, regulators, and policyholders alike.

Market stress is usually framed as either an **affordability** problem (coverage is available but too expensive) or an **availability** problem (coverage isn't broadly offered). The better way to see it is as a single spectrum — from healthy and broadly affordable, to broken and largely unavailable.

Where each line sits on the trust spectrum

From healthy and broadly affordable to broken and largely unavailable

HealthyStrainedCritical

Personal autoStrained, but broadly available

HomeownersBoth an availability & affordability problem

Most healthy · affordable & availableBroken · unaffordable & unavailable

Homeowners has already reached the point where it is **both** an availability problem — in California, Texas, and Florida — and an affordability problem almost everywhere else, at the same time. Auto remains broadly available, with affordability concerns for a meaningful share of insureds. Homeowners keeps sliding right, and unless something big changes the trajectory, it is heading toward breaking.

02 — The cost of non-trustworthiness

## $45 billion in personal lines fraud, every year.

As an industry, we may have grown numb to it — but it is shocking that U.S. personal lines still carry roughly $45 billion in fraud annually. Homeowners isn't the largest line, nor does it hold the largest dollar amount of fraud. What matters is the trajectory and the kind of fraud it invites.

Industry fraud by product line

| Product line | Industry size | Annual fraud | % of premium |
| --- | --- | --- | --- |
| Personal auto | $358.7B | **$31.7B** | 8.8% |
| Homeowners | $172.9B | **$13.7B** | 7.9% |
| Grand total | $531.6B | $45.1B | **8.5%** |

02 — The cost · continued

## Homeowners is closing the gap on auto.

Over six years, the homeowners market grew from 40.1% to 48.2% of the personal-auto market. Macro trends will widen that further: autonomous vehicles will put downward pressure on auto premiums, while coastal building and rising materials and labor costs keep pushing homeowners up.

Direct written premium — personal auto vs. homeowners

Direct written premiums, $B, 2018–2024

Personal auto

Homeowners

$0B$100B$200B$300B$400B2018201920202021202220232024 Home-to-auto ratio: 40.1% → 48.2%

Source: S&P Global Market Intelligence. Direct written premiums, $B.

03 — Where soft fraud hides

## In-home losses are far harder to verify.

Fraud tends to hinge on two questions: _when did the loss happen and what occurred_, and _what are the damages_. For a typical auto claim, both are easier to establish — losses pinpointed to the second, damage contained to the vehicle, cameras and sensors supporting reconstruction. In the home, all three are weaker. That ambiguity is exactly the opening soft fraud exploits, and a ready ecosystem of roofers and contractors stands willing to enable it.

#### Personal auto

Lower ambiguity

- Loss timing pinpointed to the second
- Damage contained to the vehicle
- Cameras & sensor evidence
- Scene reconstruction
- Police reports

#### Homeowners

Higher ambiguity

- Loss timing is often unclear
- Damage can be broad and diffuse
- Limited viable evidence
- Cause is hard to reconstruct
- Contractor collusion
- No way to see inside the home

04 — The mechanism

## A practical, real-time measure of trust.

A short, automated voice questionnaire that drops into existing workflows — objective, language-independent, and built on vocal characteristics universal to all people.

01

#### Ask a short set of questions

Individuals answer a brief series of customized, yes-or-no questions through an automated questionnaire that drops into existing workflows, in any language.

02

#### Assess the voice signal

A risk model, validated in military and commercial settings, classifies responses from low-risk to high-risk using vocal characteristics universal to all people. No historical data or personal identifiers required.

03

#### Route with confidence

Move trustworthy individuals forward on an expedited path; focus investigation on the few flagged as elevated risk. The organization gets a risk indicator in near real-time.

“

> Virtually every commercial transaction has within itself an element of trust… much of the economic backwardness in the world can be explained by the lack of mutual confidence.

Kenneth Arrow · Nobel laureate in Economics

05 — The prize

## Most losses are genuine. The few that aren't, hide.

A homeowners claim has one of five outcomes. Roughly 45% involve some form of soft or hard fraud, with only a portion caught today. Applying the same scrutiny to every claim — risky or not — has consequences: too intense for the trustworthy majority, not intense enough for the rest.

Distribution of homeowners claim outcomes

Roughly 45% of claims involve some form of soft or hard fraud

No fraudGenuine claims55%

Exaggerated / inflatedSoft fraud33%

Contractor collusionSoft fraud5%

Misrepresented cause / dateSoft fraud5%

Fake incidents / lossesHard fraud2%

Applied across the lifecycle, Clearspeed helps insurers expedite high-trust cases, giving trustworthy customers a faster experience, while flagging cases with elevated risk for review. Clearspeed not only validates where suspected, but also captures fraud previously missed. The combined-ratio impact, conservatively modeled across a $173B book:

Claims

0.0 pts

combined-ratio benefit

- **$6.6B** industry savings
- Flags fraud on **+25.8%** of claims previously missed

New business

0.0 pts

combined-ratio benefit

- **$1.3B** industry savings
- **3.7%** premium leakage recovered

Renewals

0.0 pts

combined-ratio benefit

- **$5.8B** industry savings
- **4.2%** premium leakage recovered

Total potential annual savingsAcross claims, new business and renewals

$0.0B/yr

Renewal and mid-term endorsement underwriting is, frankly, the industry's unsolved problem. As one product-line leader for a U.S. home carrier put it: information is bad at new business and immediately goes stale, with little systematic effort to capture how a policy or risk has changed. The leakage hides in the same handful of drivers across new business and renewals:

Premium-leakage drivers — combined-ratio impact

| Inaccuracy | New business | Renewal |
| --- | --- | --- |
| Prior claims not caught by CLUE | 1.5% | 1.0% |
| Fake details about occupancy | 0.8% | 1.2% |
| Undisclosed home business | 0.8% | 1.1% |
| Undisclosed dangerous dog breeds | 0.4% | 0.5% |
| Fake alarm-system discount | 0.3% | 0.3% |
| Total premium leakage | **3.7%** | 4.2% |

Resistance, adoption & adverse selection

## The status quo will not last much longer.

Double-digit rate increases are not sustainable, and they will end one of two ways. Carriers who understand this and move earlier will hold a meaningful advantage.

01 Rate increases get capped

By regulator mandate or policyholder revolt, carriers can no longer raise rates by double digits. That leaves three options: absorb the losses as premiums fall behind claims costs, pull out of the market, or lower the actual cost of claims and operations.

02 Adverse selection begins

An initial set of carriers adopt Clearspeed to identify and shed non-trustworthy actors. That starts a cycle of adverse selection that compounds over time. And with availability pressure from regulators, laggards can't simply raise rates to respond.

Where to start

## Start now.

First, size it. Use the calculator below to get a quick assessment of the impact Clearspeed can have on reducing claims, new business, and renewal underwriting fraud costs in your business.

Then, get moving. Macro insurance trends are slow and evolutionary, which is exactly why they are easy to miss or react to late. Homeowners is moving toward its breaking point and becoming ever more important relative to auto. Insurers who see it and act earlier will have the advantage.

This is not theoretical, and it is not far off. Every quarter the evidence gets more compelling. My recommendation is simple: start now.

### Size your opportunity

Interactive

Enter your book size and loss experience to estimate Clearspeed's combined-ratio impact across claims, new business, and renewals — in under a minute.

Homeowners Savings Calculator

Size Your Savings Opportunity \| Clearspeed

Enter your organization’s details to discover the potential benefits of using Clearspeed to assess risk across your policyholder lifecycle.

## Customer Facts

YOUR PORTFOLIO

Direct Written Premium

$

Target Loss Ratio

%

Target LAE Ratio

%

% of Total Written Premium that is New Business

%

## Fraud Impact Assumptions

DRAG TO ADJUST

Based on your current understanding, please estimate what % of your new business, midterm endorsements, or renewals may contain risk of fraud.

### Claims

What percentage of Claims still have some level of Claims leakage after your current processes are applied?
20.0%

0%20%40%

What percentage of Claims Leakage resulting from soft fraud and hard fraud still exists in your company today?
12.5%

0%12.5%25%

### New Business

What percentage of your New Business applications still have some type of inaccurate information / undetected fraud after your current processes are applied?
20.0%

0%20%40%

What percentage of New Business Premium Leakage results from this inaccurate information / fraud?
12.5%

0%12.5%25%

### Renewal Business

What percentage of your Renewals still have some type of inaccurate information / undetected fraud after your current processes are applied?
20.0%

0%20%40%

What percentage of Renewal Business Premium Leakage results from this inaccurate information / fraud?
12.5%

0%12.5%25%

## Projected Improvements

RESULTS

|  | Level 1Walkaway Only | Level 2Treatment of High & Low Risk | Level 1 & 2Combined Impact |
| --- | --- | --- | --- |
| Reduction in Claims Leakage | $12,500,0002.50 pts | $12,500,0002.50 pts | $25,000,0005.00 pts |
| LAE Savings | $00.00 pts | $00.00 pts | $00.00 pts |
| New Business UW | $4,166,6670.83 pts | $4,166,6670.83 pts | $8,333,3331.67 pts |
| Renewal Business UW | $00.00 pts | $25,000,0005.00 pts | $25,000,0005.00 pts |
| Total Projected Improvement | $16,666,6673.33 pts | $41,666,6678.33 pts | $58,333,33311.67 pts |

**Level 1 (Walkaway Only)** — assumes a 10% applicant walkaway rate when assessed (based on average data across all Clearspeed clients).

**Level 2 (Treatment)** — recovers half the premium impact on half of remaining high-risk policies.

Your results reflect the inputs above. Download a one-page summary to share with your team.

Download results (PDF)

We invite you to book a demo with Clearspeed to see how our technology works, and explore your full return on investment potential.

Book a demo

**Clearspeed**  \|  _Trust. Faster._All projections are illustrative. Confidential.

### Get your results

Enter your work email and we'll generate a one-page PDF summary of your inputs and projected savings.

Work email

Please enter a valid email address.

CancelDownload PDF

We'll use your email to follow up about Clearspeed. No spam.

The recommendation

The slide toward breaking is reversible — for the carriers that move first.

Download PDF

TrustFaster

## Clearspeed TrustFaster Summit

+

# Trust is the fastest way to move forward.

Join Clearspeed at ITC Vegas for our third annual TrustFaster Summit — a focused morning on leadership, risk, and the relationships that move decisions faster.

Insurers only. Non-insurers will be waitlisted.

Tuesday, September 29, 2026

8:15 AM – 11:30 AM

Mandalay Bay Resort & Casino · Las Vegas, Nevada

Reserve your seat

## Clearspeed TrustFaster Summit      Why TrustFaster?      Because the insurers who move first — who extend trust at the speed AI now demands — are the ones who will define this next era of the industry. AI is compressing decision cycles, reshaping customer expectations, and opening entirely new ways to grow, serve, and compete. The question isn't whether to keep pace; it's who's bold enough to move first and build the advantage that comes with it.     The Clearspeed TrustFaster Summit is where we explore what that advantage looks like — how a real-time trust layer turns speed into a strategic edge, not just a safeguard.     Join us to see why the winners of the AI era won't just be faster. They'll trust faster, too.

Tuesday · Sep 29

## One morning, start to finish

Tuesday, September 29, 2026 · 8:15 AM – 11:30 AM · Mandalay Bay Resort & Casino

Stay tuned for updates to our agenda and amazing speakers.

The trust mandate: aligning strategy, culture & customer outcomes

Alex Martin · Co-Founder & CEO, Clearspeed

The intelligent trust layer: Frontier tech for frontier firms

Sabine VanderLinden · Co-Founder, CEO & Venture-Client Partner, Alchemy Crew Ventures

Client panel - The trust imperative: building enduring relationships through trust

A candid conversation with the operators who live it: how trust, established early, compounds into faster decisions and relationships that last.

Building trust through transformational leadership

Guest speaker

### Fuel your morning!

**Professional pancake art**

Kick off your summit experience with a morning that is as inspiring as it is delicious. A unique breakfast experience featuring live, professional pancake artists! Watch your favorite designs, portraits, and custom creations come to life on the griddle using 100% edible batter. It’s the perfect blend of culinary creativity, entertainment, and networking — guaranteed to bring plenty of energy, laughter, and great conversation to your morning. Grab a plate, marvel at the artistry, and fuel up for an incredible day ahead!

### Wooden Element

**Wood and resin products giveaway**

Wooden Element is an eco-friendly accessory brand known for its minimalist wallets, sunglasses, and jewelry. Their products feature ethically sourced FSC-certified woods and biodegradable materials. Take home a handcrafted product that gives back to underprivileged children and young adults.

Fuel your morning!

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text="Agenda · Tue · Sep 29"

Agenda · Tue · Sep 29

## One morning, start to finish

Tuesday, September 29, 2026 · 8:15 AM – 11:30 AM · Mandalay Bay Resort & Casino

Breakfast

### Breakfast available

Doors open. Coffee, breakfast, and a Clearspeed video loop to start the morning.

Talk

### Opening film, welcome & agenda

Sarah Terrelonge

SMO, Clearspeed

Talk

### The Trust Mandate: aligning strategy, culture & customer outcomes

Why trust is the through-line of every high-stakes decision — and a welcome to General Petraeus.

Alex Martin

Co-Founder & CEO, Clearspeed

Keynote

### Session title to be confirmed

To be confirmed

A leadership conversation on building trust at scale, under pressure, when the stakes are highest.

Speaker to be announced

Featured keynote

Panel

### The Trust Imperative: building enduring relationships through trust

A client panel on how trust compounds into faster decisions, better outcomes, and lasting relationships.

Client panel

Moderated discussion

Talk

### The intelligent trust layer

Where voice-based risk assessment fits in the modern insurance stack — and where it goes next.

Sabine VanderLinden

Insurtech leader

Talk

### Close & call to action

Closing thoughts and the one thing to carry forward. Trust, Faster.

Alex Martin

Co-Founder & CEO, Clearspeed

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Reserve your seat at the Clearspeed TrustFaster Summit

## Seats are limited. Save yours.

Tuesday, September 29, 2026

8:15 AM – 11:30 AM

Mandalay Bay Resort & Casino

Insurers only. Non-insurers will be waitlisted.

Form Skip to form

First Name\*

Last Name\*

Email\*

Company Name\*

Job Title\*

Submit

**Three days of innovation.**

Beyond the Summit, the Clearspeed team is on the floor for all of ITC Vegas. 

Stop by our booth or schedule a dedicated meeting with our team to see how Clearspeed helps leading insurers make smarter decisions, faster — without adding friction to the customer experience _._

Book a meeting

Booth

**#2325**

Expo Hall · Mandalay Bay

Expo dates

September 30 – October 1, 2026

ITC Vegas 2026

Stop by for

A live walk-through demo

See voice-based risk assessment in action

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Clearspeed Gives Back

## We leave every community stronger

Clearspeed Gives Back launched in May 2023 to leave every community we visit a little stronger than we found it. At each major event, our team and our guests build kits for people who need them.

Every year at ITC, we take a break from the conference floor to give back to those in need. This year, we are working with US Vets of Las Vegas Community.

When

**Tuesday**

11:00am-2:00pm

**Wednesday**

11:00am-3:00pm

**Thursday**

11:00-2:00pm

Where

Location to be announced

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## See you in Vegas.

One morning to move trust forward — and the rest of ITC to keep it going.

Reserve your seat

## Clearspeed Sitemap

# Sitemap

### Home

- Homepage

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## Risk Type

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## ClearSpeed Terms of Service

# CLEARSPEED TERMS OF SERVICE

**Last Updated: June 2026**

THESE CLEARSPEED TERMS OF SERVICE (“ **TERMS**“) ARE A LEGAL AGREEMENT BETWEEN **CLEARSPEED INC.**(“ **CLEARSPEED**“), A DELAWARE CORPORATION HAVING OFFICES AT 555 WEST BEECH ST, SUITE 502, SAN DIEGO, CA 92101, AND THE ENTITY THAT HAS PURCHASED AND/OR LICENSED FROM CLEARSPEED THE PRODUCTS, SERVICES AND SOFTWARE (“ **CLIENT**”) EITHER DIRECTLY OR FROM AN AUTHORIZED RESELLER OF CLEARSPEED PRODUCTS (“ **AUTHORIZED RESELLER**”); EACH A “ **PARTY**” AND COLLECTIVELY THE “ **PARTIES**.”  BY EXECUTING AN ORDER FORM THAT INCLUDES THESE TERMS BY REFERENCE OR USING THE CLEARSPEED SERVICES AND/OR SOFTWARE (AS EACH IS DEFINED BELOW), CLIENT ACKNOWLEDGES THAT CLIENT HAS REVIEWED, UNDERSTOOD, ACCEPTS AND WILL BE BOUND BY THESE TERMS.  IF YOU ARE AGREEING TO THESE TERMS AS A REPRESENTATIVE OF AN ENTITY, YOU REPRESENT THAT YOU HAVE THE AUTHORITY TO BIND THAT ENTITY AND THE TERM “CLIENT” REFERS TO THAT ENTITY.

CLIENT’S ACCESS TO AND/OR USE OF THE SERVICES AND/OR SOFTWARE (AS EACH IS DEFINED BELOW) IS CONDITIONED ON ITS ACCEPTANCE OF AND COMPLIANCE WITH THESE TERMS. IF CLIENT DOES NOT AGREE WITH ALL OF THESE TERMS, CLIENT IS EXPRESSLY PROHIBITED FROM USING THE SERVICE AND/OR SOFTWARE AND, IF APPLICABLE, MUST DISCONTINUE SUCH USE IMMEDIATELY. CLEARSPEED RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO MAKE CHANGES OR MODIFICATIONS TO THESE TERMS AT ANY TIME AND FOR ANY REASON. CLEARSPEED WILL ALERT CLIENT ABOUT ANY SUCH CHANGES BY UPDATING THE “LAST UPDATED” DATE OF THESE TERMS ABOVE. CLIENT WAIVES ANY RIGHT TO RECEIVE SPECIFIC NOTICE OF EACH SUCH CHANGE, AND CLIENT AGREES THAT IT IS ITS RESPONSIBILITY TO PERIODICALLY REVIEW THESE TERMS TO STAY INFORMED OF UPDATES. CLIENT WILL BE SUBJECT TO, AND WILL BE DEEMED TO HAVE BEEN MADE AWARE OF AND TO HAVE ACCEPTED, THE CHANGES IN ANY REVISED TERMS BY ITS CONTINUED USE OF THE SERVICES AND/OR SOFTWARE (AS EACH IS DEFINED BELOW) AFTER THE DATE SUCH REVISED TERMS ARE POSTED.

In consideration of the mutual covenants and promises contained herein and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties agree as follows:

**1.DEFINITIONS. Capitalized terms used in these Terms shall have the meaning assigned to them as set forth below.**

**“Call”** means the instance of a Questionnaire that is responded to, in whole or in part, by a Participant, either by telephone or by any and all other methods made available by Clearspeed.

**“Call Data”** subject to the definition of Client Data, means the data collected by Clearspeed during a Call, including the analog and digital recordings of a Participant’s vocal responses (generally limited to “yes” or “no” responses) during the course of a Call.

**“Call Quantity”** means the number of Calls permitted under these Terms as specifically set forth on a respective Order Form.

**“Call Results”** means the ultimate assessment and/or analysis of Call Data Clearspeed provides Client with respect to any specific Participant response (e.g. identifying the response as low, potential, average, or high risk) to any Questionnaire question. For the avoidance of doubt, the process by which Clearspeed analyzes and/or assesses the Call Data shall not be part of the definition of Call Results.

**“Clearspeed Intellectual Property”** means title to and ownership of (a) all copies of the Software whether in machine-readable (source, object code or other form) or printed form, and all related, technical know-how and all rights herein (including, without limitation, all Intellectual Property Rights applicable thereto an in all derivative works by whomever produced), (b) any and all of Clearspeed’s proprietary technology relating to the Services, including, without limitation, any software underlying the Service, any Clearspeed Questionnaire(s) administered as part of the Service, the technologies used to implement the Service, (c) the process by which Clearspeed analyzes and/or assesses the Call Data, (d) any know-how, technique, algorithm, process (whether AI-assisted or otherwise) or other Clearspeed Intellectual Property Rights owned and used by Clearspeed to provide the Call Results, and (d) any learning and subsequent modifications to any Clearspeed software (or any underlying algorithms) or services resulting from any Client feedback or Suggestions (as defined below).

**“Clearspeed Processes”** means any know-how, technique, algorithm, process (whether AI-assisted or otherwise) use by Clearspeed to provide Call Results.

**“Client Data”** as between Clearspeed and Client, means any data (a) Client inputs into the Clearspeed web portal utilizing the Software, and any Client Personal Data (as such term is defined in the Data Processing Addendum) about Participants that Client provides or Clearspeed learns in the course of providing the Service, (b) Personal Data such as the Participant’s phone number, email address, reference number, the analog and digital recordings of a Participant’s vocal responses (generally limited to “yes” or “no” responses) made during the course of a Call, and (c) the digital, mathematical representation of a Participant’s unique biological characteristics to the extent such representations fall under the definition of Client Personal Data. Notwithstanding the foregoing, the process by which Clearspeed analyzes and/or assesses the Call Data shall not be part of the definition of Client Data, and the definition of Client Data expressly excludes any of the know-how, technique, algorithm, process (whether AI-assisted or otherwise) or other Clearspeed Intellectual Property Rights owned and used by Clearspeed to provide the Call Results.

**“Client Obligations”** means the required conditions and obligations of Client as set forth in Section 3 below and as further described on any and all applicable Order Forms.

**“Confidential Information”** means all non-public information disclosed by a party to the other party which (a) is marked as “Confidential” or with a comparable legend if disclosed in written, graphic, machine readable or other tangible form, or (b) which should reasonably in good faith be treated as confidential or proprietary based on the nature of the information or the circumstance surrounding its disclosure. Confidential Information does not include information which: (i) is generally known or publicly available, or which, hereafter through no act or failure to act on the part of recipient, becomes generally known or available; (ii) is rightfully known to recipient at the time of receiving such information; (iii) is furnished to recipient by a third party without restriction on disclosure; or (iv) is independently developed by recipient without having relied on the Confidential Information of the disclosing party.

**“Deliverables”** means any work or services (including, without limitation, implementation services) as set forth on a respective Statement of Work provided by Clearspeed to Client in connection with performing the Professional Services.

**“Documentation”** means any documentation related to the Service and/or Software made available to Client by Clearspeed.

**“Fees”** means the fees, use fees and any other fees that Clearspeed or an Authorized Reseller charges Client for the licenses and Services as set forth on the applicable Order Form.

**“Intellectual Property Rights”** means any intellectual property rights, including know-how, patents, utility models, rights in designs, copyrights, moral rights, database rights, trade name, and rights of confidentiality, trade secrets or proprietary information, in all cases whether or not registered or registrable in any country, and including the right to apply for the same and all rights and forms of protection of a similar nature or having equivalent or similar effect to any of these anywhere in the world from time to time.

**“Order Form”** means an ordering document or online order specifying the Services or Professional Services to be provided hereunder that is entered into between Client and Clearspeed or an Authorized Reseller.

**“Participant”** means a person designated by Client to participate in a Call.

**“Pre-Existing Intellectual Property”** means any content that was developed by Clearspeed prior to rendering any Professional Services under these Terms.

**“Professional Services”** means, collectively, packaged consulting, implementation, and/or training services made generally available by Clearspeed for purchase by Client in accordance with its standard policies and governed by either a separate final agreement executed by and between the parties or a Statement of Work.

**“Questionnaire”** means a set of pertinent questions that are asked on a Call whether based on existing templates or designed pursuant to Client’s specifications.

**“Service” or “Services”** means the products and services that are ordered by Client pursuant to an Order Form or online, and made available online or offline by Clearspeed (including, without limitation, the ability for a Participant to respond to a Questionnaire in the manner mutually agreed upon by both parties pursuant to the terms of these Terms) identifying security and fraud risks. The exclusive purpose of any Call(s) and subsequent Call Results is identifying potential security and/or fraud risk, and as such, expressly should not be used for the purpose of rendering a diagnostic opinion regarding the honesty or dishonesty of an individual.

**“Software”** means the generally available, commercially-licensed software, in binary form including all updates thereto (whether a major or minor release of the Software, or a fix of patch thereto, that Clearspeed may make available to Client) including, without limitation, via any website, app, or web portal, and the Documentation Clearspeed delivers or Client has been granted access to hereunder including any and all software underlying any features of the Service, and any websites and apps utilized in conjunction with the Service.

**“Statement of Work”** or **“SOW”** means the specific commitments and obligations of Clearspeed and Client in connection with providing Professional Service either as set forth on an attachment to an Order Form or as an independent document exchanged between the parties. For the avoidance of doubt, the SOW will become part of and shall be governed by these Terms, and the additional terms on an Order Form, if any, solely upon the execution of the SOW by both Clearspeed and Client.

**“Subscription Term”** means the specified time period set forth on each Order Form and referred to as Subscription Term  during which (a) Client shall be able to make Calls available for its Participants via the Services, and (b) the applicable Software licenses are valid, as specified on a respective Order Form effective date. The initial term set forth in the Order Form together with any renewal term is collectively referred to as the Subscription Term.

**“Support Services”** means, solely the support services made generally available by Clearspeed to Client, attached as Exhibit A and incorporated into these Terms by reference, allowing Client to use the Services pursuant to a respective Order Form. For the avoidance of doubt, Support Services do not include any consulting and/or Professional Services.

**2.SERVICE SCOPE, SOFTWARE LICENSE, AND RESTRICTIONS**

**2.1Performance of Service.** Subject to compliance with these Terms, Clearspeed will perform the Services, purchased by Client as set forth on a respective Order Form. Unless the parties agree otherwise, the purchased number of Calls conducted shall be the Call Quantity on each Order Form and all such Calls shall only be eligible to be conducted during the Subscription Term shown on each Order Form. Client acknowledges that Clearspeed’s performance depends on Client fulfilling any and all Client Obligations as set forth in Section 3 below and further described on any respective Order Form, as applicable. Client further acknowledges that any delays caused by Client failing to fulfill the Client Obligations may result in delays of Clearspeed’s performance. Clearspeed grants to Client a limited, non-exclusive, non-transferable (except as permitted herein), non-sublicensable (except as permitted herein) right during the Subscription Term hereof to (a) access and use the Services on behalf of Client’s internal, business purposes; and (b) use and access the Documentation in support of the foregoing. In the event that the number of Calls actually made exceeds the allowable Call Quantity reflected on a respective Order Form (“Call Overages”), Client shall either (i) request and pay for such Call Overage via an additional Order Form or, if no such Order Form for Call Overages is executed and subsequently paid for by Client in a timely manner, (ii) any actual Call Overages shall be deemed an Order Form for the number of Calls constituting the total Call Overages. For the avoidance of doubt, any and all Fees and or amounts payable to Clearspeed or an Authorized Reseller with respect to any and all Call Overages shall be agreed upon between the parties on the respective Order Form addressing such Call Overages or, if deemed an Order Form pursuant to the terms of this section, shall be determined in Clearspeed’s sole discretion in a commercially reasonable manner.

**2.2Subscription Rights to Use.** During the applicable Subscription Term, subject to conditions in Section 3 (Client Obligations)  below and payment of any applicable license Fees, Clearspeed grants to Client a world-wide, non-exclusive and non-transferable license to permit Client to access and use the Software (including, without limitation, access via any website, app, or web portal) to aid in managing the development of the Questionnaire, Call responses, and tracking Participant information. For the avoidance of doubt, Client’s access to any Clearspeed web portals or apps shall only be valid for a respective Subscription Term and any renewals thereof.

**2.3Routine Testing.** Provided Client obtains prior written consent from Clearspeed, Clearspeed grants Client the right to conduct routine testing of the Clearspeed Services solely for the purpose of (a) ensuring the overall quality of interviews, (b) determining which specific language should be used during the interview process, (c) testing the quality of telephone lines or web-based connections used to conduct interviews, and (d) conduct testing for other similar purposes associated with determining overall interview quality. In order to obtain Clearspeed’s approval to conduct such routine testing, Client must submit a written request to Clearspeed (i) informing Clearspeed of its intention to conduct such routine testing of the Clearspeed Services; (ii) defining the purpose of such routine testing; (iii) stating the exact dates such testing will occur (provided no such testing period shall exceed five (5) business days). Clearspeed retains the right, in its sole discretion, to deny or place any restrictions it deems necessary on any such routine testing requests, and Clearspeed shall not be obligated to provide any reports or results during the agreed-upon testing period (if any).

**2.4Recording.** Client shall inform Clearspeed in writing if Client will record any Calls as part of the implementation of Clearspeed’s Services. For avoidance of doubt, failure to do so will be considered a material breach f these Terms.

**2.5Restrictions.** Client shall not, directly or indirectly: (a) use the Services except as permitted hereunder, (b) sublicense, resell, rent, lease, decompile, disassemble, reverse engineer, or in any way derive source code from the Software or any Clearspeed Intellectual Property, distribute or otherwise transfer rights or usage in the Software or any Clearspeed Intellectual Property, (c) host, sell, resell, rent, exploit or lease the Software or Services or provide the Software or Services on a timesharing, service bureau, service provider or other similar basis, (d) subject to section 2.4, either directly, indirectly or through collaboration with third parties, conduct or engage in in any type of scientific, technical, academic or other type of foundational, comparative, correlational, applied, field or developmental research, assessment or evaluation of the Clearspeed Software, Services, Call Results, or Clearspeed Processes, (e) write, publish or distribute any documentation, or attempt to obtain funding of any sort related to Subsection 2.6(d), (f) engage in or attempt to in any manner defeat the Clearspeed Services for any purpose whatsoever, (g) remove or alter any copyright, trademark or proprietary notice in the Software, Clearspeed Intellectual Property or Documentation, (h) enable access to the Services by any third party except as otherwise provided in these Terms or with the prior written consent of Clearspeed, (i) use the Services to access, alter or destroy any information of other contractors or customers of Clearspeed, (j) use the Call Data and/or Call Results to train any artificial intelligence models or to create a service or technology similar to the Clearspeed software and/or Services, or (k) use the Services to (i) introduce any virus or other malware into Clearspeed’s systems or (ii) circumvent or modify any security technologies included as part of the Services. In connection with a violation of the foregoing, Clearspeed may suspend usage of the Services, without notice, pending any investigation of misuse. However, Clearspeed shall provide Client with notice of suspension as soon as reasonably practicable, provided that Clearspeed's security team has determined that such notice shall not cause any delay or interfere with its investigation or cause any damage or harm to Clearspeed’s systems, or delivery of Services.

**2.6Third Party Software, Hardware and Services.** The Services may require the use of software, hardware, equipment or ancillary services provided by third parties (“Third Party Materials”). If an Order Form or an SOW specifies that Clearspeed will supply the Third-Party Materials then, unless agreed to otherwise by the parties on a respective Order Form or otherwise, Clearspeed assumes the responsibility for their performance and for compliance with any restrictions associated with such Third-Party Materials, except in connection with intentional or negligent acts or omissions of Client or its agents. If Client provides Third Party Materials, Client assumes the responsibility for their performance, for ensuring that such Third Party Materials are adequate for the proper operation of the Services, and for compliance with any restrictions associated with such Third Party Materials, except in connection with intentional or negligent acts or omissions of Clearspeed or any of its agents. If Clearspeed provides hardware or equipment to Client pursuant to an Order Form, Client shall return all such items in the same condition as provided, except for normal wear and tear, and shall be responsible for the full replacement cost of any damaged hardware or equipment.

**3.CLIENT OBLIGATIONS**

**3.1Client Obligations.** Client shall (a) not use the Software in breach of the terms and conditions of Section 2 (Service Scope, Software License and Restrictions), (b) subject to Section 3.3 below, be solely responsible for obtaining proper and lawful consent from Participants to participate in a Call, (c) for the proper functionality of the Service, ensure that Participants only use natural human voices rather than any type of recorded, or any other form of altered, synthetic or computer-generated voice recordings and/or simulations, (d) use the Software and Service (including, without limitation, the content and use of any Questionnaires) in accordance with applicable laws, rules, regulations and the Documentation, (e) not use the Software or Service in a libelous, infringing, or otherwise unlawful, illegal or tortious manner, (f) promptly notify Clearspeed of any unauthorized use of, or access to, the Software or Service of which it becomes aware, (g) comply with any and all applicable laws including, without limitation, privacy and employment laws, when utilizing the results of the Service, Call Data, and/or Call Results, or Software, and (h) provide Clearspeed with any and all data Clearspeed needs in order to provide the Service, Support Services, or allow Client to access the Software pursuant to the terms of these Terms (e.g. individual Participant reference number, Client point of contact information, approximate number of Participants, nearest city in order for Clearspeed to establish telephone number(s) Participants can use to participate in the Calls, and Participant emails if Client chooses to utilize certain Service features, use case information to craft the Questionnaire, etc.).

**3.2Login Credentials.** Client shall create a user account, including a user name and password or other login credentials (“Login Credentials”), and shall be responsible for maintaining the confidentiality and security of the Login Credentials and all activity in each user account by itself and its agents. Client is responsible for any access or use of the Software via the Login Credentials, including acts or omissions of each individual that Client permits to use the Software. Clearspeed shall have no liability if a security breach is caused by Client’s failure to employ industry-standard security and access control practices.

**3.3Obtain Proper Participant Consent.** Client is solely responsible for obtaining proper and lawful consent from each and every Participant to engage, participate, and have their responses recorded as part of responding to the Questionnaire. Specifically, Client must provide each Participant with requisite information to make such consent valid, and must do so in the lawful format (including, without limitation, oral, written, or both, etc.) Client also acknowledges that Client is responsible for making sure Questionnaires are responded to in a manner allowing Clearspeed to perform the Service (for example, Client must ensure Participants are in a location where Clearspeed can gather Call Data). Client will promptly work with Clearspeed upon resolving any issues with obtaining Call Data due to Participant-related issues.

**3.4Proper Use and Utilization of Call Data and Call Results.** Client understands and acknowledges that (a) the Service does not draw any conclusion about a Participant and is not predictive of future behavior, and (b) the sole purpose of the Service is to identify security and fraud risk allowing Client to allocate further resources associated with any identified risk, and/or follow up with a respective Participant if Client so chooses. For the avoidance of doubt, Client acknowledges that it shall use the Call Results and/or any Call Data as a tool to provide Client with guidance and as merely one factor, among others, on a specific risk-assessment issue that Client may use in making any final decisions. A Questionnaire assesses risk relating only to the specific issues raised by the Call questions, and only as of the date on which the Call is administered. The Client is solely responsible for interpreting the Call Results, and shall determine the appropriate consideration that any such Call Result should be given in making any decision. Client shall be responsible for obtaining and complying with any and all applicable laws, rules, and regulations with respect to any decision it chooses to make based on the Call Results and/or any Call Data.

**3.5Claims.** Client agrees to indemnify Clearspeed against any damages finally awarded against Clearspeed, including reasonable attorney’s fees, by a court or in a settlement, incurred in connection with a third-party claim (including, without limitation, those brought by any Participant) arising from or relating to a breach by Client of any of its obligations in this section 3 or Client warranties set forth in Section 9.5 of these Terms.

**4.SUPPORT**

**4.1Support Services.** Unless agreed to otherwise on an applicable Order Form, during the Subscription Term, Clearspeed shall provide Client with its standard Support Services. Client hereby acknowledges, permits, and hereby grants Clearspeed the right to collect, compile and use the requisite Client Data and Call Results in order to (a) allow Clearspeed to perform Support Services, and (b) to create generalized aggregated and anonymized reports; provided, however, that such use will not in any manner identify the Client or Participants (unless written permission to identify such parties is otherwise provided).

**4.2Suggestions and Feedback.** Client is not obligated to provide Clearspeed with any suggestions, enhancements, recommendations, or other feedback including, without limitation, (a) feedback about the validity of the Call Data and/or Call Results, and (b)  the results of its further follow on investigation (whether itself or through a third party) based on a respective Call Result, and whether such further investigation confirmed or conflicted with such Call Result (collectively, “Suggestions”). To the extent Client does provide Clearspeed with any Suggestions, Client hereby grants to Clearspeed a royalty-free, worldwide, transferable, sublicensable, irrevocable, right and license to use, copy, modify and distribute, without attribution, including by incorporating into any software or service owned by Clearspeed any Suggestions provided by Client relating to any such software or service owned or offered by Clearspeed.

**5.PROFESSIONAL SERVICES**

**5.1Professional Services.** Client may purchase Professional Services by executing an Order Form for such Professional Services with Clearspeed. In the event Client executes an Order Form for Clearspeed Professional Services or otherwise accesses such service, such activity shall be exclusively governed by such Order Form and the applicable SOW executed by and between the parties. Client shall have the right to terminate an SOW for convenience by providing Clearspeed with fifteen (15) days’ prior written notice.

**5.2Pre-Existing Intellectual Property.** Clearspeed or its licensors retain ownership of any Pre-Existing Intellectual Property including, without limitation, any Pre-Existing Intellectual Property used in the delivery and/or performance of any Professional Services.

**5.3Professional Services Deliverables.** The specific services to be delivered shall be set forth on a respective SOW and the Fees shall be set forth on an associated Order Form. Notwithstanding the foregoing, the date of delivery of each Deliverable set forth on an SOW is meant to serve as an estimate and the final delivery date(s) may vary significantly as the parties start pursuing the specific project set forth on such SOW. Further, Client acknowledges that many delivery dates are either solely or in large part based on Client meeting its obligation to provide Clearspeed with certain information or complete specific tasks. Clearspeed shall make a reasonable effort to provide each Deliverable within its stated time frame, but shall not be liable for missing any Deliverable delivery date set forth on an SOW including due to Client’s failure to provide the items and/or information Clearspeed needs to move forward.

**5.4Acceptance of Professional Services Deliverables.** Unless the parties agree to otherwise in a respective SOW, Client will have thirty (30) calendar days (“Test Period”) following receipt of each Deliverable to review such Deliverable for conformance to Client’s applicable specifications (“Specifications”).  If Client determines that a Deliverable is not in material conformance with the Specifications, it will so notify Clearspeed and specify the non-conformance in reasonable detail (“Review Notice”).  If a Review Notice is sent, Clearspeed will have ten (10) business days following receipt of such Review Notice to remedy the identified non-conformance and resubmit the Deliverable for subsequent review. If Client determines that the Deliverable still does not conform to the Specifications, Client may either: (i) extend the Test Period so that Clearspeed may remedy the defects and Client can retest the Deliverable in accordance with the procedure set forth above; or (ii) terminate the Statement of Work.  If Client elects to terminate the Statement of Work, the parties will work together to negotiate an appropriate reduction of any associated Fees, if any, that were paid by Client pursuant to a respective Order Form.

**6.FEES AND PAYMENT**

**6.1Payment and Fees for Direct Purchases.** Clearspeed will invoice Client in advance and in accordance with the applicable Order Form. Unless otherwise stated in an Order Form, invoiced charges will be paid no more than thirty (30) days after the invoice date on each respective invoice. Invoices may be sent electronically at Clearspeed’s discretion. Except as otherwise specified herein or in an Order Form, (a) Fees are quoted and payable in United States Dollars, (b) Fees are based on the quantity of Calls actually purchased pursuant to the Order Form and not actual Calls conducted, and (c) payment obligations are non-cancelable and Fees paid are non-refundable. Client’s failure to pay any undisputed Fees when due is a material breach of these Terms. In the event of such material breach Clearspeed may, in its sole discretion, 1) suspend Client’s access to the Software and/or Services for failure to pay any Fees when due after thirty (30) days’ notice of such failure, and Client will continue to be charged all applicable Fees for the Software and Services during any period of suspension; or 2) terminate these Terms effective immediately. Upon termination for non-payment, all amounts due for the entire Subscription Term of each Order Form will become due and payable. Without limitation of its other rights, any Fees not paid when due will accrue interest at the rate of 12% per annum (or 1.0% per month), or the maximum rate permitted by law, whichever is lower.

**6.2Payment and Fees for Reseller Purchases.** In the event the Software licenses and Services are purchased hereunder through an Authorized Reseller, Client’s obligation to pay any and all Fees shall be as described in a separate agreement to pay such Authorized Reseller.  Client acknowledges, that in addition to all other remedies under the law, the Authorized Reseller may be entitled to terminate the performance of any Services and any and all licenses granted hereunder for a breach of such separate agreement with Client (e.g. a failure to pay for the performance of such Services and/or licenses).

**6.3Taxes.** Unless otherwise stated in the Order Form, Fees and pricing do not include any taxes, levies, duties or similar governmental assessments of any nature, including but not limited to value-added, sales, use or withholding taxes, assessable by any local, state, provincial, federal or foreign jurisdiction (collectively, “Taxes”). Client is responsible for paying all Taxes associated with these Terms. If Clearspeed has the legal obligation to pay or collect Taxes for which Client is responsible under this section, the appropriate amount will be invoiced to and paid by Client, unless Client provides Clearspeed with a valid tax exemption certificate authorized by the appropriate taxing authority. For clarity, Clearspeed is solely responsible for taxes assessable against it based on Clearspeed’s income, property and employees.

**7.CONFIDENTIALITY** Neither party will: (a) disclose the other party’s Confidential Information to a third party or (b) use the Confidential Information for any purpose other than as indicated in these Terms without the disclosing party’s prior written approval. The receiving party agrees to notify the disclosing party promptly of any unauthorized disclosure of Confidential Information and to assist the disclosing party in remedying any such unauthorized disclosure. Except as set forth herein, each party will protect the other party’s Confidential Information with at least the same degree of care and confidentiality, but not less than a reasonable standard of care, which the party uses to protect its own information of similar character. All Confidential Information disclosed hereunder will remain the sole property of the disclosing party and the receiving party will have no interest in or rights with respect thereto except as expressly set forth in these Terms. Confidential Information does not include data or information which (i) is or comes into the public domain, except through the fault of the receiving party; (ii) is or becomes known to the receiving party from a third party without an obligation of confidentiality; or (iii) is developed by the receiving party independently of the disclosing party’s Confidential Information. A party may disclose Confidential Information to the extent required: (1) to any consultant, contractor, advisor or counsel who has a bona fide need to know in connection with these Terms and has executed a protective non-disclosure agreement with the receiving party or (2) by operation of law, or by a court or governmental agency, or if necessary in any proceeding to establish rights or obligations under these Terms; provided, the receiving party shall, unless legally prohibited, provide the other party with reasonable prior written notice sufficient to permit the other party an opportunity to contest such disclosure.

**8.OWNERSHIP** All right, title, and interest (including all Intellectual Property Rights and other rights) and ownership of the Clearspeed Intellectual Property, the Software, and the Services, and all rights not expressly granted to Client are reserved by Clearspeed and its licensors, as applicable, and shall remain the exclusive property thereof. Client retains all right, title and interest (including all Intellectual Property Rights and other rights) in and to the Client Data; provided, however, Client hereby grants a royalty-free, worldwide right and license to access, use, copy, and modify the Client Data strictly for the purpose of providing the Services to the Client.

**9.WARRANTIES; DISCLAIMER**

**9.1Authority.** Each party represents and warrants that it has the full right and authority to enter into, execute and perform its obligations under these Terms.

**9.2Clearspeed Warranties.** Clearspeed warrants for the sole benefit of Client that (a) Clearspeed will use industry-standard measures to protect Client Data from unauthorized use or breach in violation of applicable privacy laws, (b) during the Subscription Term of each respective Order Form, the Software and Services, when used in accordance with the Documentation and solely as authorized herein, will perform substantially in accordance with the Documentation, and (c) the Support Services will be performed with due care and skill in a professional and workmanlike manner. Warranties associated with the Deliverables, if any, shall be set forth on a respective Statement of Work. The foregoing warranties shall not apply to any error or failure resulting from (i) use of the Services or Software in an operating environment other than as set forth in the Documentation; (ii) Client’s failure to follow any reasonable instruction of Clearspeed, (iii) use of the Software or Services outside the terms and conditions of these Terms, (iv) Client’s negligence or accident or modification of the Software by anyone other than Clearspeed.

**9.3Remedy for Services.** As Clearspeed’s entire liability and Client’s exclusive remedy for breach of the warranty set forth in subsection 9.2(b) , if Client notifies Clearspeed in writing within ten (10) days of completion of the applicable Services, Clearspeed shall, in Clearspeed’s sole discretion, (a) re-perform any Services that do not meet the warranty, (b) give Client a credit against future Services for the Services that do not perform properly, or (c) terminate the Order Form relating to the Services that do not perform properly and refund to Client pro rata the prepaid, unused Fees for that Order Form.

**9.4Remedy for Support Services.** As Clearspeed’s entire liability and Client's exclusive remedy for breach of the warranty set forth in subsection 9.2(c), if Client notifies Clearspeed in writing within ten (10) days of completion of the applicable Support Services, Clearspeed shall re-perform such Support Services at no additional cost to Client.

**9.5Client Warranties.** Client warrants that it will (a) have all rights in Client Data needed to allow Clearspeed to perform the Service, including, without limitation, all consents from Participants, (b) perform the Client Obligations in a professional and workmanlike manner and (c) only use or apply the Service in compliance with applicable laws, rules, and regulations.

**9.6DISCLAIMER OF WARRANTIES.** EXCEPT AS SET FORTH IN SECTION 9.2 (CLEARSPEED WARRANTIES), THE SERVICES ARE PROVIDED AND THE SOFTWARE HEREUNDER IS LICENSED “AS IS” AND “AS AVAILABLE” AND CLEARSPEED HEREBY DISCLAIMS ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED OR STATUTORY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE. THE SOFTWARE AND SERVICES ARE NOT GUARANTEED TO BE ERROR-FREE OR UNINTERRUPTED. ADDITIONALLY, CLIENT ACKNOWLEDGES THE SERVICES ONLY PROVIDE RISK OUTCOMES BASED ON THE RISK-RELATED QUESTIONS APPROVED BY THE CLIENT AND ASKED DURING THE CALL, AND ARE BASED UPON THE EVALUATION OF SPECIFIC VOCAL CHARACTERISTICS VIA PROPRIETARY FORMULAS TO RESPONSES MADE AT THE SPECIFIC TIME THE CALL WAS CONDUCTED, IN CONTEXT WITH THE CIRCUMSTANCES UNDER WHICH THE CALL WAS CONDUCTED AND THEREFORE CLEARSPEED DOES NOT WARRANT THE RESULTS WILL BE ACCURATE BEYOND THE LIMITS THEREOF. FOR THE AVOIDANCE OF DOUBT, THE ABOVE DISCLAIMER OF WARRANTIES ALSO APPLY TO CLIENT’S IMPLEMENTATION OF THE RESULTS OF USING THE SERVICES AND/OR SOFTWARE, AND ANY OF CLIENT’S ACTIONS BASED ON SUCH RESULTS ARE EXCLUSIVELY WITHIN CLIENT’S CONTROL AND RESPONSIBILITY. THE REMEDIES SET FORTH HEREIN ARE THE SOLE AND EXCLUSIVE REMEDIES FOR ANY CLAIMS THAT CLEARSPEED HAS VIOLATED ANY WARRANTY.

**10.INDEMNIFICATION**

**10.1Clearspeed Indemnification Obligations.** Clearspeed agrees to indemnify Client against any damages finally awarded against Client including reasonable attorney’s fees by a court or in a settlement incurred in connection with a third-party claim alleging that the Client’s use of the unaltered Software (including software underlying the Service) infringes or misappropriates any third-party United States patent or copyright in accordance with the terms of these Terms, provided that Client provides prompt written notice of such claim to Clearspeed, grants Clearspeed the sole right to control and defend such claim, and provides to Clearspeed all reasonable assistance. In the event of a claim or threatened claim under this section 10, Clearspeed may, at its sole option (a) revise the Software or Service so that it is no longer infringing, (b) obtain the right for Client to continue using the Software and/or Service, as applicable, or (c) terminate these Terms upon thirty (30) days’ notice and refund any pro-rata unused, pre-paid Fees received by Clearspeed. Notwithstanding the foregoing, Clearspeed shall have no liability or indemnification obligations from claims that arise from: (i) a version of the Software other than the then current version; (ii) modification of the Software by anyone other than Clearspeed; (iii) combination, operation or use of the Software with any other products not supplied by Clearspeed including, without limitation, Third Party Materials; (iv) any claim made for any use of the Software outside of a valid Subscription Term; or (v) any claim or damages arising after Clearspeed’s notice to Client that Client should cease use of the Software  in accordance with this paragraph. THIS SECTION 10.1 (CLEARSPEED INDEMNIFICATION OBLIGATIONS) STATES THE ENTIRE LIABILITY OF CLEARSPEED  AND THE SOLE AND EXCLUSIVE REMEDY OF CLIENT WITH RESPECT TO THE INFRINGEMENT OF ANY INTELLECTUAL PROPERTY RIGHTS BY THE SOFTWARE AND/OR SERVICE.

**10.2Procedures.** A party’s indemnification obligations shall be conditioned on the indemnified party: (i) providing prompt written notice of any claim for which indemnification is sought; (ii) provides reasonable assistance (at indemnifying party’s expense) with such claim, (iii) allowing the indemnifying party sole discretion to direct the defense and any negotiations or settlement of such claim as long as it does not require admission of fault or liability by the indemnified party.

**11.LIMITATION OF LIABILITY**

**11.1Limitation on All Damages.** TO THE EXTENT NOT PROHIBITED BY LAW, EXCEPT FOR EITHER PARTY’S BREACH OF SECTION 7 (CONFIDENTIALITY) OR CLIENT’S LIABILITY ARISING UNDER SECTION 3 (CLIENT OBLIGATIONS), IN NO EVENT SHALL EITHER PARTY’S LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE AND STRICT LIABILITY) OR UNDER ANY OTHER THEORY OF LIABILITY, EXCEED IN THE AGGREGATE 100% OF THE FEES PAID OR PAYABLE IN CONNECTION WITH THE RELEVANT ORDER FORM WHICH GAVE RISE TO THE DISPUTE.

**11.2Disclaimer of Consequential Damages.** EXCEPT FOR EITHER PARTY’S BREACH OF SECTION 7 (CONFIDENTIALITY) AND CLIENT’S LIABILITY ARISING UNDER SECTION 3 (CLIENT OBLIGATIONS), IN NO EVENT SHALL EITHER PARTY BE LIABLE FOR THE COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, ANY LOST PROFITS, REVENUE, OR DATA, INTERRUPTION OF BUSINESS OR FOR ANY INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR INDIRECT DAMAGES OF ANY KIND, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGE OR IF SUCH DAMAGE COULD HAVE BEEN REASONABLY FORESEEN.

**12.TERM AND TERMINATION**

**12.1Term; Renewals.** Unless sooner terminated, these Terms will remain in effect for as long as there is an active Order Form. Upon expiration of the Subscription Term of each Order Form, unless otherwise stated on that Order Form, the Order Form will not automatically renew.

**12.2 Termination.** Clearspeed may terminate these Terms by written notice effective immediately if Client materially breaches these Terms. If termination is due to Client’s material breach, Client will pay any Fees then due, including Fees remaining for the Subscription Term of all Order Forms. If termination is due to Clearspeed’s material uncured breach, Clearspeed shall refund pro rata any prepaid, unused Fees. If either party makes a general assignment for the benefit of creditors, is adjudicated as bankrupt or insolvent, commences a case under applicable bankruptcy laws, or files a petition seeking reorganization, the other party may terminate these Terms immediately upon written notice. Upon termination or expiration of these Terms, (a) the rights and licenses granted to Client hereunder will terminate immediately, (b) Client’s access to use the Software and any additional license rights granted thereto in these Terms including, without limitation, access via any website, app, or web portal, shall terminate immediately, and (c) any SOW’s shall also terminate immediately.

**12.3Survival.** Client’s obligation to make payment of any unpaid Fees and the terms of Sections 1 (Definitions), 3 (Client Obligations), 7 (Confidentiality), 8 (Ownership), 9.6 (Disclaimer of Warranties), 11 (Limitation of Liability), 12 (Term and Termination), and 13 (General Terms) shall survive any termination or expiration of these Terms.

**13.GENERAL TERMS**

**13.1Client’s Purchase Order and Authorized Reseller.** Any terms or conditions in Client’s purchase order, work order, and/or any other related documentation submitted by or on behalf of Client to Clearspeed do not form part of these Terms and are void, unless otherwise expressly agreed in writing and signed by both Client and Clearspeed. In the event that licenses or Services purchased hereunder are from an Authorized Reseller, Clearspeed’s sole obligations and liabilities shall be as set forth in these Terms and, in no event, shall the terms of such Authorized Reseller’s separate contract with the Client be binding on Clearspeed.

**13.2Governing Law.** These Terms and any disputes arising out of or related hereto will be governed by and construed in accordance with the laws of the State of California, without giving effect to its conflicts of laws rules or the United Nations Convention on the International Sale of Goods. Both parties hereby irrevocably consent to the personal and exclusive jurisdiction of the state and federal courts of competent jurisdiction located in San Francisco, California. The substantially prevailing party shall be entitled to recover its reasonable attorneys’ fees, and costs and expenses incurred. Either party may seek injunctive or other emergency relief in any competent court.

**13.3Publicity.** Either party may include the other's name and logo in client or vendor lists on such party’s website and marketing collateral. Client also agrees to collaborate on (a) press releases announcing or promoting the relationship and (b) case studies or other marketing collateral.

**13.4Assignment.** Either party may assign these Terms in its entirety to a surviving person or entity under a merger or acquisition or similar transaction upon written notice to the other party, provided that such assignment does not expand the scope of the Services and the assignee assumes all of the assigning party’s obligations hereunder in writing. Clearspeed may assign its rights to payment to a third party as part of a security interest or financing transaction. Client may not assign any of its rights or obligations under these Terms without the prior written consent of Clearspeed, which consent shall not be unreasonably withheld. This section shall not be construed as limiting Clearspeed’s right to use contractors and its affiliates to carry out any of its obligations under these Terms, provided that Clearspeed shall remain liable for any such services provided by a contractor or affiliate. Any assignment not in conformity with this section shall be null and void.

**13.5Severability.** In the event that any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be unenforceable, such provisions will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect and enforceable.

**13.6Notices.** All notices hereunder will be in writing via certified mail, return receipt requested, and will be deemed to have been duly given upon (a) personal delivery, (b) five (5) days after sending, if sent by domestic mail, (c) seven (7) days after sending, if sent by international mail, (d) upon delivery if sent with a recognized courier. Non-legal notices may also be sent via email and will be deemed given upon confirmation of receipt by the receiving party. Client’s notice information shall be as set forth in each Order Form, or as updated by notice. Clearspeed’s notice information shall be as set forth below or as updated by notice:

Clearspeed Inc.

555 West Beech Street, Suite 502

San Diego, CA 92101

Attn: Legal Department

Email: legal@clearspeed.com

**13.7Force Majeure.** Except for any payments due hereunder, neither party shall be responsible for delay or failure in performance caused by any government act, law, regulation, order, or decree, by communication line or power failures beyond its reasonable control, or by fire, flood, or other natural disasters or by other causes beyond its reasonable control, nor shall any such delay or failure be considered a breach of these Terms.

**13.8Injunctive Relief.** Each party acknowledges and agrees that a breach or threatened breach of any covenant contained in these Terms may cause irreparable injury, that money damages may be an inadequate remedy and that each party will be entitled to seek temporary and permanent injunctive relief, without the posting of any bond or other security, to restrain the other party from such breach or threatened breach. Nothing in this section will be construed as preventing a party from pursuing any and all remedies available to it, including the recovery of money damages.

**13.9Independent Contractors and No Agency.** The parties are independent contractors under these Terms and nothing herein will constitute either party as the employer, employee, agent or representative of the other party, or both parties as joint ventures or partners for any purpose. Nothing in these Terms is intended to constitute a fiduciary relationship, agency, joint venture, partnership or trust between the parties. No party has authority to bind the other party. These Terms shall not confer any rights or remedies upon any person other than the parties and their respective successors and permitted assigns.

**13.10Export.** The Services may be controlled by the United States and other governments for export, re-export, deemed export, and import purposes (jointly, export and import). Client agrees to comply with all such export and import laws, regulations, directives, rules, and controls regarding the Services and Software including, without limitation, the United States Export Administration Regulations, International Traffic in Arms Regulations, Office of Foreign Asset Control directives, sanctions, prohibitions and restrictions, and all treaties, Executive Orders, statutes, amendments and supplements thereto (laws). Client is responsible for obtaining all export and import licenses, authorizations, permissions, and to accomplish other acts to comply with all such laws. The Software and Service is commercial and shall be used for non-prohibited, commercial purposes by non-prohibited end-users and shall not be exported or transferred to any end-user located in a country embargoed by the United States, or to a national of such a country, without the appropriate license or authorization. Client will not export the Software and/or Service to a person or entity denied, prohibited, debarred or sanctioned (denied) by the United States Government, and Client represents that it is not such a denied person or entity.

**13.11US Government Restrictions.** Client acknowledges that the Software consists of “commercial computer software” and “commercial computer software documentation” as such terms are defined in the Code of Federal Regulations. No government procurement regulations or contract clauses or provisions shall be deemed a part of any transaction between the parties unless its inclusion is required by law, or mutually agreed in writing by the parties in connection with a specific transaction. Use, duplication, reproduction, release, modification, disclosure or transfer of the Software is restricted in accordance with the terms of these Terms.

**13.12 Entire Agreement.** These Terms (including this document, any exhibits thereto, and any duly executed Order Forms and any Statements of Work) constitutes the entire agreement between the parties hereto pertaining to the subject matter hereof, and any and all prior or contemporaneous written or oral agreements existing between the parties hereto and related to the subject matter hereof are expressly canceled. No modification, amendment or waiver of any provision of these Terms will be effective unless in writing and signed by both parties hereto. Any failure to enforce any provision of these Terms will not constitute a waiver thereof or of any other provision. In the event of a conflict between the Order Form and these Terms, the Order Form shall govern, though only to the extent of the conflict. The section headings contained in these Terms are inserted for convenience only and shall not affect in any way the meaning or interpretation of these Terms.

**13.13Construction.** The parties have participated jointly in the negotiation and drafting of these Terms. In the event an ambiguity or question of intent or interpretation arises, these Terms shall be construed as if drafted jointly by the parties and no presumption or burden of proof shall arise favoring or disfavoring any party by virtue of the authorship of any of the provisions of these Terms.

**EXHIBIT A**

**SERVICE LEVEL AGREEMENT & SUPPORT TERMS**

This Clearspeed Service Level Agreement and Support Terms (“ **SLA**”) describe Clearspeed’s Support Services (“ **Clearspeed Support**”), as referenced in the Terms of Service (“Terms”) between Clearspeed and the entity that has purchased and/or licensed from Clearspeed the products, Services and Software (“ **Client**”) that governs Client’s access to the Clearspeed Services.

**1.Definitions.** Capitalized terms not otherwise defined in either the Terms executed by and between the parties and used in this SLA shall have the meaning assigned to them as set forth below.

> **1.1“Authorized Support Contact”** means named persons in Client’s organization, as applicable, who are familiar with the Clearspeed Services and Software, and authorized by Clearspeed and Client to submit support service cases directly to Clearspeed Support.
>
> **1.2“Business Day”** means Monday through Friday (Client local time) excluding Clearspeed Observed Holidays.
>
> **1.3“Business Hours”** means 09:00 to 17:00 (Client local time) on Business Days.
>
> **1.4“Clearspeed Observed Holidays”** means public holidays in either the United States, United Kingdom, Canada, or Client’s geographic location, as applicable.
>
> **1.5“Error”** means a problem or error encountered during the reasonable use of the Clearspeed Services and or Software that degrades the performance of the Services and/or Software as compared with the then-current Documentation. Errors are further classified in Section 3.3 (Priority Definitions).
>
> **1.6"Incident Response"** means when Client routes an incident request to Clearspeed and receives confirmation of such request from Clearspeed.
>
> **1.7“Results Delivery Time”** or **“RDT””** means the time period measured from the completion of a Call to a Call Result being made available to Client.
>
> **1.8“Recovery Point Objectives”** or **“RPO”** means the maximum acceptable length of time during which data might be lost from Clearspeed in the event of a system failure.
>
> **1.9“Recovery Time Objectives”** or **“RTO”** means the maximum time the Services will be unavailable after a system failure.
>
> **1.10“Scheduled Maintenance”** means Clearspeed’s scheduled routine maintenance for its Services and Software.
>
> **1.11“Service Failure”** means Clearspeed fails to meet the Uptime Commitment (as defined below) for three (3) consecutive months.
>
> **1.12“Uptime”** means a Participant’s ability to access the Questionnaire and Client’s ability to access the Clearspeed web application.
>
> **1.13“Workaround”** means a (i) technical change implemented by Clearspeed and/or (ii) a change in the procedures followed by Client, to avoid an Error without impairment to Client’s use of the Clearspeed Services and/or Software.

2.Service Availability

RDT

Uptime

RPO / RTO

Disaster Recovery ("DR") RPO

Critical Security Patch Management

4-24 Business Hours during client's business day

99.9% availability

24-hour RPO

8-hour RTO

24 hours in case of major disasters caused by a force majeure event

Within 24 hours

2.1Termination **.** Client may terminate the Terms upon thirty (30) days’ prior written notice to Clearspeed, following a Service Failure. If Client terminates the Terms due to a Service Failure, Clearspeed will refund any pre-paid Subscription Fees, on a pro-rata basis, as of the date of such termination.

**2.2** Cumulative Remedies. Notwithstanding anything to the contrary in the Terms, the remedies available under this SLA are cumulative with the warranties and other rights and remedies set forth in the respective aforementioned agreement, by law, or otherwise.

**2.3** Exclusions **.** In addition to Scheduled Maintenance, the calculation of Uptime will not include downtime due to:

**2.3.1** Use of the Services or Software by either Client in a manner not authorized in the Terms or any Clearspeed Terms of Use;

**2.3.2** General Internet problems, force majeure events or other factors outside of Clearspeed’s reasonable control; or

**2.3.3** Scheduled Maintenance; provided, however, Scheduled Maintenance will not last longer than seven (7) hours each month. Clearspeed will monitor the Services and Software to ensure it is being provided in accordance with this SLA and report to Client all non-scheduled or emergency maintenance and any other outages (including performance degradation) as soon as possible.

3.Support Services

3.1Client cooperation. Client agrees to reasonably cooperate with Clearspeed in the diagnosis and resolution of outstanding technical issues processed hereunder including, but not limited to, making available reasonably-skilled technical resources from Client staff to assist with the resolution process.

3.2Support Ticket Process

Enter some text...

Client can raise support tickets with Clearspeed in two ways:

Via the Clearspeed web application; and/or

Via email at support@clearspeed.com.

**Ticket Monitoring & Triage**

> ●Support tickets and emails are monitored during Business Hours.
>
> ●Tickets are triaged based on their priority and severity to ensure timely resolution.
>
> ●If the matter is critical (i.e. suspected Service Failure), Client must include "URGENT" in the subject line of the ticket/email.

**3.3Incident Management Service Levels**

Priority 1 = Major functionality is impacted or significant performance degradation is experienced.

Priority 2 = Moderate loss of functionality or performance (convenient workaround exists).

Priority 3 = Minor impact, one user down and many others capable of performing required tasks.

Incident Response

> % of Priority 1 incidents responded to within identified timeframe of Business Hours

> % of Priority 2 incidents responded to within identified timeframe of Business Hours

> % of Priority 3 incidents responded to within identified timeframe of Business Hours

> 95% within 15 to 30 minutes

> 95% within 30 minutes to 1 hour

> 90% within 1 business day (Priority 3)

**3.4Escalation Matrix**

..

**Escalation Matrix**

**1st Level**

Clearspeed Support

support@clearspeed.com

**2nd Level**

Client Success Manager

Client Success Director

**3rd Level**

Sales Director

**4th Level**

Chief Operating Officer

## Webinars Collection

# Webinars

Explore our collection of webinars and online events.

October 31, 2025

**Bringing Tech and Talent Together for Operational Success**

Claims Transformation Tug-of-War: Bringing Tech and Talent Together for Operational Success.

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October 21, 2025

**Master Your Digitization and Outsmart the Fraudsters**

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August 28, 2025

**Driving innovation in insurance**

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October 15, 2024

**2024 Clearspeed Trust Faster Summit**

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March 19, 2024

**The Future is Now For Underwriting**

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September 14, 2023

**Claims Experience Innovation**

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## Insurance Reports and Guides

# Reports and guides

Explore our collection of in-depth whitepapers and research reports.

October 13, 2025

**The next multi-billion dollar variable in the insurance industry**

What if you knew who or what to trust? And what if that saved $30 billion dollars across a single line of business? What would that change for insurers?

The answer is everything.

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October 27, 2023

**A New Era Of P&C Risk And Fraud Assessment - Leveraging Unique Voice Analytics for New Insights**

Mark Breading, Senior Partner at ReSource Pro Consulting, outlines the crossroads facing P&C insurers today and key strategies deployed in response to the changing market dynamics.

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## Security Vetting Solutions

Security vetting and access control

# Today's threats have outgrown yesterday's vetting

Defense organizations protect some of the most sensitive people, systems, facilities, and information on earth. The entire framework that protects those assets rests on the assumption that the people granted access can be trusted. But the tools most defense organizations rely on to validate that assumption don’t match the changing threat environment in which they operate. This leaves a security posture full of gaps that adversaries, insider threats, and bad actors find and exploit. Clearspeed provides the real-time trust layer for continuous, accurate security vetting at the speed and scale modern defense demands.

## Traditional vetting is periodic in a world where risk is continuous

Current defense security vetting programs face a structural challenge. They are resource-intensive, rigorous, and expensive. They look backward while threats are adaptive and forward-moving. Slow in environments where operational tempo demands speed. Data-dependent where reliable data doesn’t exist or may not be available. Static in a world where the people being assessed are anything but.

## A real-time trust layer that keeps pace with threats

SCALE

#### Screen at operational speed and scale

The sheer number and volume of people involved in security-related processes - personnel, contractors, vendors, visitors, partner forces – require a level of scrutiny traditional methods can’t deliver at the pace, volume, and recurrence modern defense operations demand. Clearspeed’s real-time trust layer brings a speed and scale advantage to defense organizations.

Speed

#### Reduce cycle times and free-up resources

Security clearance backlogs are an operational liability. Roles go unfilled, missions are delayed, and qualified personnel sit in limbo for lengthy time periods waiting for clearances to be processed. The resources consumed by the backlog are equally staggering. Free up resources, reduce backlogs, focus where it matters, and enable your teams to make faster and more confident access decisions with Clearspeed.

Objectivity

#### Objective assessment, deployable anywhere

With Clearspeed, every individual is assessed independently of age, gender, race, or other personally identifiable information – no stakes or bias. And Clearspeed accelerates the process of screening, vetting, and addressing potential blind spot risks regardless of circumstances, language, or operational environment. Office or field. Base or embassy. Domestic or deployed. The same precise real-time risk assessment.

## A consistent and bias-free risk indicator

01

The questions

A short set of yes-or-no questions, answered by personnel.

02

The signal

Clearspeed analyzes for risk signals in the vocal response.

03

The indicator

You receive a clear risk indicator in seconds.

Minimal risk

Route and approve

Personnel are cleared. No delay, no friction.

Elevated risk

Follow up for review

The cases that need a closer look, get one.

## Risk doesn’t stop when the contract is signed

**Vendor risk management**

Learn more

**Substance screening**

Learn more

## Preventing Fraud and Waste

Financial fraud, waste, and abuse

# Every improper payment is a broken promise to the taxpayer

Government agencies and the financial programs they administer exist to serve the public - feed families, provide healthcare, support veterans, fund innovation, and deliver services citizens depend on. But there’s a gap between what these programs are meant to do and the people they’re designed to serve - a gap comprising billions of dollars a year lost due to fraud, waste, and abuse. Clearspeed transforms government agencies’ approach to financial integrity, giving them the ability to find the fraud, waste, and abuse hiding inside their programs before it costs them.

## The recovery model is no match for modern fraud

Billions in fraud, waste, and abuse move through government programs every year — not because agencies aren't trying, but because the systems they rely on weren't built for the threat they're facing. Investigative resources are stretched across volumes no human team can meaningfully review. And a structural bias toward paying first and recovering later costs too much and recovers too little. The result: fraud, waste, and abuse compounds quietly — until it doesn't.

## Move from pay and chase to prevent and protect

SCALE

#### Built for billions of transactions

Enormous volumes, tight timelines, and finite investigative resources. Clearspeed brings its precision risk triage capability to government agencies facing mounting pressures from fraud, waste, and abuse.

PREVENTION

#### Flag risk before it becomes a recovery problem

Clearspeed’s risk indicator sits at the point of payment, application, or claim — before the dollar goes out, before the grant is awarded, before the improper payment becomes a recovery problem. Clearspeed transforms the government's approach to FWA from reactive to proactive.

OVERSIGHT

#### Meet the mandate with measurable prevention

Government agencies have a formidable mandate to demonstrate tangible progress on fraud, waste, and abuse prevention. Clearspeed helps meet the moment with a proven, scalable, and real-time trust insight that can be deployed quickly, demonstrates measurable results, and provides upstream risk detection that oversight bodies are demanding.

## Insight where policy, payments, and public trust meet

01

The questions

Applicants answer a short set of yes-or-no questions

02

The signal

Clearspeed analyzes for risk signals in the vocal response

03

The indicator

You receive a clear risk indicator in real time.

Minimal risk

Route and approve

Move applicants forward, with less friction and fewer delays

Elevated risk

Follow up for review

The cases that need a closer look, get one.

## With Clearspeed, prevention outperforms recovery every time

Clearspeed’s transformative impact on government agencies’ financial program integrity extends beyond FWA leakage. The result is stronger programs, better stewardship of public funds, and a government that can demonstrate that the money entrusted to it is being protected with the rigor it deserves.

Request a Demo

## Read more about how Clearspeed protects the programs that protect the public

**Benefits program integrity**

Learn More

## Hiring and Screening

Hiring and screening

# Add the trust layer that background checks can't

Hiring is one of the most high-stakes trust decisions an organization makes. Candidates put their best foot forward, and typical processes look only at what’s on record, whether background checks, reference calls, criminal database searches, or even substance abuse concerns. They confirm what’s documented, but have no way of assessing what isn’t.

That’s the trust gap that exists in every sector, for every level, and every type of role. Clearspeed brings an intelligent trust layer to the hiring and screening process – a fast, fair, and unique risk signal at point of hiring and beyond that can’t be replicated. The result? More confident hiring decisions for security- and safety-sensitive organizations, and a workforce that can be trusted from day one, and every day after.

## ​What’s on the record is only a part of the story

​Getting to a confident recruiting and hiring position starts with a short set of yes-or-no questions, delivered over a voice-enabled device. The vocal signal in the response indicates the current level of risk in real time. No reports to pull. No lab tests. No waiting. Quick information verification to build trust. Works before, during, or after engagement.

## ​How confidence grows with a clearer picture on candidate risk

Speed

#### Shorten hiring cycles without sacrificing certainty

Competitive hiring markets mean that long and cumbersome screening processes drive candidates to competitors. Clear low-risk applicants in minutes, and deter the high-risk early in the process with Clearspeed, shortening hiring cycle times without sacrificing scrutiny that hiring decisions demand

Objectivity

#### Give every candidate the same fair shake

Hiring bias is ethically unacceptable and legally impermissible. Clearspeed assesses universal vocal characteristics regardless of language, gender, race, geography, or age — and does not require any personally identifiable information (PII).

Scale

#### Get all the depth, with none of the weight

Traditional screening tools require on-site administration, specialist expertise, and significant time - from both the candidate and the organization. They're difficult to scale, and experienced bad actors know how to game them. Clearspeed deploys virtually or in the field, assesses thousands of individuals in minutes, and requires no invasive processes or personal background data.

**Government**

From pre-enrollment to continuous vetting, help ensure personnel are eligible for secured access.

Learn more

**Financial services**

See how a critical trust layer adds risk insight for financial services organizations that standard background checks routinely miss.

Learn more

## Global Public Events

Global public events

# Speed gets people in. Security keeps them safe. Don’t choose between them.

Large-scale events present a security challenge unlike almost any other environment. The crowds are large, diverse, and can bring an international audience. They can be attractive targets for foreign intelligence entities and adversarial actors. And the internal ecosystem - employees, vendors, suppliers - also presents a threat exposure. The defining tension for global public events is the trade-off between speed and security. Typically, if you move people through quickly, security suffers. But slowing things down builds queues and frustration, and deteriorates the experience for all. Every second spent on a low-risk visa applicant, traveller, attendee, or employee is a second not spent on a genuine threat.

## How Clearspeed screens at scale without disruption

Whether a large-scale community gathering, a sporting event, or high-profile function attended by dignitaries, risk needs to be identified before the perimeter is breached. In particular, high-profile events with military, government, or diplomatic dimensions present a rare and valuable opportunity for reconnaissance, intelligence gathering, and potential disruption. Clearspeed provides fast, objective, and in-the-moment insight purpose-built to detect risk at the scale public events require. Accurate intelligence on who to trust, en masse, without disrupting the broader event flow.

## ​Surface risk before it reaches the event

Speed

#### Intelligent velocity

Clearspeed delivers a real-time, individual-level risk signal at visa application, port of entry, or at the event itself, giving security teams the intelligence to make fast and confident decisions about every person moving through the screening process. Not a backward records check, not a visual assessment. An objective indicator tied to that individual, at that point in time.

SCALE

#### Full integrity at any volume

Clearspeed is capable of screening enormous volumes of event attendees without slowing entry or compromising the integrity of the assessment. It doesn’t replace security processes - it amplifies them, adding a layer of precise intelligence that works the same for one person as it does for one hundred thousand people.

REACH

#### A global trust standard

Clearspeed operates in any language, without bias, and without requiring PII. It is uniquely suited for diverse, multinational crowds that global public events attract.

**Government**

See how Clearspeed helps governments screen for traveller or immigration risks before they enter the country.

Learn More

## Catastrophic Events Risk Assessment

Catastrophic (CAT) events

# ​Get trustworthy claimants on the path to recovery sooner

Catastrophic events are the ultimate stress test for policyholders, claims teams, and government agencies alike. After a weather event or natural disaster, application and claim volumes spike overnight. It’s fertile ground for opportunistic fraud. Government relief programs must deal with compressed timeframes, massive volumes of applicants, and significant costs to taxpayers if they get payouts wrong. It’s maximum volume, maximum urgency, and maximum fraud risk - with minimum oversight capacity.

Clearspeed can uniquely address that challenge across every sector with its fast, accurate and easily deployable risk assessment capability - a way to establish trust at scale when organizations need it the most.

## ​A moment of trust instead of mounting chaos

​For claimants, it’s a few simple yes-or-no questions. For insurers and government agencies, it’s an instant signal about who or what to trust that separates the genuine majority from the high-risk few - at scale, in real time, without slowing anyone down. No delays, no backlog, no surge too big to handle.

## ​How Clearspeed delivers confidence in a crisis, at any scale

Speed

#### Avoid the delays that have human consequences

Legitimate claimants can’t rebuild. Relief recipients can’t recover. Aid doesn’t reach the people who need it. Clearspeed gets the right applications into the right hands faster and with greater confidence, so teams can deliver on their promise to their customers when they need it most.

Scale

#### Meet people's needs at any scale

Catastrophic events demand rapid, large-scale response - and create exactly the conditions fraudsters exploit. Whether processing thousands of insurance claims or deploying relief resources across a disaster zone, the pressure to move fast makes it harder to distinguish genuine need from opportunistic fraud. A real-time risk indicator at every interaction means organizations can move quickly for the people who need it most, and flag the cases that warrant a closer look.

Integrity

#### Protect relief and recovery programs

Disaster relief attracts opportunistic fraud at exactly the moment resources are most stretched. The same program integrity capability that can protect government programs like SNAP, Medicaid, and other benefits programs applies here — quickly triaging legitimate applicants at a speed and scale that manual review can't match.

## Insurance

Learn how one coastal insurer put up a perfectly pitched defense against roofing claim scams

Use Case

## Insider Threat Solutions

Insider threat

# ​Cleared then. Compromised now.

Insider threats can take many forms, from data and IP theft, financial fraud, espionage, or enabling external threats. Complex supply chains can also introduce vulnerabilities into the system. Without a fast and scalable way to continuously assess the risk profile of employees, partners, and suppliers, most organizations do periodic reviews that are too infrequent to identify the dynamic and evolving nature of insider risk.

## ​A trust layer across your workforce ecosystem

Most insider threat programs rely on access logs, behavioral analytics, and anomaly detection - tools that look at what people do, and that catch patterns after they’ve developed, or anomalies after they appear. Clearspeed helps organizations build a trusted workforce and protects IP with in-the-moment individual assessments of risk. By enabling initial, continuous, or post-event assessments, Clearspeed provides a scalable trust layer that transforms point-in-time insider threat monitoring to an ongoing security capability.

## ​How Clearspeed turns continuous monitoring into active protection

SPEED AND SCALE

#### Monitor at the speed of the modern workforce

With Clearspeed, organizations can not only clear the low-risk majority fast and concentrate security resources precisely where risk is flagged, but also have a reliable mechanism to detect changing risk before it becomes a crisis.

LIGHTWEIGHT

#### Keep your people on the job and your culture intact

Current insider threat programs create friction in the employee experience, which ultimately impacts business operations. Lengthy monitoring processes, forced leave, or lockdowns can take employees off the job, while the invasive nature of the programs can breed friction and resentment. With Clearspeed, your continuous monitoring is lightweight and non-intrusive, so the right people can get the job done.

NON-INTRUSIVE

#### Reach struggling employees early enough to help

Regular, non-intrusive screening for mental health or substance abuse concerns provides a proactive, compassionate approach to reducing insider threats and ensuring a safe workplace. Uncovering personnel in need of support using simple, non-intrusive yes/no questions respects the individual while giving organizations the signal they need.

PREVENTION

#### Turn continuous vetting into a powerful deterrent

A continuous trust layer as part of your insider threat program changes the game for bad actors. The knowledge that risk can be surfaced quickly and in real-time is a powerful deterrent against insider misconduct.

**Continuous vetting for government agencies**

See how Clearspeed supports routine employee evaluations across agencies and departments.

Learn More

**Continuous vetting for defense**

See how Clearspeed supports continuous vetting for defense agencies.

Learn More

**Vendor risk management for defense**

See how Clearspeed supports robust vendor risk assessment.

Learn More

## Trust and Sports Integrity

Sports integrity

# Fair play starts with trust

Sports integrity depends on trust - that the competition is clean, the results legitimate, the athletes competing on merit, not manipulation. When that trust is compromised through doping, match fixing, or misconduct, the damage extends far beyond a single event, undermining the sport, eroding fan confidence, and harming those who compete with integrity. Clearspeed gives sports organizations a fast, fair, and scalable way to identify risk across the participation lifecycle, so everyone can stay focused on the game.

## In sports integrity, not everyone is playing by the same rules

The threats facing sports integrity are international, well-resourced, and evolving faster than the programs designed to catch them. Doping methods outpace detection, match-fixing networks operate across jurisdictions, and misconduct often goes undetected until the damage is done. Indiscriminate testing and monitoring burdens the clean majority while sophisticated actors adapt. Meaningful scrutiny at scale is unsustainable - costly, invasive, and increasingly ineffective.

## Sports deserve a level playing field

Speed

#### Make testing fair and fast

Invasive monitoring and blanket testing puts unnecessary pressure and unfair scrutiny on the majority of clean athletes. Clearspeed’s in-the-moment risk indicator lets you clear the clean majority of athletes quickly, while being able to focus on the few that warrant attention.

REACH

#### Surface potential threats on and off the field

Bullying, harassment, and discrimination threaten sports integrity, but traditional frameworks and integrity programs aren’t always built to surface this type of risk. Clearspeed’s real-time trust intelligence helps detect indicators of abusive behavior.

PRECISION

#### Assess corruption risk before the whistle blows

Reactive investigation is no match for organized corruption. Deploy Clearspeed to surface indicators of corruption, outside influence, and improper relationships so integrity teams have the intelligence to intervene early.

SCALE

#### Risk monitoring doesn’t end when the event is over

Clearspeed’s trust layer enables initial, continuous, and post-event risk assessments, supporting organizations in active sports integrity monitoring between major events and throughout the participation lifecycle.

## "Clearspeed’s innovative approach to risk assessment has been particularly useful in our global sports integrity work, where efficient clearing while also alerting to high-risk individuals is essential to maintaining the integrity of the sport. "

Martin Dubbey
Managing Director, Harod Associates

## How Clearspeed supports sports integrity screening

01

The questions

The participant responds to a short set of yes-or-no questions.

02

The signal

Clearspeed analyzes vocal characteristics associated with risk.

03

The indicator

You receive a clear risk indicator in real time.

Minimal risk

Clear to proceed

The participant advances.

Elevated risk

Follow up for review

The participants that need a closer look, get one.

## No rip and replace required

Clearspeed integrates with existing systems and case management processes, so teams can add a real-time risk signal without reworking what is already in place.

##### API connection

Connects to your existing systems via a secure REST API. Results come back in real time, in the Clearspeed app or directly in your system.

##### Multiple ways to connect

Phone, web, in the field. Clearspeed is easily deployed across any voice-enabled device.

##### Anywhere in the vetting process

Clearspeed can be deployed for initial, continuous, or post-event risk assessments.

Global boxing association

#### $250K bribe identified in investigations

4 high-risk officials withdrew from major tour

## See how Clearspeed ensures that trust never takes a game off.

Early detection is the best prevention. Clearspeed’s fast, fair, and continuously deployable risk assessment capability helps sporting organizations and governing bodies scale behind the scenes, so the focus can stay on the field.

Request a demo

## Fraud Prevention Solutions

Fraud and financial crime

# Financial crime thrives when data falls short of trust

Financial services organizations face thousands of fraud attempts every month: falsified accounts, transaction fraud, money laundering, and bad actors already inside the organization with access to the systems and cash that matter most. The hard truth is that finserv leaders are fighting evolving and increasingly sophisticated threats with tools that look backward, move slowly, and were built for a different era. Clearspeed closes that gap, with an intelligent trust layer that surfaces risk signals before the damage is done, embedding at point of application, transaction, or claim.

## Surface risk earlier instead of digging for missed signs later

Every transaction poses the question: can this be trusted? Clearspeed answers it in real time. A short set of yes-or-no questions, delivered over any voice-enabled device, surfacing immediate risk signals to give you more certainty on legitimacy of interactions.

## How an intelligent trust layer keeps fraud from spreading

Speed

#### Unique insight, greater confidence on both sides of the transaction

Clear the legitimate majority quickly, while flagging the high-risk minority with precision. Less customer friction, payment slowdown, and attrition, and less overwhelm on the teams responsible for managing risk of fraud.

Objectivity

#### Everyone deserves the same objective assessment

Extending services to underbanked populations - individuals with limited credit histories or non-traditional financial backgrounds – is both a commercial opportunity and a social imperative. But standard application validation tools are poorly equipped to assess fraud risk in these cases because they rely on historical or incomplete data. Clearspeed provides a real-time individual assessment of risk uniquely suited to validating applications for every individual, without bias that data-dependent tools inevitably introduce.

Reach

#### Extend trust across your financial ecosystem

Fraud exposure comes not only through customers, but also from the financial services workforce and supplier ecosystems. Periodic background checks and compliance training aren’t adequate to monitor system access on an ongoing basis. Clearspeed is a fast, scalable, and non-intrusive way to screen employees and suppliers continuously and as circumstances change.

**Banking**

Every interaction is a trust decision. See how Clearspeed helps banking institutions make the right one.

Learn More

**Government**

See how Clearspeed helps government agencies maintain program integrity and public trust.

Learn More

**Insurance**

See why an intelligent trust layer is the best defense against risk of fraud at FNOL.

Learn More

## Fraud Prevention Solutions

Life and health

# Protect the policyholder experience from the cost of fraud

Life and health insurance fraud occurs at every stage – application misrepresentation, non-disclosure, fraudulent claims, provider co-conspiracy - with billions lost annually. Genuine customers absorb the cost. The answer isn't more friction. It's better insight at the moment a decision needs to be made. Clearspeed provides real-time insight into risk so you can enable trust across your ecosystem.

## Fraudsters know the gaps. Customers feel the friction.

What isn't disclosed can't be flagged, while segmentation models assess the profile, not the person. The operational response to that gap – more data purchases, more tests, longer review cycles – adds cost and friction without closing it. Genuine policyholders absorb the burden while fraud adapts.

## Get a better signal on fraud risk and act with confidence

EARLY

#### Reduce exposure early

The most financially impactful intervention is upstream - before the policy is written. With Clearspeed, identify misrepresentation, concealment, and deliberate non-disclosure that standard checks aren't designed to catch.

SPEED

#### Clear the path for genuine applicants

Underwriting processes built around data purchases, lab tests, and extended review cycles add cost and slow down the majority who don't warrant the scrutiny. A real-time risk indicator at application means genuine applicants move faster, and resources concentrate where they're actually needed.

SCALE

#### Settle claims fast. Find fraud faster.

Claims fraud takes many forms - beneficiary fraud, exaggerated injuries, duplicate claims. A real-time risk indicator at triage changes the calculation: settle genuine claims without delay and direct investigative attention to the cases that warrant it.

PROVIDER FRAUD

#### Ghost the ghost patients

Prevent persistent and embedded fraud threat from provider schemes. Clearspeed can be deployed at provider onboarding, credentialing, and ongoing monitoring, to surface real-time indicators of billing misconduct, compliance risk, and ghost patient schemes.

## How Clearspeed turns trust into a competitive advantage

01

The questions

A short set of yes-or-no questions, answered by policyholders at any stage.

02

The signal

Clearspeed analyzes vocal characteristics associated with risk.

03

The indicator

You receive a clear risk indicator in real time.

Minimal risk

Clear with confidence

Move applicants and policyholders forward, with less friction and fewer delays.

Elevated risk

Follow up for review

The cases that need a closer look, get one.

44%

Reduction in testing spend

Large US life insurer

45%

Increase in new risks captured

Large US life insurer

90%

Additional premium capture

Large US life insurer

## Clearspeed helps keep fraud off the policyholder's tab

Clearspeed provides an invaluable human risk indicator not available anywhere else. Traditional risk assessment tools work with information on file, or around an individual. Clearspeed is used in-the-moment. A few yes-or-no questions, grounded in decades of neuroscience, give teams a clear read of who or what to trust early, while easing unnecessary friction.

Request a Demo

## Trust matters at every point in the policyholder lifecycle.

**Underwriting**

Learn More

**Claims**

Learn More

**Workers' compensation**

Learn More

## AML and KYC Solutions

AML and KYC

# Identify concerns around who’s moving money – before it moves

AML and KYC compliance are critical to banking operations. But to deliver, you need confidence in the people and entities operating in your systems – and that can mean navigating missing information and complex and costly processes. Clearspeed bridges the confidence gap with risk indicators that help validate the origin and dispersal of funds, expose schemes or illicit account usage, and support a cadence of continuous employee vetting.

## Backward-looking data and alert overload can mask real fraud

AML and KYC programs have a seemingly simple premise, but a supremely complex landscape through which to sort through and identify fraud risk. Reliance on historical data only tells institutions what an individual has done – not what they’re doing now. And standard checks confirm what’s on record instead of catching bad actors at the door. Meanwhile, compliance teams are bogged down by treating every activity with the same scrutiny, whether it poses a real risk or not.

## Add a real-time trust layer to your AML and KYC program

EXTERNAL

#### Clarity in a complex threat landscape

AML and KYC fraud can come from any individual, entity, or organization seeking to enter or operate in the banking system. The sophistication and scale of this external threat has never been higher. Criminal networks, state-sponsored actors, politically exposed persons, and opportunistic fraudsters are all probing the financial system constantly, looking for gaps and blind spots allowing for illicit activity. Whether high-risk onboarding, complex KYC cases, or interactions with individuals from high-risk jurisdictions, Clearspeed provides a layer of real-time risk intelligence that can’t be replicated in a well-prepared paper trail. An assessment of individuals, at the moment it matters most.

INTERNAL

#### Close the gaps in continuous vetting

AML and KYC fraud risk can also come from within. Insiders with the right access and authority can approve transactions and customers that should be flagged, and otherwise shield illicit activities from detection. Traditional continuous vetting processes can be disruptive to regular banking operations, with a compounding effect. Clearspeed supports on-going insider risk assessment with a short, yes-or-no questionnaire, at any point in the employee lifecycle.

## Real-time risk intelligence at every AML and KYC touchpoint

01

The questions

A short set of yes-or-no questions, answered by the individual at the point of interaction.

02

The signal

Clearspeed analyzes for risk signals in the vocal response.

03

The indicator

You receive a clear risk indicator in real time.

Minimal risk

Route and approve

The customer moves forward. No delay, no friction.

Elevated risk

Follow up for review

The accounts that need a closer look, get one.

Philippines energy company

**$8M insider theft ring broken**

More than 50% of the company’s employees flagged as high-risk, including the ring leader, who confessed and named additional accomplices.

Find out how

## How Clearspeed strengthens trust across your AML and KYC program

Whether an individual who works within the system, or one trying to game it from the outside, real-time risk assessment closes the vulnerability gap. A few yes-or-no questions, grounded in decades of neuroscience.

Request a demo

## Even with robust AML and KYC controls in place, financial institutions face significant residual risks

**Loan and credit processing**

Learn More

**Payments and claims**

Learn More

**Account takeover**

Learn More

## Account Takeover Solutions

Account takeover

# The right credentials don't always mean the right person

For account takeover fraud, bad actors don’t need to break into the banking system. They just need the right credentials. And in a world where data breaches are constant and personal information is readily available, those credentials are easier to obtain than ever. Clearspeed goes beyond credentials with a real-time risk assessment on account owner validation.

## Fraudulent activity is designed to go undetected

Financial institutions don’t want to interfere with transactions from seemingly established, reputable users. And that’s what fraudsters are counting on – to slip by authentication tools and go on undetected.

## Close the gap between the system and the person using it

FRICTIONLESS

#### Verify legitimate customers quickly

Reduce friction for genuine customers with a simple yes-or-no questionnaire that validates their authorization and moves them through quickly and without disruption. Keep scrutiny on only the interactions that warrant it.

SCALE

#### Prevent cumulative impact of data breaches

While the supply of stolen credentials is limitless, the risk of account takeover doesn’t have to be. Clearspeed’s real-time indicator of risk is specific to the moment and the individual, which can’t be replicated.

SPEED

#### Act at the speed of the attack

Don’t wait for the system to flag an anomaly. Intervene before access is granted, account details are changed, or funds are moved. Clearspeed helps you intervene at the earliest possible moment.

## Surface identity risk before access is granted

01

The questions

A short set of yes-or-no questions, answered by the user.

02

The signal

Clearspeed analyzes for risk signals in the vocal response.

03

The indicator

You receive a clear risk indicator in real time.

Minimal risk

Route and approve

The user moves forward. No delay, no friction.

Elevated risk

Follow up for review

The interactions that need a closer look, get one.

## How Clearspeed protects accounts against bad actors

Clearspeed screens for risk at the point of login, while imposters are flagged before they gain access. A few yes-or-no questions, grounded in decades of neuroscience.

Request a demo

## Add a trust layer across transaction types

**AML and KYC**

Learn More

**Loan and credit processing**

Learn More

## Loan Fraud Prevention

Loan and credit processing

# Protect the integrity of your loan portfolio

Loan and credit applications are a playground for opportunistic fraudsters, particularly with non-disclosure and misrepresentation being persistent challenges in processing. Without a reliable early risk indicator, bad actors exploit the current system, financial institutions accept more bad loans, and genuine customers are stuck in the middle. Clearspeed screens for potential fraud early, so the right applications make it through, faster.

## You can’t bank on current processes and tools to reveal risk of fraud

Between the volume of loan and credit applications and exploitative actions of opportunistic fraudsters, teams face a burden; move fast and miss fraud risk, or slow down and miss out on potential customers (while competitors offering instant approvals swoop in). Without a fast and reliable way to sort applications by risk level, time is spent on low-risk cases at the expense of the ones that actually warrant scrutiny.

## Verify application integrity with trust intelligence

CLARITY

#### Analysts and underwriters get clarity sooner

A real-time risk indicator at the point of application uncovers opportunistic and organized fraud early – before it enters the ecosystem, resulting in additional downstream costs.

SCALE

#### Same team, more scale

Potential fraud across massive volumes of transactions represents catastrophic losses – but the teams responsible for identifying fraud risk are finite. Clearspeed is the triage layer that helps underwriters and fraud analysts focus their expertise precisely where it’s needed. The transaction volume is no longer unsustainable.

SPEED

#### Low-risk applicants clear faster

When low-risk applications are identified early, they move through faster, securing the customer, and delivering a service experience that builds loyalty for the long term.

## Get an early indicator of financial fraud risk

01

The questions

A short set of yes-or-no questions, answered by the applicant at the point of application.

02

The signal

Clearspeed analyzes for risk signals in the vocal response.

03

The indicator

You receive a clear risk indicator in real time.

Minimal risk

Route and approve

The application moves forward. No delay, no friction.

Elevated risk

Follow up for review

The cases that need a closer look, get one.

## Large US life insurer benefits from unique risk insights

Clearspeed helped a large US life insurer better segment applicants by better understanding tobacco use and BMI-related risk factors earlier in the application process. The insurer was able to accelerate high trust applicants and reduce unnecessary testing costs without trading off on rigor or confidence.

44%

Reduction in testing spend

Large US life insurer

45%

Increase in new risks captured

Large US life insurer

90%

Additional premium capture

Large US life insurer

## How Clearspeed adds a trust layer to application evaluation

Clearspeed screens for risk at the point of application, so low-risk applicants move through fast and underwriters stay focused on the ones that need them. A few yes-or-no questions, grounded in decades of neuroscience.

Request a demo

## Find fraud risk across your financial ecosystem

**Payments and claims**

Learn More

**AML and KYC**

Learn More

**Account takeover**

Learn More

## Vendor Risk Management

Vendor risk management

# Extend trust across your vendor ecosystem

The vast networks of contractors, subcontractors, suppliers, and third-party partners defense organizations rely on represents a potential vulnerability. Clearspeed gives defense organizations the ability to assess the entire supply chain perimeter quickly, continuously, and with a level of precision not available with legacy systems.

## Your vendor ecosystem risk looks controlled.  But is it?

Unverified personnel data and self-reported vendor information create blind spots that allow undisclosed affiliations, foreign influence, and disqualifying histories to pass through onboarding undetected. Meanwhile, inconsistent cybersecurity and infosec assessments and undocumented gaps in NIST and CMMC alignment mean risk decisions are routinely made on incomplete information.

## Secure every link in the supply chain

OPSEC

#### Prevent OPSEC disruption

The moment a vendor enters your ecosystem, they become a potential conduit for leakage - their access to sensitive information, critical infrastructure, and operational processes can - intentionally or not - compromise the mission. Keep every link in the chain strong with real-time, individual risk assessment that can’t be replicated by a contract clause or compliance framework.

CONTINUOUS VIGILANCE

#### Continuous vigilance in a dynamic landscape

Risk associated with vendors doesn’t stop when the contract is awarded. Personnel change. Geopolitical conditions shift – and so can a vendor’s security posture. Compliance drift is real. Privileged access should not be one and done. Clearspeed assesses risk at any point in the vendor relationship lifecycle - onboarding, contract renewal, point of access elevation, or triggered by a specific concern or development – without expensive site visits or complex records searches. A real-time risk signal, when you need it.

COMPLIANCE

#### Discover compliance risks before the auditors do

Compliance needs ongoing attention and investment. Don’t wait until the next formal review rolls around. Clearspeed helps uncover early warning signs of a vendor’s failure to comply with laws or regulations like NIST or CMMC, and finds risks associated with vendors operating in a way that’s inconsistent with an organization's policy, program, and procedures.

## A risk indicator at any point in the vendor relationship lifecycle

01

The questions

A short set of yes-or-no questions, answered by vendor personnel.

02

The signal

Clearspeed analyzes for risk signals in the vocal response.

03

The indicator

You receive a clear risk indicator in real time.

Minimal risk

Route and approve

The vendor personnel are cleared. No delay, no friction.

Elevated risk

Follow up for review

The cases that need a closer look, get one.

## How Clearspeed enables continuous protection across the vendor lifecycle

Clearspeed can be deployed at any point in the vendor lifecycle. The threat surface is covered continuously, reducing operational disruption and keeping the ecosystem secure. A few yes-or-no questions, with analysis grounded in decades of neuroscience.

Request a demo

## Risk doesn't stop at procurement

**Vetting and continuous monitoring programs**

Learn More

## Continuous Vetting Solutions

Vetting and continuous monitoring programs

# Risk is dynamic. Your vetting and monitoring programs should be too.

Risk can evolve even after someone is cleared. Traditional vetting processes are slow, infrequent, resource-intensive, and dependent on self-reporting – and the impact of missed risk during continuous vetting can be catastrophic. Clearspeed is a lightweight, scalable trust screening layer that can be used at any point in the personnel lifecycle to close these gaps.

## Today’s threat landscape requires an embedded trust screening layer

Today’s continuous vetting processes leave government organizations a step behind the threats they’re trying to stop. Traditional background checks leave agencies wide open to risk when they only happen once every few years. Self-reporting can mean non-disclosure, while drug and wellness screening is costly, slow, and intrusive. By the time the threat is surfaced through legacy systems, the damage is already done.

## Turn continuous vetting into a genuine security advantage

Clarity

#### Clarity for operational value

Clearspeed’s real-time trust intelligence means less ambiguity and more conviction for government agencies. Decision-makers get a clear signal of who to move forward, and who warrants a closer look.

Scale

#### Broader risk coverage

Clearspeed is a lightweight insertion that reveals indicators across multiple risk categories - from corruption and foreign allegiances to substance use and mental wellness. A more complete picture with one technology.

Speed

#### Fast clearance is a force multiplier

Delays mean missions stall, roles go unfulfilled, and productivity suffers. Speed through clearing the low-risk majority means the mission keeps moving, and morale is maintained.

## Continuous vetting for continuous trust

01

The questions

A short set of yes-or-no questions, answered at the point of application.

02

The signal

Clearspeed analyzes for risk signals in the vocal response.

03

The indicator

You receive a clear risk indicator in real time.

Minimal risk

Clear and move forward

The individual moves forward.

Elevated risk

Follow up for review

The personnel that need a closer look, get one.

INSIDER MISCONDUCT

**People change, and so does their risk**

The most debilitating risks can come from within, when personnel exploit the very access and trust they have been granted. Clearspeed helps uncover risk indicators related to:

- Employee corruption, including new or existing ties to criminal organizations or foreign entity alliances
- Improper movement or selling of government information
- Financial stress and other behaviors that emerge long after clearance is granted

Learn more

SUBSTANCE USE

**Simplify substance screening**

Substance use is one of the hardest things to screen for continuously with traditional methods. Use Clearspeed to:

- Reduce dependency on costly and time-consuming lab testing
- Act as a powerful and unbiased triage layer routinely, irregularly, or triggered by a specific instance
- Identify vulnerabilities early to support personnel as needed

Learn more

MENTAL WELLNESS

**Protect your personnel and your mission**

Mental health is deeply human, and requires sensitive yet rigorous monitoring. A state of wellness can’t always be detected in a historical snapshot or through self-reporting. Clearspeed helps agencies:

- Uncover indicators of risk that would result in mental health challenges
- Better identify personnel needing support, and more efficiently deploy those resources
- Provide a non-intrusive, unbiased method to screen personnel fairly and quickly

Learn more

US energy producer

**Increased risk identification, lower costs**

With Clearspeed, a US energy producer successfully gained the ability to replace or augment their current urinalysis processes, saving critical time and money, with an expected rise in productivity levels. With Clearspeed the customer saw a 27% increase in risk findings related to hidden substance use and a 40% reduction in investigations cycle time, resulting in a $50 savings on each low-risk participant no longer requiring urinalysis.

Find out how

## How Clearspeed turns continuous vetting into an operational advantage

Clearspeed screens for risk at any point in the personnel lifecycle, helping agencies protect the mission not just at point of hire. A few yes-or-no questions, with analysis grounded in decades of neuroscience, for a mission-critical outcome.

Request a Demo

## Embed trust across your ecosystem

**Vendor risk management**

Learn More

**Insider threat**

Learn More

## Fraud Detection Solutions

Benefits program integrity

# Protect program integrity and public confidence

The case workers, investigators, and administrators tasked with protecting government programs face an overwhelmed system. Fraud schemes exploit the overwhelm that comes from limited resources processing millions of cases. Without efficiency in an overburdened system, allocating tax dollars to the people that genuinely need them becomes time- and resource-intensive. Clearspeed modernizes program access for a new era, so agencies can remain stewards of citizen support and public trust.

## The cost of getting it wrong has never been higher

Volumes of applications and claims, each requiring an assessment; compounding pressure to reduce fraud and overpayments; and the cost to genuine and vulnerable citizens when benefits are diverted from their needs. All of this, and a rapidly shortening runway to fix it, with redetermination pressure and error rate penalties looming, means citizens and agencies both pay a big price.

## Modernize program access to face evolving risk

Speed

#### Speed that protects, not exposes

With Clearspeed, agencies can apply scrutiny precisely and move at the pace the system demands. A real-time indicator of risk means for citizens, the process can be faster for the many, while agencies can break out of the backlogs.

Scale

#### More cases, same team

Accepting that a certain percentage of improper payments are unavoidable isn’t viable in the new regulatory environment. This has not only increased the volume of cases that agencies need to process – but also the pressure on already overstretched teams. Clearspeed helps the agency workforce process significantly higher volumes without sacrificing accuracy.

Unique Data

#### Surface risk other systems miss

Hidden risk of fraud in benefits programs is real. External fraud slips through standard checks, and insider threat can come from eligibility manipulation, collusion, or information trafficking. Traditional fraud detection tools focus on the anomalies – unusual patterns, statistical outliers, and flagged transactions. Clearspeed delivers an individualized, real-time risk signal, not reported information that can be manipulated.

TRUST

#### Strengthen citizen trust

Key to serving citizens is getting benefits paid out faster to the deserving many. Being able to process cases with speed and at scale also protects valuable funding to better serve future recipients. Clearspeed helps agencies clear the low-risk majority quickly, while giving program administrators the insight they need to better focus resources on cases that need a closer look.

## The risk indicator you need before the money goes out the door

01

The questions

A short set of yes-or-no questions, answered by the applicant at the point of application.

02

The signal

Clearspeed analyzes for risk signals in the vocal response.

03

The indicator

You receive a clear risk indicator in real time.

Minimal risk

Route and approve

The application moves forward. No delay, no friction.

Elevated risk

Follow up for review

The cases that need a closer look, get one.

01

SNAP

Volume demands vigilance

The Supplemental Nutrition Assistance Program (SNAP) program is a battleground for fraud, waste, and abuse, while states are under more pressure than ever to avoid errors. Clearspeed closes the gap, helping agencies:

- Clear the legitimate majority quickly and flag high-risk cases for closer review
- Improve fraud detection for benefit trafficking, eligibility misrepresentation, and insider manipulation
- Support reduction of error rates and overpayments with an early fraud risk indicator for the individual

02

Medicare and Medicaid

Protect beneficiaries and billions of dollars

Get a clear picture of individual risk at critical touchpoints as a stronger line of defense for programs citizens depend on. Clearspeed helps agencies:

- Improve fraud detection for benefits filings, claims, or misrepresentation of events that affect eligibility
- Uncover indicators of provider fraud, including risks associated with fraudulent claims, upcoding, or submissions for false billings
- Detect insider risk, including buying and selling of beneficiary information, misusing or improper benefits assignment, or employee corruption

03

Treasury

Find hidden fraud, prevent collateral damage

Get refunds to legitimate taxpayers faster without burning investigative resources, and root fraud risk out early. Clearspeed helps:

- Find early indicators of fraud risk for tax return claims, e-file submissions, and preparer filings
- Reduce tax evasion and identity fraud risk through submission verification
- Improve the taxpayer experience by resolving low-risk cases quickly and more efficiently
- Reduce burden on agents with a real-time risk indicator, and reduce costly investigative workload

87%Reduction in the claims lifecycle

SEE CLIENT STORY

58%of claims paid faster

SEE CLIENT STORY

50%

Reduction in average claims handling time

Avg. across all clients

59%

Increase in immediate settlements

Allianz UK

## How Clearspeed protects the programs that protect the public

Clearspeed screens for risk at critical touchpoints, so the low-risk majority are cleared faster, case workers stay focused on the few that need a closer look, and agencies can better serve the millions of citizens who depend on them. A few yes-or-no questions, with analysis grounded in decades of neuroscience, give teams a clear read of who or what to trust early, while easing unnecessary friction.

## Financial fraud isn't just a government program problem. Read how Clearspeed is addressing risk in the financial services sector.

**Banking and financial services**

Learn More

## Immigration Security Solutions

Immigration and border protection

# Faster decisions, fewer threats, a nation secured

National security threats are growing more complex, diverse, and dangerous. Organized crime, trafficking, transnational risks, and illicit activity don’t wait – and neither should government agencies. Clearspeed provides real-time risk intelligence so agencies can screen more people and make decisions about who or what to trust, faster.

## The pressure to move faster is growing

Homeland security agencies deal with massive volumes of people, transactions, and interactions every single day – from border crossings and visa applications to recruits, vendors, and cleared personnel. Treating everyone with the same level of scrutiny is an operationally unsustainable burden – and today’s threats always find ways to exploit gaps in the system.

## Move faster while maintaining security standards

CLARITY

#### Confidence at the point of decision

Existing data and documents tell you what’s on record. Clearspeed’s real time trust layer gives you insight traditional systems can’t – with in-the-moment insight into who or what to trust.

Scale

#### Screen at scale for high-stakes security

The volumes of people needing screening at homeland security touchpoints like large events or border screening no longer need to create bottlenecks. Move the low-risk majority through quickly and confidently, without sacrificing the scrutiny that national security screening demands.

## Precision where data falls short

Limited or unreliable data creates dangerous gaps when you need to anticipate, detect, and disrupt the threat of adversaries, and when bringing mission-critical personnel into the fold. Get an accurate, in-the-moment picture of risk for individuals to better support the continuous flow of trusted people and commerce.

## A brief interaction. A complete decision layer for high-stakes missions.

01

The questions

A short set of yes-or-no questions, answered by participants at any stage.

02

The signal

Clearspeed analyzes for risk signals in the vocal response.

03

The indicator

You receive a clear risk indicator in real time.

Minimal risk

Clear with confidence

Move people forward, with less friction and fewer delays.

Elevated risk

Follow up for review

The individuals that need a closer look, get one.

## “This is the force multiplier we needed – this digital vetting tool helps us stay ahead of the threat and manage risk in ways not possible before. The tech is a game-changer.”

\- End user, OSI

## See how Clearspeed’s trust layer works across government use cases

Clearspeed provides an invaluable human risk indicator not available anywhere else. Traditional risk assessment tools work with information on file, or around an individual. Clearspeed is used in-the-moment. A few yes-or-no questions, with analysis grounded in decades of neuroscience, give teams a clear read of who or what to trust early, while easing unnecessary friction.

Request a demo

## Clearspeed is a new way to build trust where decisions happen

**Benefits program integrity**

Learn More

**Continuous monitoring and vetting programs**

Learn More

## Workers' Compensation Solutions

Workers' compensation

# Help injured workers get the care they need, faster

Injured workers deserve a fast, fair process to get the care they need and return to work. Clearspeed helps workers’ compensation teams reduce unnecessary friction while keeping risk of fraud in view throughout the claims journey.

## The workers who need care most shouldn't be last in line

When teams have to treat every claim with the same level of scrutiny, the cost lands on the people the system was built to support. Genuine claimants wait longer for care and a return-to-work decision. Investigator time gets stretched thin across cases that didn't need it. The backlog compounds with every new claim. By the time a high-risk claim reaches review, the cost has already grown.

## Triage that makes faster, fairer outcomes possible

SPEED

#### Low-risk claims shouldn't have to wait

When risk of fraud is assessed in seconds, trustworthy policyholders can move forward faster. Injured workers get quicker access to care, return-to-work decisions happen sooner, and the process creates less friction for the majority of people.

CLARITY

#### Rapid, individualized risk insights at first report

A risk indicator at first report of injury (FROI) lets teams move the genuine majority forward with confidence and focus follow-up where risk of fraud exists. The right claims get attention earlier, before volume starts to blur the picture.

SCALE

#### Same team, more coverage

Clearspeed screens for risk of fraud across intake, helping your team cover more claims without growing your headcount. Skilled investigators stay focused on the cases that warrant review, while the broader claims process keeps moving.

PRECISION

#### Get risk insights other tools miss

The signal reaches where claims data can't. At first report and throughout case management, teams get a clearer read on injury severity, co-conspiracy, and injury characterization: risk of fraud that wouldn't surface any other way.

## Return-to-work decisions shouldn't take longer than the recovery

01

The questions

A short set of yes-or-no questions, answered by the claimant at any point in the workers’ compensation claims journey.

02

The signal

Clearspeed analyzes for risk signals in the vocal response.

03

The indicator

You receive a clear risk indicator in real time.

Minimal risk

Fast-track to settlement

The claimant moves forward. No delay, no friction.

Elevated risk

Follow up for review

The cases that need a closer look, get one.

FIRST REPORT OF INJURY

**First report sets the beat**

Catching potential fraud early pays dividends. Miss it, and the costs compound. Clearspeed screens for risk of fraud at first report, giving teams a clearer read before the claim moves deeper into the process and complications take hold. The signal reveals early indicators of:

- Misrepresentation of how or when the injury occurred
- Undisclosed pre-existing conditions
- Exaggerated symptoms or severity
- Previous claims history

Learn More

CO-CONSPIRACY SCHEMES

### Fraud rarely travels alone

Workers' comp fraud isn't always a lone actor. Clearspeed screens for risk of fraud across the full claims network: employees, medical practitioners, and employers. The signal reveals early indicators of:

- Employee misclassification
- Payroll tax evasion
- Medical practitioner schemes
- Coworker collusion
- Bribery or corruption

Learn More

TEMPORARY TOTAL DISABILITY

### Recovery readiness clarity, from the source

A lot can change between first report and return to work. Clearspeed gives teams unique insight into current status without disrupting those on a genuine recovery path. It's a check-in, not a confrontation. The signal reveals early indicators of:

- Misrepresentation of ability to perform work duties
- Undisclosed outside income
- Failure to report return to work
- Non-cooperation with investigators

Learn More

Wherever a decision happens in the policy lifecycle, Clearspeed slots right in

Application

Underwriting

First notice of loss

Claims

Mid-term endorsements

Renewal

Pinnacol Assurance

**Three times the response rate**

Pinnacol tripled its voluntary response rate without adding burden to the claimant or the team.

Find out how

<2 min

From first question to final result

Standard Clearspeed process

50%

Reduction in claims handling time

Pinnacol Assurance

40%

Reduction in investigations spend

Pinnacol Assurance

## How Clearspeed makes dignity the default

Clearspeed screens for risk of fraud throughout the entire claim lifecycle. Genuine claimants move through faster, and the cases that warrant a closer look get one. That's triage working the way it should. A few yes-or-no questions, with analysis grounded in decades of neuroscience, give workers' compensation teams the visibility they need while easing unnecessary friction.

Request a Demo

## Risk of fraud doesn't stop at FROI

**CAT events**

Learn More

**Claims**

Learn More

## Insurance Underwriting Solutions

Underwriting

# Risk clarity before it hits the book

Most applications are straightforward. The process rarely treats them that way. Without a reliable signal for risk of fraud at the application stage, underwriters work through a queue rife with blind spots. Clearspeed provides risk clarity before it trickles into your book.

## Too many checks. Not enough signal.

To get the full picture at application, underwriters ask for more. More documents. More data. More follow-ups. Most applications don't need it. But without a reliable signal for risk of fraud upfront, there's no way to know which ones do. Moving faster on predictive and self-reported data alone brings its own cost. Risk of fraud enters the book.

## Triage that sharpens underwriting

Speed

### Low-risk applicants bind faster

When low-risk applications are identified early, they move through faster. Less friction for the applicant and streamlined insight for the underwriter.

Clarity

### Underwriters get clarity sooner

A risk indicator at the point of application gives underwriters a stronger basis for routing decisions. Straightforward applications move forward. The ones where risk of fraud is elevated get the closer review they warrant.

Scale

### The queue won't sort itself

Skilled underwriters spend time where it can change the outcome. Clearspeed screens at the point of application so expert attention lands on the applications that need it, helping them better assess for additional premium needs.

Flexible

### Reveal blind spots as circumstances change

The voice carries the signal wherever the policy goes. Surface indicators of risk of fraud at renewal, mid-term review, or whenever circumstances change. Premium leakage and exposure stay in check.

## Clearspeed surfaces risk of fraud before you commit

01

The questions

A short set of yes-or-no questions, answered by the applicant at the point of application.

02

The signal

Clearspeed analyzes for risk signals in the vocal response.

03

The indicator

You receive a clear indicator of potential risk in real time.

Minimal risk

Route and approve

The application moves forward. No delay, no friction.

Elevated risk

Follow up for review

The applications that need a closer look, get one.

44%

Reduction in testing spend

Large US life insurer

45%

Increase in new risks captured

Large US life insurer

90%

Additional premium capture

Large US life insurer

## How Clearspeed enables trust across the policyholder lifecycle

Clearspeed screens for risk of fraud across the policyholder’s lifecycle, so genuine applicants move through fast and underwriters stay focused on the ones that need them. A few yes-or-no questions, with analysis grounded in decades of neuroscience, can right-size premiums across your book.

Request a Demo

## Risk of fraud doesn't stop at underwriting

**Workers' compensation**

Learn More

**Claims**

Learn More

## Trust Solutions for Government

Government

# Millions of decisions. All of them on the record.

## Government agencies make trust decisions at a scale and under a level of scrutiny few other sectors face. Every decision has to hold up to audit, oversight, and the public record.       Clearspeed adds the trust layer that helps the right decisions move forward, so dollars and effort stay with the programs and people they were meant to support.

## Government agencies have to balance access and accountability

In the public sector, screening carries a different kind of pressure. A process that places the full weight of caution on every case creates delays, absorbs caseworker time, and makes the majority carry a burden built for a much smaller group. Most people pose no meaningful risk. The process should reflect that.

## A simple interaction. A comprehensive trust layer.

Speed

#### A trust signal at the speed of the decision

Clearspeed gives caseworkers and reviewers fast insight into who to clear and who to look at more closely. Standards stay intact. The line keeps moving.

Scale

#### Built for scale older systems weren't

Clearspeed runs as an automated screening layer through existing infrastructure, scaling from hundreds of screenings to hundreds of thousands without growing the headcount behind the program.

Clarity

#### Surface what legacy systems miss

Clearspeed surfaces a risk signal that data alone cannot provide. Background checks, pattern detection, and prior history can help establish context. None of them tell you where the current level of risk stands with this person, at this moment. Closing the gap protects the mission, the program, and the people each program is meant to serve.

OBJECTIVITY

#### A fairer process for everyone

Most people screened present no meaningful risk. Clearspeed reflects that. Each person answers the same questions, measured the same way, in any language. Results don’t rely on profiles, prior history, or who is on the other side of the desk. Defensible across an audit. Consistent across regions, programs, and shifts.

## "As security threats evolve, so must the solutions designed to counter them. Clearspeed's AI-enabled voice analytics delivers outsized value for personnel vetting, insider threat mitigation, and enterprise security: where building trust quickly is paramount."

General David H. Petraeus (US Army, Ret.)Former CIA Director and Commander of U.S. Central Command

Vetting and continuous monitoring

**The backlog is the bottleneck**

Routine clearance decisions extend well beyond onboarding. A current trust signal surfaces concerns earlier, across the full employee and contractor lifecycle: initial screening, renewal, or any point between. The genuine majority keeps moving. The standard doesn't change. The backlog shrinks.

- Extend and renew clearances without extra delays
- Screen for corruption, data theft, and substance use risk
- Continuously screen personnel for developing insider risk
- Keep programs running while vetting continues in the background

Learn more

Immigration and border protection

**Unique insight where the data falls silent**

For officers at the border, the challenge isn't the volume of information. It's the lack of it. Records are limited, decisions are immediate, and the line keeps moving. Clearspeed gives officers a current trust signal at the point of contact, even when no file or database can provide one.

- Screen travelers and visa applicants for trafficking, drug, and weapons risk
- Surface counterterrorism risk that pattern detection misses
- Vet for counterintelligence risk from foreign national threats
- Assess border personnel and agents alongside travellers
- Protect national IP and sensitive technology from foreign acquisition risk

Learn More

Benefits program integrity

**Stop improper payments before they happen**

The federal government loses hundreds of billions annually to improper payments, not because agencies aren't trying, but because the model is wrong. Money goes out. Agencies chase it back. That approach doesn't scale. Clearspeed shifts the decision point to the front door. Before funds move, agencies can quickly clear the majority of legitimate applicants and route the small subset that warrants review to human attention. This enables faster processing for those who qualify and sharper focus for investigators.

- Screen benefits applicants and claimants for risk indicators at the point of entry
- Clear eligible recipients faster while flagging cases that need a closer look
- Support Medicaid redetermination and continuous eligibility review at scale
- Reduce SNAP error rates and the state accountability consequences they trigger
- Extend investigative capacity without expanding headcount

Learn More

Financial fraud, waste, and abuse

**Find the drain at every entry point**

Financial fraud reaches the government through more than benefits programs. Procurement contracts, tax filings, trade transactions, insider corruption: each one drains program dollars in different ways. Clearspeed adds a current trust signal at the high-leverage decision points so investigators can spend their time where the dollars actually leave.

- Surface fraud risk in trade and commercial transactions
- Flag procurement fraud and contract abuse risk
- Screen employees continuously for insider fraud and corruption risk
- Identify hidden risk indicators on tax returns

Learn More

## How it works

01

The questions

The individual responds to a short set of objective yes-or-no questions.

02

The signal

Clearspeed analyzes for risk signals in the vocal response.

03

The indicator

You receive a clear risk indicator in seconds.

Minimal risk

Clear to proceed

The case advances. Standards upheld, timeline intact.

Elevated risk

Follow up for review

The cases that need a closer look, get one.

## Built to fit your workflow, not rebuild it

Government agencies run some of the most complex IT environments in the world. Clearspeed integrates with existing infrastructure and security architecture, so agencies can add a current trust signal without reworking what is already in place.

##### API connection

Connects to your existing systems via a secure REST API. Results come back in seconds, directly in your stack.

##### Any point of contact

Phone, mobile, web portal, call center, field application. Clearspeed works across the channels you already support.

##### Across every program

Vetting, onboarding, periodic review, renewal. Start where the need is greatest and expand from there.

95%

Reduction in vetting cycle time

SOCOM

82%

Claims accelerated for immediate payment

Intact

200%

Increase in fraud referrals

Allianz UK

## Ready to bring real-time trust into your workflows?

Most government deployments begin with a focused pilot: one use case, one program, measurable outcomes. From there, Clearspeed expands across the programs and populations that need it most.

Request a Demo

## Streamlined Claims Experience

Claims

# Better claims start with getting to trust faster

The faster a claim moves, the better it feels for the policyholder. The safer it moves, the better it is for the insurer. Too often, those goals pull in opposite directions. Clearspeed helps bring them back together.

## Without real-time insight into potential fraud, the cost of closer review can fall on every policyholder

At first notice of loss, a new claim looks like any other claim. Current triage relies on complexity and dated fraud indicators, not a real-time read on who actually needs a closer look. So every claim gets pushed through more rigor than it may actually require. Genuine claimants wait longer than they should, while the claims that need more attention can still get lost in the shuffle.

## What changes when policyholders get the experience they deserve

##### Most policyholders get the green light faster

The genuine majority clears faster at any point in the lifecycle, with less friction and a process that feels fair. The result is a better experience for most policyholders and more room for teams to focus where it matters.

##### Take on any surge without missing a beat

Your operation keeps moving, whatever the volume. A CAT event, a renewal surge, a busy claims period: Clearspeed handles it without adding to your headcount or sacrificing speed. Fully automated, running through whatever infrastructure you already have.

##### Treat every voice the same

Every policyholder gets the same automated questionnaire, assessed the same way, regardless of claim size, channel, or circumstance. The vocal characteristics Clearspeed reads are universal and unbiased, with no PII needed. Results are consistent and defensible across the full policy lifecycle.

##### An insight no record can give you

Pattern detection tells you what someone has done. It can’t tell you what is happening right now. Across the policy lifecycle, Clearspeed gives teams a real-time read. The signal no database holds and no history can ever predict.

Speed

### A faster path to resolution

Every day a genuine claim sits in a queue costs you time, money, and goodwill. Clearspeed moves low-risk claims forward faster so those costs come down and customer satisfaction goes up.

Clarity

### Early triage changes everything

When risk of fraud is assessed early, everything downstream gets easier. Trustworthy claims move forward without delay, the cases that need a closer look get one, and your team stops working through a queue that was never prioritized.

Scale

### Investigators can focus where it counts

Wasted review cycles don't scale. Clearspeed gives adjusters and investigators a clearer starting point and the confidence to act on it.

Reach

### Layers onto your claims platform, not over it

Clearspeed connects to your existing claims platform via API, works across whatever intake channels you already support, and returns results in real time. Your tech stack stays intact while you gain a new layer of intelligence.

## A few questions tell you what weeks of review can't

01

The questions

A short set of yes-or-no questions, answered by the claimant at first contact.

02

The signal

Clearspeed analyzes responses for vocal characteristics associated with risk.

03

The indicator

You receive a clear indicator of potential risk in real time.

Minimal risk

Fast-track to settlement

The customer moves forward. No delay, no friction.

Elevated risk

Follow up for review

The cases that need a closer look, get one.

Wherever a decision happens in the policy lifecycle, Clearspeed slots right in

Application

Underwriting

First notice of loss

Claims

Mid-term endorsements

Renewal

87%Reduction in the claims lifecycle

See client story

"The Clearspeed technology is game-changing in terms of what it can do in the claims validation cycle. Where you can use tech to validate with a high degree of confidence, that has a massive impact in our world.”

See client story

60+

Languages across 37 countries

50%

Average reduction in claims handling time

Clearspeed customer avg.

65%

Averaged reduction in claims investigation spend

Clearspeed customer avg.

## The signal current claims systems are missing

Most tools rely on records, patterns, and history. No other technology gives insurers the kind of real-time, individualized picture Clearspeed does. It helps teams move genuine claims forward with confidence, or shift quickly into closer review, reducing cycle time and keeping the process moving.

Request a Demo

## Risk of fraud doesn't stop at the claim

**Underwriting**

Learn More

**CAT events**

Learn More

## Request a Demo

# Request a Demo

See Clearspeed in actionJoin the commercial, government, and defense organizations embedding an intelligent trust layer into their decision-making. Real-time, individualized risk assessment at scale - in a short demo, we’ll show you how Clearspeed can work for you.

First Name\*

Last Name\*

Business Email\*

Company Name\*

Job Title

Use Case

How did you hear about us?

Request Now

## Clearspeed Privacy Policy

# Privacy Policy

Last Updated: February 1, 2025 This Privacy Notice is designed to help you understand how Clearspeed (“Clearspeed”) collects, uses, and shares your personal information and to help you understand and exercise your privacy rights.

01. Scope
02. Personal information we collect
03. How we use your information
04. How we disclose your information
05. Your privacy choices and rights
06. Security of your information
07. International data transfers
08. Retention of personal information
09. Supplemental notice for california residents
10. Supplemental notice for nevada residents
11. Children’s information
12. Other provisions
13. Contact us

### 1\. Scope

This Privacy Notice applies to personal information processed by us, including on our websites and other online or offline offerings. To make this Privacy Notice easier to read, our websites and other offerings are collectively called the “Services.”

An Important Note: This Privacy Notice does not apply to any of the personal information that we process on behalf of our customers through their use of Clearspeed’s Services (“Customer Data”). Our customers’ respective privacy policies govern their collection and use of Customer Data. Our processing of Customer Data is governed by the contracts that we have in place with our customers, not this Privacy Notice. Any questions or requests relating to Customer Data should be directed to our customer.

### 2\. Personal Information We Collect

The categories of personal information we collect depend on how you interact with us, our Services, and the requirements of applicable law. We collect information that you provide to us, information we obtain automatically when you use our Services, and information from other sources such as third-party services and organizations, as described below.

#### A. Information You Provide to Us Directly

We may collect the following personal information that you provide to us.

- **Account Creation.** We may collect information when you create an account, such as name, email address, and details about your employer.
- **Purchases.** We may collect personal information and details associated with your transactions with Clearspeed, including payment information. Any payments made via our Services are processed by third-party payment processors. We do not directly collect or store any payment card information entered through our Services, but we may receive information associated with your payment card information (e.g., your billing details).
- **Your Communications with Us.** We may collect personal information, such as email address, phone number, or mailing address when you request information about our Services, register for our newsletter or loyalty program, request customer or technical support, apply for a job, or otherwise communicate with us.
- **Surveys.** We may contact you to participate in surveys. If you decide to participate, you may be asked to provide certain information which may include personal information.
- **Interactive Features.** We and others who use our Services may collect personal information that you submit or make available through our interactive features (e.g., messaging and chat features, commenting functionalities, forums, blogs, and social media pages). Any information you provide using the public sharing features of the Services (referred to herein as “User Content”) will be considered “public,” unless otherwise required by applicable law, and is not subject to the privacy protections referenced herein.
- **Conferences, Trade Shows, and Other Events.** We may collect personal information from individuals when we attend conferences, trade shows, and other events.
- **Business Development and Strategic Partnerships.** We may collect personal information from individuals and third parties to assess and pursue potential business opportunities.
- **Job Applications.** We may post job openings and opportunities on our Services. If you reply to one of these postings by submitting your application, CV and/or cover letter to us, we will collect and use your information to assess your qualifications.

#### B. Information Collected Automatically

We may collect personal information automatically when you use our Services:

- **Automatic Data Collection.** We may collect certain information automatically when you use our Services, such as your Internet protocol (IP) address, user settings, MAC address, cookie identifiers, mobile carrier, mobile advertising and other unique identifiers, browser or device information, location information (including approximate location derived from IP address), and Internet service provider. We may also automatically collect information regarding your use of our Services, such as pages that you visit before, during and after using our Services, information about the links you click, the types of content you interact with, the frequency and duration of your activities, and other information about how you use our Services.
- **Cookies, Pixel Tags/Web Beacons, and Other Technologies.** We, as well as third parties that provide content, advertising, or other functionality on our Services, may use cookies, pixel tags, local storage, and other technologies (“Technologies”) to automatically collect information through your use of our Services.
- **Cookies.** Cookies are small text files placed in device browsers that store preferences and facilitate and enhance your experience.
- **Pixel Tags/Web Beacons.** A pixel tag (also known as a web beacon) is a piece of code embedded in our Services that collects information about engagement on our Services. The use of a pixel tag allows us to record, for example, that a user has visited a particular web page or clicked on a particular advertisement. We may also include web beacons in e-mails to understand whether messages have been opened, acted on, or forwarded.

Our uses of these Technologies fall into the following general categories:

- **Operationally Necessary.** This includes Technologies that allow you access to our Services, applications, and tools that are required to identify irregular website behavior, prevent fraudulent activity and improve security or that allow you to make use of our functionality;
- **Performance-Related.** We may use Technologies to assess the performance of our Services, including as part of our analytic practices to help us understand how individuals use our Services (see Analytics below);
- **Functionality-Related.** We may use Technologies that allow us to offer you enhanced functionality when accessing or using our Services. This may include identifying you when you sign into our Services or keeping track of your specified preferences, interests, or past items viewed;
- **Advertising- or Targeting-Related.** We may use first party or third-party Technologies to deliver content, including ads relevant to your interests, on our Services or on third-party websites.

See “Your Privacy Choices and Rights” below to understand your choices regarding these Technologies.

- **Analytics.** We may use Technologies and other third-party tools to process analytics information on our Services. Some of our analytics partners include:
- **Google Analytics.** For more information, please visit Google Analytics’ Privacy Policy. To learn more about how to opt-out of Google Analytics’ use of your information, please click here.

#### C. Information Collected from Other Sources

We may obtain information about you from other sources, including through third-party services and organizations. For example, if you access our Services through a third-party application, such as an app store, a third-party login service, or a social networking site, we may collect information about you from that third-party application that you have made available via your privacy settings.

#### 3\. How We Use Your Information

We use your information for a variety of business purposes, including to provide our Services, for administrative purposes, and to market our products and Services, as described below.

#### A. Provide Our Services

We use your information to fulfill our contract with you and provide you with our Services, such as:

- Managing your information and accounts;
- Providing access to certain areas, functionalities, and features of our Services;
- Answering requests for customer or technical support;
- Communicating with you about your account, activities on our Services, and policy changes;
- Processing your financial information and other payment methods for products or Services purchased;
- Processing applications if you apply for a job we post on our Services; and
- Allowing you to register for events.

#### B. Administrative Purposes

We use your information for various administrative purposes, such as:

- Pursuing our legitimate interests such as direct marketing, research and development (including marketing research), network and information security, and fraud prevention;
- Detecting security incidents, protecting against malicious, deceptive, fraudulent or illegal activity, and prosecuting those responsible for that activity;
- Measuring interest and engagement in our Services;
- Improving, upgrading or enhancing our Services;
- Developing new products and Services;
- Ensuring internal quality control and safety;
- Authenticating and verifying individual identities, including requests to exercise your rights under this policy;
- Debugging to identify and repair errors with our Services;
- Auditing relating to interactions, transactions and other compliance activities;
- Enforcing our agreements and policies; and
- Complying with our legal obligations.

#### C. Marketing and Advertising our Products and Services

We may use personal information to tailor and provide you with content and advertisements. We may provide you with these materials as permitted by applicable law.

Some of the ways we market to you include email campaigns, custom audiences advertising , and “interestbased” or “personalized advertising,” including through cross-device tracking.

If you have any questions about our marketing practices, you may contact us at any time as set forth in “Contact Us” below.

#### D. Administrative Purposes

We also use your information for other purposes as requested by you or as permitted by applicable law.

- **Consent.** We may use personal information for other purposes that are clearly disclosed to you at the time you provide personal information or with your consent.
- **De-identified and Aggregated Information.** We may use personal information and other information about you to create de-identified and/or aggregated information, such as de-identified demographic information, de-identified location information, information about the device from which you access our Services, or other analyses we create.
- **Share Content with Friends or Colleagues.** Our Services may offer various tools and functionalities. For example, we may allow you to provide information about your friends through our referral services. Our referral services may allow you to forward or share certain content with a friend or colleague, such as an email inviting your friend to use our Services. Please only share with us contact information of people with whom you have a relationship (e.g., relative, friend neighbor, or co-worker).

### 4\. How We Disclose Your Information

We disclose your information to third parties for a variety of business purposes, including to provide our Services, to protect us or others, or in the event of a major business transaction such as a merger, sale, or asset transfer, as described below.

#### A. Disclosures to Provide our Services

The categories of third parties with whom we may share your information are described below.

- **Service Providers.** We may share your personal information with our third-party service providers who use that information to help us provide our Services. This includes service providers that provide us with IT support, hosting, payment processing, customer service, and related services.
- **Our Customers (Authorized Users Only).** In cases where you use our Services as an authorized user of our customer, that customer may access information associated with your use of the Services including usage data and the contents of the communications and files associated with your account. Your personal information may also be subject to the customer’s privacy policy. We are not responsible for the customer’s processing of your personal information.
- **Business Partners.** We may share your personal information with business partners to provide you with a product or service you have requested. We may also share your personal information to business partners with whom we jointly offer products or services.
- **Affiliates.** We may share your personal information with our company affiliates.
- **Advertising Partners.** We may share your personal information with third-party advertising partners. These third-party advertising partners may set Technologies and other tracking tools on our Services to collect information regarding your activities and your device (e.g., your IP address, cookie identifiers, page(s) visited, location, time of day). These advertising partners may use this information (and similar information collected from other services) for purposes of delivering personalized advertisements to you when you visit digital properties within their networks. This practice is commonly referred to as “interest-based advertising” or “personalized advertising.”
- **APIs/SDKs.** We may use third-party application program interfaces (“APIs”) and software development kits (“SDKs”) as part of the functionality of our Services. For more information about our use of APIs and SDKs, please contact us as set forth in “Contact Us” below.

#### B. Disclosures to Protect Us or Others

We may access, preserve, and disclose any information we store associated with you to external parties if we, in good faith, believe doing so is required or appropriate to: comply with law enforcement or national security requests and legal process, such as a court order or subpoena; protect your, our, or others’ rights, property, or safety; enforce our policies or contracts; collect amounts owed to us; or assist with an investigation or prosecution of suspected or actual illegal activity.

#### C. Disclosure in the Event of Merger, Sale, or Other Asset Transfers

If we are involved in a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, purchase or sale of assets, or transition of service to another provider, your information may be sold or transferred as part of such a transaction, as permitted by law and/or contract.

### 5\. Your Privacy Choices and Rights

**Your Privacy Choices.** The privacy choices you may have about your personal information are determined by applicable law and are described below.

- **Email and Telephone Communications.** If you receive an unwanted email from us, you can use the unsubscribe link found at the bottom of the email to opt out of receiving future emails. Note that you will continue to receive transaction-related emails regarding products or Services you have requested. We may also send you certain non-promotional communications regarding us and our Services, and you will not be able to opt out of those communications (e.g., communications regarding our Services or updates to our Terms or this Privacy Notice). We process requests to be placed on do-not-mail, do-not-phone, and do-not-contact lists as required by applicable law.
- **Text Messages.** You may opt out of receiving text messages from us by following the instructions in the text message you have received from us or by otherwise contacting us.
- **“Do Not Track.”** Do Not Track (“DNT”) is a privacy preference that users can set in certain web browsers. Please note that we do not respond to or honor DNT signals or similar mechanisms transmitted by web browsers.
- **Cookies and Interest-Based Advertising.** You may stop or restrict the placement of Technologies on your device or remove them by adjusting your preferences as your browser or device permits. However, if you adjust your preferences, our Services may not work properly. Please note that cookie-based opt-outs are not effective on mobile applications. However, you may opt-out of personalized advertisements on some mobile applications by following the instructions for Android, iOS and others.

The online advertising industry also provides websites from which you may opt out of receiving targeted ads from data partners and other advertising partners that participate in self-regulatory programs. You can access these and learn more about targeted advertising and consumer choice and privacy by visiting the Network Advertising Initiative, the Digital Advertising Alliance, the European Digital Advertising Alliance, and the Digital Advertising Alliance of Canada.

Please note you must separately opt out in each browser and on each device.

Your Privacy Rights. In accordance with applicable law, you may have the right to:

- **Access Personal Information about you, including:** (i) confirming whether we are processing your personal information; (ii) obtaining access to or a copy of your personal information; and (iii) receiving an electronic copy of personal information that you have provided to us, or asking us to send that information to another company (the “right of data portability”);
- **Request Correction** of your personal information where it is inaccurate or incomplete. In some cases, we may provide self-service tools that enable you to update your personal information;
- **Request Deletion** of your personal information;
- **Request Restriction** of or Object to our processing of your personal information; and
- **Withdraw your Consent** to our processing of your personal information.

If you would like to exercise any of these rights, please contact us as set forth in “Contact Us” below. We will process such requests in accordance with applicable laws.

### 6\. Security Of Your Information

We take steps to ensure that your information is treated securely and in accordance with this Privacy Notice. Unfortunately, no system is 100% secure, and we cannot ensure or warrant the security of any information you provide to us. To the fullest extent permitted by applicable law, we do not accept liability for unauthorized disclosure.

By using our Services or providing personal information to us, you agree that we may communicate with you electronically regarding security, privacy, and administrative issues relating to your use of our Services. If we learn of a security system’s breach, we may attempt to notify you electronically by posting a notice on our Services, by mail or by sending an email to you.

### 7\. International Data Transfers

All information processed by us may be transferred, processed, and stored anywhere in the world, including, but not limited to, the United States or other countries, which may have data protection laws that are different from the laws where you live. We endeavor to safeguard your information consistent with the requirements of applicable laws.

### 8\. Retention of personal information

We store the personal information we collect as described in this Privacy Notice for as long as you use our Services or as necessary to fulfill the purpose(s) for which it was collected, provide our Services, resolve disputes, establish legal defenses, conduct audits, pursue legitimate business purposes, enforce our agreements, and comply with applicable laws.

### 9\. Supplemental notice for california residents

This Supplemental California Privacy Notice only applies to our processing of personal information that is subject to the California Consumer Privacy Act of 2018 (“CCPA”). The CCPA provides California residents with the right to know what categories of personal information Clearspeed has collected about them and whether Clearspeed disclosed that personal information for a business purpose (e.g., to a service provider) in the preceding 12 months. California residents can find this information below:

| Category of Personal Information Collected by Clearspeed | Categories of Third Parties Personal Information is Disclosed to for a Business Purpose |
| --- | --- |
| Identifiers | - Service providers<br>- Our customer (only as it relates to personal information about our customer’s authorized users)<br>- Advertising partners |
| Personal information categories listed in Cal. Civ. Code §1798.80(e) | - Service providers<br>- Our customer (only as it relates to personal information about our customer’s authorized users) |
| Commercial information | - Service providers<br>- Our customer (only as it relates to personal information about our customer’s authorized users) |
| Internet or other electronic network activity | - Service providers<br>- Our customer (only as it relates to personal information about our customer’s authorized users) |
| Professional or employment-related information | - Service providers<br>- Our customer (only as it relates to personal information about our customer’s authorized users) |
| Inferences drawn from other personal information to create a profile about a consumer | - Service providers<br>- Advertising partners |

The categories of sources from which we collect personal information and our business and commercial purposes for using personal information are set forth above.

### Additional Privacy Rights for California Residents

“Sales” of Personal Information under the CCPA. For purposes of the CCPA, Clearspeed does not “sell” personal information, nor do we have actual knowledge of any “sale” of personal information of minors under 16 years of age.

Non-Discrimination. California residents have the right not to receive discriminatory treatment by us for the exercise of their rights conferred by the CCPA.

Authorized Agent. Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. To designate an authorized agent, please contact us as set forth below.

Verification. When you make a request, we will ask you to provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative, which may include confirming the email address associated with any personal information we have about you.

If you are a California resident and would like to exercise any of your rights under the CCPA, please Contact Us as set forth below. We will process such requests in accordance with applicable laws.

### 10\. Supplemental Notice For Nevada Residents

If you are a resident of Nevada, you have the right to opt-out of the sale of certain personal information to third parties who intend to license or sell that personal information. Please note that we do not currently sell your personal information as sales are defined in Nevada Revised Statutes Chapter 603A. If you have any questions, please contact us as set forth below.

### 11\. Children’s Information

The Services are not directed to children under 13 (or other age as required by local law), and we do not knowingly collect personal information from children.

If you are a parent or guardian who believes your child has uploaded personal information to our site without your consent, you may contact us as described in “Contact Us” below. If we become aware that a child has provided us with personal information in violation of applicable law, we will delete any personal information we have collected, unless we have a legal obligation to keep it, and terminate the child’s account if applicable.

### 12\. Other Provisions

Third-Party Websites/Applications. The Services may contain links to other websites/applications and other websites/applications may reference or link to our Services. These third-party services are not controlled by us. We encourage our users to read the privacy policies of each website and application with which they interact. We do not endorse, screen or approve, and are not responsible for, the privacy practices or content of such other websites or applications. Providing personal information to third-party websites or applications is at your own risk.

Supervisory Authority. If you are located in the European Economic Area, Switzerland, or the United Kingdom, you have the right to lodge a complaint with a supervisory authority if you believe our processing of your personal information violates applicable law.

Changes to our Privacy Notice. We may revise this Privacy Notice from time to time in our sole discretion. If there are any material changes to this Privacy Notice, we will notify you as required by applicable law. You understand and agree that you will be deemed to have accepted the updated Privacy Notice if you continue to use our Services after the new Privacy Notice takes effect.

### 13\. Contact Us

If you have any questions about our privacy practices or this Privacy Notice, or to exercise your rights as detailed in this Privacy Notice, please contact us at:

Clearspeed

555 West Beech Street, Suite 502

San Diego, CA 92101

privacy@clearspeed.com

## Clearspeed Use Cases

# Use case library

Explore how Clearspeed solutions are being used across different industries and scenarios.

AllBankingGovernment and DefenseInsuranceSports integrity

Insurance

**Workers’ Compensation Return to Work**

READ MORE Insurance

**Coastal P&C: Navigating Troubled Insurance Waters**

READ MORE Government and Defense

**Accelerated Drug Screening - Enterprise**

READ MORE Government and Defense

**Optimize Risk Screening for Large-Scale Events**

READ MORE Insurance

**Workers’ Compensation Claims**

READ MORE Insurance

**Voice-Based Risk Assessment for Catastrophic Events**

READ MORE Insurance

**Workers Compensation Case Management**

READ MORE Insurance

**Simplify the Path for Life Underwriting Applicants, Not Fraud**

READ MORE Insurance

**Auto Underwriting: Elevate Trust Across the Auto Policyholder Journey**

READ MORE Banking

**Authorized Push Payment Fraud**

READ MORE Banking

**Chargeback Fraud**

READ MORE Sports integrity

**Championing Competitive Fairness**

READ MORE Government and Defense

**Optimizing Risk Screening for Customs and Border Protection**

READ MORE Government and Defense

**Real-Time Risk Screening for SNAP Program Integrity**

READ MORE Government and Defense

**Optimized Risk Screening for Medicare and Medicaid Program Integrity**

READ MORE Government and Defense

**Quickly Identify Fraud, Waste, and Abuse at Scale by Department**

READ MORE Government and Defense

**Quickly Identify Fraud, Waste, and Abuse at Scale by Application**

READ MORE Government and Defense

**Drug Screening**

READ MORE Government and Defense

**Trust Dominance**

READ MORE

## Clearspeed FAQ

# Frequently asked questions

Answers to common questions about how Clearspeed works, integrates, and differs from other approaches.

## FAQ

What clients and sectors does Clearspeed support?

Clearspeed works wherever organizations need a precise assessment of risk to extend trust at
scale, with clients across insurance and banking, government and defense, and sports integrity.

How does Clearspeed use AI?

Clearspeed’s custom AI solution enhances and scales the application of our high-precision
model, delivering consistent, validated risk assessments for customers at any scale. We took
the visual and audio intelligence from our human experts and encoded this in artificial
intelligence to effectively and accurately deliver results at scale. AI is not used to form any
decision on scoring. Read more about Clearspeed’s approach to AI from our CEO Alex Martin.

Does Clearspeed recommend action or make decisions on our behalf?

Clearspeed identifies elevated risk; it does not make decisions, confirm fraud, or replace human
judgment. Our trust insights simply inform the decision process, allowing clients to clear low-risk
more quickly, and focus their resources where potential risk is flagged.

How do you address potential bias?

Clearspeed assesses universal vocal characteristics that are present across every language,
geography, and demographic. We assess the risk associated with the information a person
provides, not who they are. No personal identifiers, historical data, or demographic profiles are
used or required. The result is an objective risk indicator that works the same way for everyone
to avoid potential bias.

How do we integrate Clearspeed?

Clearspeed can be integrated within any system with open API capabilities, meaning it fits into
existing workflows without requiring infrastructure changes. Our team will work with you to
identify the optimal integration point.

Do you require external data for your technology to work properly?

Clearspeed does not require external data for its technology to work properly, and that’s exactly
what sets us apart from other risk solutions. We’re a primary measure, not a model, so we don’t
require personally identifiable information (PII), historical data, or other external generalized
data points. Instead we only screen and analyze the real-time response of an individual to a few
simple yes/no questions.

Is Clearspeed GDPR-compliant?

Clearspeed is GDPR-compliant and operating across six continents.

Does Clearspeed require a customer’s personal data?

No. Clearspeed requires no PII or personal identifiers to generate a risk indicator, it is
purpose-built to support privacy-first deployment. For more information, visit our Privacy Policy.

Can Clearspeed detect recorded, artificial, synthetic and other types of counterfeit or
suspicious voice responses?

Yes. Clearspeed identifies non-human, synthetic, and counterfeit voice responses - including
AI-generated audio. The capability is operationally validated and continues to advance as the
threat evolves.

How does Clearspeed differ from a polygraph?

Unlike polygraphs, Clearspeed does not measure truthfulness or detect deception. Rather, our
approach is objective and unbiased, assessing for indications of potential risk and to what
degree without invasive physical hooks-ups or human intervention or analysis. We help you
determine who should proceed to the next stage of your process, and who should be paused for
further scrutiny. Read more here.

## Ready to see how Clearspeed decodes the signal in the voice?

Explore Technology

## Trust as Infrastructure

Trust Faster

# Trust as infrastructure

## In the AI era, trust is harder to earn, easier to lose, and more valuable than ever

For decades, organizations built trust through records, patterns, and time. AI has compressed all of it. Information is abundant. Verification is not. A generated identity, a deepfake, a synthetic application: the inputs traditional systems were built to verify can now be manufactured at scale. The hard part of every trust decision is no longer access to information. It is knowing what and who is real.

That is the defining constraint of the AI era. Old systems answered the pressure with more friction for everyone. Clearspeed exists to give organizations a different answer. A signal that holds when records cannot, at the speed the decisions demand.

## What it takes to get to trust, faster

#### Build trust into the system

Technology is changing how trust decisions get made. The cost of standing still is its own kind of risk. But how leaders deploy risk technology matters as much as whether they deploy it at all. Organizations that get this right move the genuine majority forward faster while staying accountable to outcomes that are fair, ethical, and defensible. The trust gap only closes when the standard holds on both sides.

#### Break the speed-security paradigm

Risk decisions are often framed as a choice between speed and rigor. For many organizations, that tension shapes the process itself. Turn the dial toward speed and something gets missed. Move it toward rigor and the process becomes the problem. The assumption that you have to choose is deeply embedded in how risk decisions get made. We believe speed and trust belong together. The trade-off came from the tools. Better ones make both possible.

#### Scale trust to meet the moment

The pace of change is accelerating. Human nature is not. There will always be people working the system, and AI raises the stakes when they do. The right technology doesn't replace human expertise. It scales it. When risk assessment moves at the pace of the decisions it informs, it stops being a bottleneck and starts being core infrastructure. That's what closes the trust gap.

Podcast

**Listen to TrustFaster. Our podcast on risk, trust, and closing the gap between them.**

Join us for an in-depth interview series featuring voices from around the world. Each episode goes deep with the people working where risk and trust intersect in everyday life, and how better trust decisions get made under pressure.

Listen Now

Summit

**Inside the TrustFaster Summit**

The people meeting the challenge of trust at scale, across security, risk, policy, and technology, in one place. Find out what happened and how to be part of what's next.

Watch Now

## Trust and Defense

Defense

# Trust Dominance

## In contested environments, the side that extends trust faster holds the advantage

Defense depends on trust decisions where accuracy and speed are both non-negotiable. The pressure to get it right is matched only by the pressure to get it done.

## Current vetting was built for a different era

Vetting systems were designed to look backward: historical patterns, known profiles, prior behavior, and comprehensive in-person assessments. That creates delay for the majority and leaves room for sophisticated actors who know how to work around existing methods.

The result is a trade-off that has become accepted as inevitable: move fast and risk exposure, or slow down and stay safe. Clearspeed eliminates that tradeoff. Trust Dominance in practice.

## At the tactical edge, AI speeds up every decision except one: who to trust

AI accelerates the decision cycle at every level of defense. It does not change who still has to be trusted. The data is only as good as the source. As automation expands capability and synthetic content compromises identity, assessing the people in the chain becomes more critical. AI needs trusted inputs. Clearspeed adds the trust layer that makes those inputs possible.

## One brief interaction unlocks decisive trust advantages

Speed

#### Decisions at operational tempo

Risk indicators come back in seconds, so operators move the genuine majority forward without slowing operations down.

Clarity

#### A signal for the moment

Operators get a clearer read at the moment of decision, even in environments where background data is thin or unavailable. A few vocal responses to yes-or-no questions give them an individualized, current risk signal they can act on, even when the file has holes.

Objectivity

#### One standard, any operating environment

The same process applies across roles, regions, and languages, without relying on demographic data, profiles, or operator assumptions to screen for risk.

Reach

#### Field-ready from day one

Deploy through mobile or web link in environments where decisions are already being made, without adding heavy infrastructure or specialized staff.

Scale

#### Scale where other methods fail

Polygraph doesn't scale. Foreign intelligence isn't always available. Clearspeed gives defense organizations a way to extend trust at scale, not by lowering the standard but by changing what makes scale possible. Whether screening dozens of recruits or supporting continuous vetting across large populations, the standard holds.

## "The ability to conduct rapid and accurate risk assessments at scale is critical to maintaining national security in operating domains. As the DoW expands its mission set, solutions like Clearspeed will play an increasingly vital role in protecting personnel, assets, and classified information."

General David H. Petraeus (US Army, Ret.)Former CIA Director and Commander of U.S. Central Command

FOREIGN NATIONAL OPERATIONAL VETTING

**Secure operations by overcoming language and data barriers**

In defense environments, decisions don't wait for better conditions across languages, locations, or shifting operational realities. A current risk signal helps operators triage foreign personnel screening quickly, even when background information is limited, unreliable, or hard to verify.

- Advance the genuine majority faster and focus follow-up where risk is higher
- Reduce travel, logistics, and screening overhead
- Screen across 60+ languages without an interpreter
- Support vetting in embassies, security zones, and forward operating environments

Learn more

FIT FOR DUTY

**Stay ahead of yesterday’s status**

Operator readiness isn’t a guarantee. A current risk signal helps teams support fit-for-duty and continuous evaluation decisions without waiting for slower, more disruptive processes.

- Extend and renew personnel status with less delay
- Continuously screen for developing insider risk
- Surface mental wellness and substance use risk concerns earlier
- Support decisions that reflect current conditions, not outdated data

Learn more

VENDOR RISK MANAGEMENT

**Contracts don’t ensure trust. Vetting does.**

A vendor relationship doesn't end at signing. Subcontractors change, personnel turns over, and access to critical systems and information can shift faster than the record does. A current risk signal keeps pace, so nothing slips through between reviews.

- Screen third-party contractors and agents for reputational risk
- Surface regulatory and compliance risks early
- Identify inadequate security practices before they trigger a breach
- Screen subcontractors added after the original agreement

Learn more

## Proven in the field

Clearspeed has supported U.S. Department of War programs since its earliest defense deployments. US Special Operations Command (USSOCOM) has used it since 2018, beginning with the screening of 715 Afghan commando recruits in under 20 hours. Today, that work extends to force protection, partner force screening, assessment and selection, and insider threat programs across the globe.

>97%

Accuracy rate

SOCOM

95%

Reduction in vetting cycle time

SOCOM

65%

Reduction in investigations spend

SOCOM

## How it works

01

The questions

Personnel answer a short set of objective yes-or-no questions.

02

The signal

Clearspeed analyzes for risk signals in the vocal response.

03

The indicator

You receive a clear risk indicator in seconds.

Minimal risk

Clear to proceed

Personnel move forward. No delay, no friction.

Elevated risk

Follow up for review

The cases that need a closer look, get one.

## Built to optimize the workflow, not rebuild it

Defense organizations already have enough systems to manage. Clearspeed integrates with existing infrastructure and security architecture, so operators can add a current trust layer at the edge or in the enterprise without disrupting the systems already carrying operational weight.

##### API connection

Clearspeed connects to your existing systems via a secure REST API. Results come back in seconds, directly in your stack.

##### Any point of contact

Phone, mobile, tablet, secure web portal, field application — any voice-enabled device. Clearspeed works across the channels you already support. No new interface for personnel to learn.

##### Across every operation

Initial screening, foreign national vetting, continuous evaluation, clearance renewal. Start with one program and expand from there.

## Ready to bring real-time trust into your workflows?

Most government deployments begin with a focused pilot: one use case, one program, measurable outcomes. From there, Clearspeed expands across the programs and populations that need it most.

Request a demo

## Substance Screening Solutions

Substance screening

# The gap between what policy demands and what the process can deliver keeps growing

The standards for substance screening have changed. New substances, new methods, stricter thresholds. But the infrastructure built to support those requirements has not kept pace. Labs are backlogged. Newer methods still require physical sample collection. Systems built for occasional use are now expected to run continuously across large populations. The process still applies the same friction to everyone, even when the majority of people screened present no current risk.

## A risk indicator, not a lab report

Substance risk screening starts with a short set of yes-or-no questions, answered by voice on phone or web. The signal in the vocal response indicates the current level of risk in seconds. No sample required. No lab. No waiting. Works before, during, or after engagement.

## Screen on your timeline, not the lab's

Speed

#### Get faster answers with fewer delays

Full lab results can take days and require a physical sample. Clearspeed delivers a risk indicator in seconds with nothing to collect, so people get an answer faster and can get back to what they do: whether that's a mission, a shift, a project, or a competition.

Objectivity

#### Build a fairer process for the majority

Most people being screened present no current risk. The process should reflect that. A few questions. A fast result. An easier experience for the majority, with closer attention reserved for the smaller group that may warrant it.

Reach

#### Screen anyone, anywhere

Clearspeed works without taking people away from what they do. With 60+ language capability, Clearspeed can reach people anywhere a voice-enabled device works.

**Government**

Tackle substance abuse in civilian government, a leading indicator of broader security risk.

Learn More

**Defense**

Simplify routine substance screening for faster Fit for Duty results.

Learn More

**Sports Integrity**

Protect the integrity of sport with screening that is less invasive for participants and easier to scale.

Learn More

## Clearspeed Contact Page

# Contact Us

San Diego, CA 92101

email: info@clearspeed.com

Press Inquiriesemail: media@clearspeed.com

Get in touch

First Name\*

Last Name\*

Email\*

Company Name\*

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31X

ROI in year one

Seguros El Roble

95%

Reduction in vetting cycle time from 90 to 5 min.

SOCOM

3X

Response rate improvement

Pinnacol Assurance

## "The ability to conduct rapid and accurate risk assessments at scale is critical to maintaining national security in operating domains. As the DoW expands its mission set, solutions like Clearspeed will play an increasingly vital role in protecting personnel, assets, and classified information."

General David H. Petraeus (US Army, Ret.)Former CIA Director and Commander of U.S. Central Command

## Want deeper insights?

Request a Demo

## Trust and Innovation Podcasts

# Podcasts

Listen to conversations with industry leaders about trust, risk, and innovation

AllClearspeed: Trust FasterClearspeed x ITI: Trust TalksIn the Media

May 7, 2026

Clearspeed CEO Alex Martin on Will Cain podcast

Clearspeed CEO Alex Martin joins Will Cain Country to discuss how Clearspeed’s voice-based risk assessment technology is changing the way organizations identify risk — faster, more accurately, and at scale.

Listen

March 26, 2026

Winners' Circle Podcast with CRO Scott Moore: The "Light Bulb" Moment for Trust: Revolutionizing Risk Assessment with Clearspeed

Scott Moore, CRO at Clearspeed, shares the "light bulb" moment that led to a breakthrough in trust-based risk assessment, revolutionizing how organizations evaluate risk.

Listen

January 8, 2026

The Insurtech Leadership Podcast: Your Fraud Controls Are Taxing Your Best Customers

Clearspeed joins the Insurtech Leadership Podcast to discuss how fraud controls can inadvertently tax your best customers, and how voice-based risk assessment changes that equation.

Listen

October 10, 2025

Building customer trust through transparency and seamlessness \| Sarah Jacobs

With over 25 years at Nationwide, Sarah Jacobs, SVP of Personal Lines Product and Underwriting, shares how consumer needs, market shifts, and innovation are reshaping insurance. Sarah offers a front-row view into one of the industry’s most competitive spaces.

Listen

October 10, 2025

Insurance at a crossroads \| Bryan Falchuk

Author, podcast host, and PLRB President & CEO, Bryan Falchuk, explores the landscape of P&C insurance. Drawing on his advisory work and executive experience, Bryan explains why change is hard but irrelevance is worse - and what insurers must do to thrive in an era of rapid change.

Listen

October 10, 2025

Trust as a competitive advantage \| Kristoffer Lundberg & Alex Martin

Kristoffer Lundberg, Insurtech Insights CEO, and Alex Martin, Clearspeed CEO, team up on Trust Talks to discuss trends driving insurance, insurtechs, and why trust is paramount for success.

Listen

October 10, 2025

Countering trust erosion with a CX focus \| Mindy Chen and Brian Poppe

Brian Poppe, SVP of Income & Wealth Planning, and Mindy Chen, VP of AI & Analytics at Mutual of Omaha, join forces to discuss how legacy systems are eroding consumer trust, and how insurers can leverage data and AI to build trust and drive efficiency from the ground up.

Listen

October 10, 2025

Trust, AI, and the future of insurance \| Alexis Cierra Vaughn

Founder and CEO of Off-Course, Alexis Cierra Vaughn shares her journey as an insurance and insurtech expert, consultant, and adviser on Trust Talks, and digs in on how to better build trust in the claims experience.

Listen

October 10, 2025

The moment of truth and building consumer trust \| Andrew Leeds

Andrew Leeds, Chief Claims Officer at Plymouth Rock Assurance, brings over 20 years of expertise to the industry. Andrew explores what’s shaping claims today and how Plymouth Rock has been working diligently on the role that improving trust with customers can play.

Listen

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## Upcoming Industry Events

# Events

Join us at upcoming industry events

AllGovernment and defenseInsurance

Select CategoryAllGovernment and defenseInsurance

Aug 5, 2026 - Aug 6, 2026

## Border Security & Intelligence Summit

Convening senior DHS, CBP, law enforcement & intelligence leaders to tackle border threats and explore advanced security technologies.

📍 National Housing Center, Washington, DC

Event Details

Sep 29, 2026 - Oct 1, 2026

## ITC Vegas 2026

At ITC Vegas 2026, connect with the entire insurance ecosystem, 9,000+ pros and 500+ speakers share real-world strategies over 3 days.

📍 Mandalay Bay, Las Vegas, Las Vegas, NV

Event Details

## Video Collection

# Videos

Watch our collection of videos featuring industry insights, product demonstrations, and client success stories

AllInsuranceGovernment & DefenseIn the NewsOverviews

## Alex Martin featured on Fox Business

Watch Video

## Clearspeed at SOF Week 2026

Watch Video

## Screening and Vetting of Foreign Personnel

Watch Video

## Homeowners underwriting

Watch Video

## Trusted Risk Assessment

Watch Video

## How it Works

Watch Video

## For Auto Underwriting

Watch Video

## For Pet Claims

Watch Video

## For Auto and Property Claims

Watch Video

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## ClearSpeed Blog Insights

# Blog

Clearspeed and industry leaders explore opportunities for innovation in markets where trust at scale is essential.

AllEnterpriseGovernmentInsuranceDefense

July 2, 2026

**Rethinking the eligibility process for SNAP and Medicaid**

Rising improper payments and flat staffing are straining SNAP and Medicaid. Learn how a trust-forward eligibility model speeds up benefits without sacrificing program integrity.

by: Nate Curtis

READ MORE

May 6, 2026

**The state of P&C claims: What the data is telling us and how Clearspeed can help**

Leading carriers are deploying tools at the earliest stages of claims triage to fast-track low-risk claims and route high-risk ones for investigation, while most carriers still lack the technology maturity to do this consistently. Clearspeed provides a voice-based risk assessment layer deployable at FNOL across any line of business, and has already demonstrated enterprise-scale results.

by: Rebecca Falk

READ MORE

May 5, 2026

**The Real Story Behind the $186 Billion in Improper Government Payments**

The Government Accountability Office just released its latest tally on improper federal payments. The number for fiscal year 2025 is $186 billion, $24 billion more than the year before. Cumulatively, since 2003, the federal government has reported about $3 trillion in payments that should never have gone out the door. A handful of folks have sent me the report over the past few days, so I wanted to take a second to share my thoughts.

by: Alex Martin

READ MORE

April 29, 2026

**Fighting Financial Crime at Scale: How Clearspeed Supports the FATF's Global Mission**

On April 17, 2026, The Finance Ministers of the Financial Action Task Force (FATF) gathered in Washington, D.C. and signed a declaration that left no room for misinterpretation: the global fight against money laundering, terrorist financing, and fraud is becoming more intense. The tools used to combat these threats must keep pace, or we will collectively fail.

by: Aaron McIntosh

READ MORE

March 23, 2026

**Optimizing the future of life underwriting**

While polygraph and credibility assessment tools are often compared to Clearspeed, they operate on fundamentally different principles, deliver different outputs, and serve different operational needs. Clearspeed is a voice-based risk assessment technology. Its ability to detect, quantify, and evaluate characteristics in the voice that are directly correlated with risk is unique.

by: Rebecca Falk

READ MORE

December 17, 2025

**A look at Clearspeed Gives Back in 2025**

At Clearspeed, we believe that while businesses have a financial imperative to make confident decisions, they also have a moral responsibility to do good.

by: Rebecca Falk

READ MORE

October 28, 2025

**How insurance industry leaders are prioritizing trust in 2025**

At Insurtech Insights USA 2025, we spoke to a variety of industry leaders during the Trust Talks podcast series.

by: Rebecca Falk

READ MORE

August 18, 2025

**How Clearspeed differs from the polygraph**

While polygraph and credibility assessment tools are often compared to Clearspeed, they operate on fundamentally different principles, deliver different outputs, and serve different operational needs. Clearspeed is a voice-based risk assessment technology. Its ability to detect, quantify, and evaluate characteristics in the voice that are directly correlated with risk is unique.

by: Danielle Ng-See-Quan

READ MORE

June 26, 2025

**Building the mission-critical trust advantage**

Today Clearspeed announced its $60 M series D funding, led by Align Private Capital, with participation from IronGate Capital Advisors, Bravo Victor Venture Capital, and KBW Ventures.

by: Alex Martin

READ MORE

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## Want deeper insights?

Request a Demo

## Clearspeed Newsroom

# Newsroom

The latest news and press releases from Clearspeed

For media inquiries: media@clearspeed.com

AllMedia CoveragePress Release

July 13, 2026

**Washington Business Journal**

Two California tech firms open D.C.-area offices to be nearer to federal agencies

by: Shoba Lemoine

READ MORE

July 9, 2026

**Clearspeed Appoints Laurie Babinski as General Counsel**

Clearspeed, the leader in voice-based risk assessment technology, today announced the appointment of Laurie Babinski as General Counsel.

by: Shoba Lemoine

READ MORE

June 13, 2026

**Clearspeed advisor Don Blersch in The Hill**

Clearspeed advisor Don Blersch on the need for a prevention-first era of fraud management

by: Shoba Lemoine

READ MORE

June 13, 2026

**Clearspeed's Alex Martin on NewsNation Morning in America**

On NewsNation Morning in America, Clearspeed CEO and co-founder Alex Martin discusses why the future of fraud is about pre-payment risk detection.

by: Shoba Lemoine

READ MORE

June 3, 2026

**CFO Tech: It's time insurance seeks out next gen responsible technologies**

UK insurers face growing pressure under Consumer Duty to adopt technologies that are transparent, fair, and customer-centric. Voice-based risk assessment helps insurers detect potential misrepresentation while accelerating resolution for genuine customers.

by: Paula Milton

READ MORE

June 3, 2026

**Military.com: Marine Officer Built AI Trust Tool After Deadly Insider Attack in Afghanistan**

A deadly insider attack in Afghanistan inspired Alex Martin to create Clearspeed after witnessing firsthand the challenges of vetting partner forces in combat environments.

by: Shoba Lemoine

READ MORE

May 19, 2026

**Military Embedded Systems: Why Military AI Needs a “Trust Layer”**

Key Findings In this SOF Week 2026 discussion, Clearspeed CEO Alex Martin argues that military AI systems are only as effective as the human information fed into them.

by: Shoba Lemoine

READ MORE

May 11, 2026

**DC Journal: Modernizing Federal Benefit Integrity Before the Money Goes Out the Door**

Key Findings The federal government reported $186 billion in improper payments in FY2025, as fraud becomes faster and more scalable through AI-generated identities and synthetic documentation.

by: Shoba Lemoine

READ MORE

May 7, 2026

**Clearspeed CEO Alex Martin on Will Cain podcast**

Clearspeed CEO Alex Martin joins Will Cain Country to discuss how Clearspeed's voice-based risk assessment technology is changing the way organizations identify risk — faster, more accurately, and at scale.

by: Rebecca Falk

READ MORE

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## Voice-Based Risk Assessment

Technology

# The most valuable signal in any trust decision doesn't exist in a database. It lives in the voice.

## As AI scales fraud and makes legitimacy easier to mimic, teams need a clearer read on who to trust.

## Closing the trust gap at scale

Most risk assessment tools look backward. They search records and match patterns. Background checks tell you what someone has done. Pattern detection tells you what looks unusual. Credit scores tell you how someone has behaved. None of them can tell you what’s happening right now, in this moment, with this person.

That’s the gap. Bad actors learn to work the system. Genuine people absorb friction the moment doesn’t call for. Organizations make high-stakes decisions on too much history and not enough now.

Clearspeed closes that gap, enabling trust at scale with a signal no database can access.

## How the voice becomes a risk indicator in seconds

The Questions

#### A few yes-or-no questions

Someone answers a short set of automated yes-or-no questions over the phone or web. No one is on the other end, which means no interviewer bias and no variation from one assessment to the next. Just the same questions, asked the same way, every time. Simple by design, fair by default. Clearspeed does not analyze the answer itself. It reads the signal in the voice while the answer is being given, which is how it captures what other tools miss.

The Signal

#### What the voice reveals

The voice carries far more information than words alone can. When someone responds to a question of consequence, the brain reacts, producing specific, measurable changes in the voice. Clearspeed’s technology is grounded in decades of neuroscience research. Assessed against a proprietary data set developed over a decade, those involuntary changes reveal a reliable risk signal. It works the same way in 60-plus languages because the signal exists beyond words. And only Clearspeed can read it.

The Indicator

#### You take the next step

An indicator of potential risk comes back in seconds, delivered directly into your existing systems. From there, the genuine majority can move forward, and the people who need a closer look get one. Clearspeed does not make the decision for you. It gives your teams a clearer place to start.

## Trust intelligence in action

Turn a short set of questions into a risk indicator, anytime, anywhere.

01

The questions

Someone responds to a short set of objective yes-or-no questions.

02

The signal

Clearspeed analyzes responses for the vocal characteristics that carry the risk signal.

03

The indicator

You receive a clear indicator of potential risk in real-time.

Minimal risk

Clear to proceed

The person moves ahead. Less friction, no unnecessary delay.

Elevated risk

Follow up for review

The situations that need a closer look, get one.

## The signal at work

##### Fast

Risk moves fast. Your decisions should too. Most people get a faster, easier experience, and your teams more time where it matters. With Clearspeed, speed and accuracy aren't a trade-off. Both come from the signal in the voice.

##### Scalable

You can go from screening ten people a day to ten thousand. Clearspeed handles surges in demand without sacrificing speed, accuracy, or reliability. Fully automated, it runs through whatever infrastructure you already have.

##### Objective

Personal bias, past history, a bad day. Clearspeed removes those variables from the equation. Every person gets the same questions, measured the same way, whether they're in Kansas or Kandahar. The vocal characteristics Clearspeed measures are universal. The results are consistent and defensible.

##### Precise

Clearspeed flags risk at the question level, not just the situation level. That precision lets your team pinpoint concerns faster, spend less time chasing dead ends, and make the call with more confidence. A massive lift over what current data alone can give you.

## Layers onto your existing systems and process

Most risk tools come with a technology project attached. Clearspeed adds intelligence on top of what you already have, without touching what's already working.

##### API connection

Clearspeed connects to your existing systems via a secure REST API. Results come back in real time, in the Clearspeed application or directly in your stack.

##### Any point in your process

Wherever a trust decision is made, Clearspeed fits. Start where the need is greatest and expand from there.

##### Any voice-enabled channel

Web, call center, chat. Clearspeed works across the channels you already support. No new interface is required.

## Measuring the impact

31X

ROI in year one

Seguros El Roble

95%

Reduction in vetting cycle time from 90 to 5 min

SOCOM

3X

Response rate improvement

Pinnacol Assurance

## TrustFaster

See how Clearspeed turns the signal in the voice into faster trust decisions.

Request a Demo Contact Sales

## Tech Firms Expand

# Washington Business Journal

## Shoba Lemoine

\|

## July 13, 2026

BACK

#### **Story Highlights**

#### **What's This?**

- Clearspeed and Virtualitics opened D.C.-area offices to access federal decision makers.
- Clearspeed has raised $110 million and partnered with Carahsoft in May 2025.
- Virtualitics has raised $73 million in funding.

Two more out-of-state government contractors have set up shop in Greater Washington, joining a wave of tech companies expanding locally to be nearer to decision makers at federal agencies.

San Diego-based Clearspeed, which provides its AI-powered voice analysis tool for defense, banking, and insurance industries, opened a 5,000-square-foot in Chevy Chase office on July 1, the company said Monday.

And Virtualitics, a Pasadena, California, company that provides AI solutions for defense and government operations, has signed a lease for 3,000 square feet in Reston Station, Comstock Holding Companies Inc., Reston Station's owner, announced Friday.

The two companies join a growing cadre of tech firms securing office space around D.C. as the federal government, especially the Pentagon, continues to ramp up partnerships with emerging startups and tech firms.

Their expansion here also comes as the federal government is boosting its investments in in AI technologies.

“DC [is] where the dialogues shaping national security are happening, decisions are being made,” Clearspeed CEO and co-founder Alex Martin said in a statement to the Business Journal. “This is the center of gravity.”

Martin, a Marine Corps. veteran and former intelligence officer, co-founded Clearspeed in 2016 and one of the startup's first contracts was with the Department of Defense’s Special Operations Command. It May 2025, Clearspeed announced a partnership with Carahsoft, a Reston-based government IT provider that ranks among the D.C. region's largest federal contractors.

The company has raised $110 million to date, including $60 million in Series D funding round that closed last year. Clearspeed has roughly 100 employees, per Tracxn.

Clearspeed’s new Chevy Chase office is located at 2 Wisconsin Circle, a 235,000-square-foot property owned by CCLC, formerly Chevy Chase Land Co. It houses 15 employees there, spokesperson Shoba Lemoine, said in an email.

Virtualitics did not respond to a request for comment on how many employees will work at its new Reston office, located at 1900 Reston Metro Plaza.

In October 2024, Virtualitics signed a five-year, $46 million contract with the U.S. Air Force to supply AI-powered maintenance and intelligence solutions for multiple weapon systems. In May of this year, Virtualitics announced a partnership with OpenAI to integrate OpenAI’s frontier models into Iris, Virtualitics' agentic AI platform for high-stakes government, defense, and supply-chain operations.

"Northern Virginia is a critical hub for the communities we serve," Kristy Friedrichs, the company's recently appointed chief operating officer, said in a statement. "Establishing our Reston office strengthens our ability to collaborate more closely with customers, recruit exceptional talent, and continue scaling the delivery of our AI readiness capabilities that support mission success."

Virtualitics, which began as a research project at Caltech, was founded in 2016 by Michael Amori, Ciro Donalek, George Djorgovski, Scott Davidoff. The company has raised more than $73 million in venture capital funding and has roughly 150 employees, according to Tracxn.

Read article here.

## Laurie Babinski Appointed

# Clearspeed Appoints Laurie Babinski as General Counsel

## Shoba Lemoine

\|

## July 9, 2026

BACK

**Chevy Chase, MD — July 9, 2026** — Clearspeed, the global leader in voice-based risk assessment, today announced the appointment of Laurie Babinski as General Counsel. Babinski brings nearly two decades of legal and executive leadership experience from high-growth public and private technology companies, including roles as General Counsel at IonQ and Deputy General Counsel at Credit Karma.

Babinski will be based in the Washington, D.C. area, where Clearspeed has established a new primary office to support its growing public sector and defense business.

Prior to joining Clearspeed, Babinski served as General Counsel and Corporate Secretary at IonQ, where she led the company's legal organization and advised executive leadership and the board on corporate governance, strategic transactions, and business operations. Previously, she spent more than six years in legal leadership roles at Credit Karma after launching her career in private practice at BakerHostetler. Babinski earned her J.D. from Northwestern University Pritzker School of Law and a bachelor's degree in journalism and Spanish from Pepperdine University.

"Laurie has built an impressive career advising technology companies through important moments of growth and transformation," said Alex Martin, CEO and co-founder of Clearspeed. "Her experience, judgment, and collaborative leadership style make her an ideal fit for Clearspeed as we continue executing on our long-term vision of enabling trusted decisions."

"Clearspeed has built a differentiated technology that helps organizations assess risk and keep humans at the center of important decisions while AI transforms most digital interactions,” said Babinski. “I can’t think of a more timely and consequential challenge for organizations today, and I look forward to helping Clearspeed lead with innovation in this area."

## **About Clearspeed**

Founded in 2016, Clearspeed is the global leader in voice-based risk assessment. Its proprietary voice analytics technology detects the level of risk in a person’s voice based on vocal characteristics universal to all humans—enabling faster, more confident decisions in high-stakes environments. Initially developed for the U.S. Department of Defense, Clearspeed quickly exposes indicators of risk for government and military agencies. Commercially, it helps insurers, financial institutions, and other enterprises assess risks like fraud and insider threats, unlock operational savings, and elevate the customer experience. With broad applications, Clearspeed delivers bias-free, highly precise, individual risk assessment wherever achieving trust at scale is essential.

With offices in the Washington, D.C. area, San Diego, and internationally, Clearspeed is used in 37 countries and supports over 60 languages. The company has earned more than 30 industry awards, including CNBC’s World’s Top InsurTech Companies.

Learn more at www.clearspeed.com.

## Rethinking Eligibility Process

# Rethinking the eligibility process for SNAP and Medicaid

## Nate Curtis

\|

## July 2, 2026

BACK

Between 30 and 40 percent of Americans rely on Medicaid or SNAP at some point in their lives with combined federal spending approaching $1.7 trillion annually. This is foundational infrastructure, and it deserves to be run with the precision that scale demands. Every state administering SNAP and Medicaid is being asked to move faster while also making fewer errors — with the same staff, the same systems, and no new policy. That is a structural tension that cannot be resolved by adding headcount, and it is not a management problem.

Solving this high-stakes problem requires a new and different model for how states vet people as they apply for benefits — one that protects program integrity while meeting the needs of administrators and citizens alike. The technology to build that efficient model finally exists. This kind of trust-forward model will give administrators confidence that programs are being run with integrity, while giving applicants a faster, fairer path to the benefits they're entitled to. The will to use it is what we owe the people these programs were built to serve.

## **How we got here**

Tens of millions of Americans rely on SNAP, Medicaid, or both to put food on the table and access critical medical care. The vast majority of them are genuine and eligible, but are waiting much longer for food or medicine than they need to be.

The friction that slows everything down is that our system cannot distinguish the inputs to trust as people apply for help. Today’s system was engineered around a small cohort of bad actors, and unfortunately, every genuine applicant pays the cost.

We've built an enormous apparatus of verification around every applicant. Documentation requirements at intake. Interviews. Cross-checks against state and federal databases. Quality reviews on the back end. Each of these is a defensible response to a real risk that someone might misuse the program. Each of these also represents a delay and cost to a family that qualifies for much needed benefits.

The federal posture has now hardened. The Government Accountability Office (GAO) reported $186 billion in improper federal payments for fiscal year 2025, an increase of $24 billion over the prior year. Cumulatively, the federal government has paid out roughly $3 trillion in improper payments since 2003. Recent federal legislation introduces direct state financial exposure tied to SNAP payment error rates beginning in fiscal year 2028. States are now on the hook for accuracy in an unprecedented way.

My career has run through both sides of this challenge. Seven years as an active-duty naval officer at fleet commands and the Pentagon, followed by a decade at a top-10 U.S. insurance company leading a product innovation team. While the constraints may look different within each sector, the underlying challenge is the same.

The pressure to reduce payment error rates is up, while application volume and the workforce administering benefits remain unchanged.

In my work with state eligibility leaders, I do not hear requests for fewer responsibilities. I hear requests for tools that match the demands of the job.

## **A non-zero-sum approach**

Speed and accuracy have been treated as opposing forces in benefits administration because the technology to simultaneously improve both did not exist until now.

The model is changing: sort at the front door. Most applicants move through fast, because most people are genuine. The small share whose self-disclosure runs the risk of being inaccurate or incomplete gets the deeper review by a caseworker. Verification effort is focused only where the risk of errors or misrepresentation is concentrated.

Clearspeed CEO, Alex Martin, made a related case in a recent piece about the GAO improper payments report. The shorthand is "clear the hay." Most of the applicant population is hay that clears quickly. The cases that need attention contain the “needles” that get found in the small share that remains.

Clearspeed uses an applicant's yes/no voice responses to preset eligibility questions and produces a real-time, unbiased risk signal for caseworkers. No personally identifiable information is used, and caseworkers see the signal before they commit time to digging deeper. Low-risk applicants clear faster, while high-risk cases get the review they actually need.

This is a new model that respects the people the program is built to serve.

## **Stewardship by putting trust at the front**

Asking eligible families to navigate red tape designed for the small share of bad actors made sense when there was no better way to sort. But now there is.

Leading with trust is a disciplined approach: it acknowledges that most people seeking assistance accurately present their circumstances.

This approach is non-zero-sum. Eligible families get faster access to the help they need, caseworkers focus their time more effectively, and states protect their budgets. Taxpayers see public dollars deployed properly, and the programs remain credible to the people who depend on them and the people who fund them.

The genuine majority is waiting. The technology to build the system they deserve finally exists.

Learn more about protecting program integrity and public confidence with Clearspeed.

## Federal Fraud Prevention Insights

# Clearspeed advisor Don Blersch in The Hill

## Shoba Lemoine

\|

## June 13, 2026

BACK

## **The House voted to fight federal fraud. Will the Senate follow through?**

Clearspeed advisor Don Blersch writes in The Hill about the need for a prevention-first era of fraud management.

**Key Findings** Congress is advancing bipartisan legislation aimed at reducing federal fraud before taxpayer dollars are lost. In this opinion piece, former senior intelligence and national security executive and Clearspeed advisor Don Blersch argues that today's fraudsters use AI, automation, and synthetic identities at scale, while many government programs still rely on outdated "pay-and-chase" approaches that detect fraud only after payments have been made.

**Why It Matters** Blersch argues that government agencies must move beyond outdated "pay-and-chase" models and embrace prevention-first fraud strategies. His perspective aligns with Clearspeed's mission of helping organizations identify risk earlier, accelerate trusted decisions, and focus investigative resources where they can have the greatest impact. As federal fraud losses continue to climb, the conversation is shifting from how to recover taxpayer dollars after they're lost to how to stop improper payments before they happen.

Read the full story in The Hill.

## AI and Fraud Prevention

# Clearspeed's Alex Martin on NewsNation Morning in America

## Shoba Lemoine

\|

## June 13, 2026

BACK

Clearspeed CEO Alex Martin on NewsNation Morning in America - 6/13/26

Clearspeed CEO Alex Martin on NewsNation discussing the administration’s shift to visible enforcement against widespread fraud in government programs. Alex Martin discusses how AI is making fraud faster, cheaper, and more scalable, and the need to use 21st century tech to meet the challenge.

## Next-Gen Insurance Technologies

# CFO Tech: It's time insurance seeks out next gen responsible technologies

## Paula Milton

\|

## June 3, 2026

BACK

## **Key Findings**

- UK insurers face growing pressure under Consumer Duty to adopt technologies that are transparent, fair, and customer-centric.
- Customer trust remains low, creating a need for insurance processes that reduce friction and improve claims experiences.
- Forward-thinking insurers are using technologies such as AI-assisted claims routing, document verification, and voice-based risk assessment to identify low-risk claims earlier.
- Voice-based risk assessment helps insurers detect potential misrepresentation while accelerating resolution for genuine customers.

## **Why It Matters**

- Insurers are shifting from investigating everyone to quickly clearing the genuine majority while focusing resources on higher-risk claims.
- Privacy-conscious technologies can strengthen fraud detection without relying on excessive personal data collection.
- Responsible technology adoption helps insurers improve customer trust, operational efficiency, and regulatory compliance at the same time.

Read the full article here.

## AI Trust Tool Development

# Military.com: Marine Officer Built AI Trust Tool After Deadly Insider Attack in Afghanistan

## Shoba Lemoine

\|

## June 3, 2026

BACK

## **Key Findings**

- A deadly insider attack in Afghanistan inspired Alex Martin to create Clearspeed after witnessing firsthand the challenges of vetting partner forces in combat environments.
- Clearspeed was developed to solve a core security problem: identifying trustworthy individuals quickly without slowing operations or relying solely on traditional background checks.
- The technology began with military vetting programs funded by U.S. Special Operations Command and later expanded into insurance, financial services, and government risk assessment.
- Clearspeed is designed as a voice-based risk assessment and triage platform that helps identify low-risk individuals while flagging higher-risk cases for additional review.
- The company is adapting its capabilities to address emerging threats such as AI-generated fraud and synthetic voices while maintaining a privacy-first approach that does not rely on personal data, demographics, or credit information.

## **Why It Matters**

- The same trust and vetting challenges faced in military operations now exist across insurance, financial services, and government programs.
- Organizations are increasingly seeking faster ways to assess risk and identify trustworthy individuals without creating friction for legitimate customers, applicants, or partners.
- AI-generated fraud, synthetic identities, and synthetic voices are creating new risks that traditional screening methods were not designed to address.
- Voice-based risk assessment provides an additional layer of risk intelligence that supports human decision-making rather than replacing it, helping organizations trust faster while maintaining oversight and accountability.

Read the full article here

## Insurtech Leadership Podcast

# The Insurtech Leadership Podcast: Your Fraud Controls Are Taxing Your Best Customers

## Staff Writer

\|

## January 8, 2026

BACK

Alex Martin, Founder & CEO of Clearspeed, built voice-based risk screening to do one thing: route the majority through fast with rigor, then spend human effort only where the system flags uncertainty. His core claim is uncomfortable: you can’t “catch fraud” your way out of process design. You need a trust layer that changes routing.

Watch the podcast episode below:

YouTube

## Fraud Detection Technology

# CEO Alex Martin Featured on FOX Business

## Shoba Lemoine

\|

## April 22, 2026

BACK

Clearspeed CEO Alex Martin describes how the technology can detect fraudsters on Fox Business - YouTube

Tap to unmute

Clearspeed CEO Alex Martin describes how the technology can detect fraudsters on Fox Business Clearspeed

Clearspeed89 subscribers

Watch on

Watch the video on FOX Business here.

## **Key Findings**

- Alex Martin discusses how AI-generated fraud is increasing across insurance and government systems.
- Traditional screening and vetting methods rely on documents, databases, and historical data, which can be incomplete, outdated, or manipulated.
- Clearspeed’s voice-based risk assessment technology analyzes digital voice signals in response to yes/no questions to detect risk without using personal data, language, or biometrics.
- The technology produces a real-time risk score (low to high risk), enabling faster triage and decision-making in high-volume environments.
- Originally developed for defense and security use, Clearspeed is now applied to insurance claims triage, fraud detection, and government vetting workflows.

## **Why It Matters**

- AI-generated fraud is accelerating: Synthetic identities, fabricated claims, and manipulated documentation are increasing the scale and complexity of fraud.
- Faster decisions at first touch: Real-time risk scoring helps organizations clear low-risk claims and applicants quickly, while focusing resources on higher-risk cases.
- Improved fraud detection in insurance: Early risk identification strengthens claims triage and fraud detection, helping reduce unnecessary investigations and costs.
- Privacy-first risk assessment: Clearspeed delivers a risk signal without relying on PII, language analysis, or historical profiles, supporting privacy and compliance.
- Dual-use impact across sectors: Technology developed for defense vetting is now helping insurers and government agencies address large-scale fraud and risk challenges.

## Increase in Improper Payments

# Federal News Network: Improper payments rose to $183B in 2025, but it’s not all bad news

## Shoba Lemoine

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## April 27, 2026

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## Improper payments rose to $183B in 2025, but it’s not all bad news

The Labor Department’s inspector general is looking at $204 million spent to modernize the underlying technology for state unemployment insurance systems.

Jason Miller @jmillerWFED April 27, 2026

The Labor Department’s unemployment insurance program made about $5.6 billion in improper payments in fiscal 2025. Its improper payment rate of 14.9% ranks ninth among the 19 federal programs with a rate of over 10%.One of the most common reasons for such a high improper payment rate across Labor’s unemployment insurance program is the antiquated technology that state agencies use to administer the funding.

To that end, Labor’s inspector general is launching a new investigation into how states are using the Unemployment Insurance (UI) Information Technology (IT) modernization funds provided through the department’s Employment and Training Administration (ETA). The UI IT fund is supposed to strengthen and secure their UI systems.The IG says Labor handed out over $204 million since the 2021 under the American Rescue Plan Act (ARPA).

> “ETA has taken steps to provide guidance and support to states, yet too many states continue to point to ‘outdated IT infrastructure’ as an excuse while ignoring requests for action — despite accepting more than $204 million in Unemployment Insurance IT modernization funding. That disconnect demands accountability,” Inspector General Anthony D’Esposito said in a press release. “Taxpayers provided these funds to fix broken systems — not to maintain the status quo. My audit team will follow the money, examine how these funds were used at the state level and determine whether states delivered real modernization or simply continued business as usual.”

D’Esposito said the audit will focus on whether states used UI IT modernization funds to upgrade their systems and whether those investments have resulted in improvements to system reliability, integrity and fraud prevention readiness.The IG anticipates issuing a final audit report during the third quarter of fiscal 2027.The audit of Labor’s UI IT modernization fund is part of the Trump administration’s broader focus on stopping and recovering improper payments, mainly due to fraud.A new report from the Government Accountability Office shows oversight of programs, ranging from Labor’s UI IT fund to Medicare Fee-for-Service to Medicaid to the Agriculture Department’s Supplemental Nutrition Assistance Program (SNAP), is actually getting better.GAO says the amount of improper payments across 15 agencies and 64 programs increased $24 billion to $186 billion in 2025. Of that $186 billion, GAO estimates about 82%, or $153.1 billion, is because of overpayments made by agencies.

Linda Miller, a former deputy executive director of the Pandemic Response Accountability Committee (PRAC), said overpayments could be non-fraud issues related to overpayments or errors. But Miller, who is now the president and co-founder of the Program Integrity Alliance (PIA), an independent 501(c)(3) nonprofit, nonpartisan organization focused exclusively on strengthening government integrity, said she believes the vast majority of overpayments are likely fraud.

> “The headline says improper payments went up by $24 billion, but the reality is most of that increase comes from measuring more programs, not losing more money,” Miller said in an email to Federal News Network. “The increase is mostly due to an expansion of the denominator — new programs were added for the first time. That’s good. We have more insight into where we have program integrity challenges.”At the same time, the total doesn’t include every at risk program, GAO said. For example, the audit agency’s total does not include estimates of improper payments made under the Department of Health and Human Services’ Temporary Assistance for Needy Families (TANF) program. GAO says HHS spent approximately $16.5 billion through TANF last year, but the agency does not calculate or report improper payment amounts for this program due to statutory limitations.GAO also found agencies paid out about $10 billion in underpayments and another $14.3 billion in “unknown payments.” Auditors say only about $8.4 billion are “technically improper payments.”

Three agencies reported their programs reduced the amount of money going out the door improperly.GAO says HHS’s Medicare Fee-for-Service reduced the amount of improper payments by $2.9 billion to $28.8 billion. HHS said the decrease came from implementing better internal controls.

The Small Business Administration’s Paycheck Protection Program Loan Guaranty Purchases reported a decrease of $1.5 billion to $200 million and the Federal Emergency Management Agency Public Assistance Validate As You Go program dropped the amount of improper payments by $1.3 billion to $300 million.

GAO said neither SBA or FEMA offered a reason for the reductions.

Meanwhile, eight programs reported year-over-year increases in the amount of improper payments going out the door.One of the outliers in the report is SBA’s Shuttered Venue Operators Grant program, which is reporting improper payments for the first time, increasing the overall total by $10.1 billion.But other programs like Medicaid, which saw a $6.3 billion increase to $37.4 billion, and the Treasury Department’s Earned Income Tax Credit, which paid out $5.2 billion more for a total of $21.1 billion in 2025 than in 2024, helped drive some of the overall increase governmentwide.Miller said the bigger issues agencies are facing is their inability to not just prevent improper payments, but truly understand why they are happening in the first place.

> “I think overall the system is incredibly complicated and it encourages compliance-oriented approaches at the expense of real fraud prevention efforts. The many changes in policy and estimation methodologies means it’s difficult, if not impossible, to make meaningful comparisons from year to year. The whole improper payments estimation and reporting apparatus is, in my opinion, problematically complicated and prone to spin and obfuscation,” Miller said. “I’m in favor of uncovering more fraud and overpayments so the report is a good news story in many ways to me. But it tells us relatively little about how prepared agencies are to confront the fraud problem or how good a job they are doing detecting — much less preventing — fraud and improper payments.”

GAO didn’t make any new recommendations, but said Congress passing and President Donald Trump signing the Ending Improper Payments to Deceased People Act into law in February, which made permanent a pilot program that requires the Social Security Administration to share its Death Master File with Treasury’s Do Not Pay system, is an important step to stopping future improper payments.

Donald Blersch, who spent 35 years in government, mostly in the intelligence community, said agencies too often are still operating in a “pay-and-chase model” and that approach, especially when bad actors are using artificial intelligence to commit fraud, is not just outdated, but “indefensible.”

> “The solution isn’t slowing payments. It’s making smarter decisions before the money goes out the door. In Medicaid specifically, agencies are also confronting organized fraud rings using fake medical providers and fraudulent billings to exploit a high-volume system. Modern verification and risk assessment tools can stop bad actors upfront while actually accelerating approvals for legitimate beneficiaries. That’s how you protect both mission delivery and taxpayer trust,” said Blersch, who is a senior advisor for defense and security at Clearspeed, in an email to Federal News Network. “When systems are strained, payment error rates rise. The opportunity is to improve integrity before payments go out — using technology to help agencies verify eligibility faster, reduce administrative burden, and move trusted applicants through the process more quickly. This will get more difficult with the new redetermination [requirements in the One Big Beautiful Bill Act] in 2027.”

The Office of Management and Budget did not comment on GAO’s report. But the Trump administration has made fighting fraud a central piece of its management agenda. For example, OMB directed agencies in August to use the Do Not Pay portal and added more data sources to the database. The White House established an anti-fraud task force in March, led by the Justice Department and Vice President JD Vance. Additionally, agencies from CMS to SBA to Treasury to DoD are focused on eliminating fraud from programs ranging from Medicare to the 8(a) small business contracting program.

For original article on Federal News Network see here

## **Key Findings**

- Federal improper payments rose to **$186 billion in FY2025**, an increase of $24 billion year over year.
- Overpayments represented the largest share of the problem, totaling an estimated **$153.1 billion**.
- **Medicaid** was the biggest reported contributor, with improper payments increasing by $6.3 billion to **$37.4 billion**.
- Federal scrutiny is intensifying, including a new Labor Department Inspector General audit into how states used more than **$204 million** in unemployment insurance IT modernization funds.
- Clearspeed Senior Advisor Donald Blersch noted that agencies must move beyond outdated “pay-and-chase” models and adopt smarter pre-payment verification tools.

## **Why It Matters**

- The report reinforces a core Clearspeed view: stopping fraud **before funds are released** is far more effective than trying to recover losses after the fact.
- Legacy pay-and-chase models create friction for legitimate applicants while allowing sophisticated fraud actors more room to operate.
- Clearspeed helps agencies modernize program integrity by adding a fast, scalable layer of **front-end risk screening and verification** early in the process.
- This approach can help governments move trusted applicants through faster while directing human investigators toward higher-risk cases.
- For high-volume programs like Medicaid, SNAP, and unemployment insurance, Clearspeed’s model supports stronger fraud prevention **without slowing mission delivery or citizen access**.
- As agencies face rising improper payments and growing administrative strain, the need for modern trust and screening technology is becoming more urgent.

## Allianz UK Claims Interview

# Insurance POST: The Big Interview - Matt Cox, Allianz UK

## Shoba Lemoine

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## April 28, 2026

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## Big Interview: Matt Cox, Allianz UK

By Scott McGee

28 Apr 2026

After Allianz UK merged the claims operations of commercial and personal lines, Scott McGee speaks to Matt Cox, the man in charge of the integration and the joint claims team moving forward.

Early last year, Post revealed how Allianz UK was in the process of merging its two claims operations for commercial and personal lines sides into one team.

While Allianz had two very well respected and established heads of claims to choose from, it was somewhat of a surprise that the task of leading the combined department was given to the provider’s head of internal audit, Matt Cox, pictured.

Speaking to Post in his first interview since taking on the role in February last year, Cox says it was “probably a combination of different factors” that landed him the position.

> “I’ve done large operational roles before when I was at Deloitte as a partner,” he explains. “I was working with big organisations, leading various different things.”

He also says the “privilege” of being able to see how a claims operation fits within an organisation, helped him see the big picture of what needed to be done.

> “In the same way as an internal audit, you have a really broad understanding of how things connect within the organisation.

> “You need that within claims, because you need to understand how the decisions you make about how you handle the claim impacts everything throughout the lifecycle of the organisation.

> “That raw perspective is really important.”

So, after speaking to Allianz UK CEO Colm Holmes, stating his interest in the role, Cox felt his fresh set of eyes, plus the ability to see how it all connects, was the rationale behind him being named head of claims.

> “Colm said the immediate priority within claims was bringing the teams together,” he says.

> “But I guess also the board saw in me the ability to set that vision and get people to coalesce around it.”

Cox says his colleagues from his days at Deloitte, working external and internal audit, were happy to see someone from that area taking on a senior operational role.

> “That doesn’t happen very often,” he says.

> “That was quite refreshing to people in the industry. It’s also about saying: ‘You’re probably looking at the skill set the person’s got, rather than the title of what they do, and what’s transferable across into the role of claims.’”

## Integration

In his previous roles as an auditor, Cox worked on mergers and acquisitions.

He says his job was to focus on “day two” of the merger, after the excitement of completing the deal on day one.

> “On day two, you have to actually look at the business and figure out what it is going to look like in the future.”

Cox applies that same logic to the mammoth task of bringing the Allianz claims operations together.

> “I break it down into different phases,” he explains. “Last year was very much about getting the right roles in place, getting the right structure, and getting the right people into those roles.

> “It’s almost like we had two very large, complicated Lego sets that we needed to take apart and build back together as one.”

Of course, with dismantling the two “Lego sets”, there were some bricks that simply were not needed any more.

> “In simplifying it, we were getting rid of duplication and things like that. So that was really setting the foundation last year,” he says.

That work was to provide Allianz’s claims team with the “launch pad” for what he wants to achieve this year, he adds: “Getting that model really ticking, getting the best out of the underlying technology, obviously facing into some of the new stuff around artificial intelligence and some of the new capabilities that are coming forward.”

## Disruption

However, the job has not been short of challenges.

Cox says merging the units was “hugely disruptive”.

He explains: “You’re moving individuals around, changing responsibilities. You can never rush that, which is why it took from February through to Q4 before that had all washed through.”

He says most of that disruption was within the team, but that his predecessors, Graham Gibson and Caroline Johnson, had done a lot of work already.

> “Graham and Caroline had worked extensively on what would the operating model for a combined claims team look like,” he says.

So, what needed to go?

> “There was a lot of inefficiency, where we had different teams doing the same thing,” Cox says. “You don’t need that.

> “We had different contracts with the same suppliers, and it was a headache for them, because we had two different teams interacting with them and sharing information.

> “Or you had different teams using different processes, which was just confusing for us internally, and to some extent out in the market, particularly where we had a broker working with both our personal and our commercial business, and they were seeing slightly different things.”

But the changes he made went further than internal teams.

> “Some of it was with our suppliers,” Cox continues. “So, we had different contracts with the same suppliers, and it was a headache for them, because we had two different teams interacting with them and sharing information.”

He says there were some “big decisions” to be made around roles and suppliers.

> “It really was taking a step back and going: ‘It’s not quite a blank sheet of paper, but if you had a blank sheet of paper, what would it look like working forward?’”

## Jobs cut

Shortly after Cox was named head of claims, it was revealed that Allianz UK was cutting up to 650 jobs across the business.

While it wasn’t confirmed at the time, chief distribution officer Nick Hobbs told Post most of these losses came as a result of merging the two claims operations.

Cox explains that complexity within the provider had increased, and it needed to take a step back.

> “Insurance companies are the worst for this,” he says. “We just build up and accrete complexity over time, because sometimes you almost don’t have the capacity to stop turning the handle on the day job, to step back and go: ‘How could we do this differently?’”

He says the insurer tried to retain as many people as possible.

> “The foundations are the people,” he says. “By and large, they stayed as they were, so we retained a huge amount of knowledge. But as an organisation, we set it up in a much more efficient way so that we didn’t have some of the complexities that had built up.

> “We went through literally every layer in the claims team to see what the role does, and is it doing it in the best way? Is it in the right place?”

Another aspect of the job cuts was to reflect the nature of the business.

> “One of the things that we saw last year, and a good continuation of a trend that we’d seen across the market, was the reduction in motor frequency,” he says.

> “We had fewer claims coming through on the motor side, and motor makes up a big part of both the commercial and the personal books.

> “So, some of it was actually about right sizing the organisation to the market that it was working in. Not necessarily just because we were simplifying duplication of roles. It was probably a combination of those two factors that resulted in that.”

Cox is clear that the process is now complete.

> “There’s no need to do anything further, unless we fundamentally change something in the business, or start selling something different,” he says.

## Frequency

On the motor claims frequency point, while Cox says it has been reducing over the last few years, more recently it has been plateauing.

> “In some places we have even seen it tick up slightly,” he adds.

> “Maybe it’s a combination of people on the road a bit more, because employers are asking people to come back to work more. But the benefit we were seeing from Adas coming in is plateauing a bit.

> “Frequency is not going down quite in the same way as it had been for the last two or three years. It is just flattening out.

> “Maybe when we see the next generation of Adas coming in, we’ll start to see the frequency dropping down again.”

## Workload

This reduced frequency and changes to suppliers begs the question about claims workload.

Allianz has historically leant on a network of third parties when it comes to dealing with claims, and Cox says that is going to continue.

> “We absolutely have to still run an ecosystem for the claims network,” he confirms.

However, once again, he says there is opportunity to simplify.

> “We had similar suppliers providing the same services across personal and commercial. Or where, in one part of the business, we were doing things with the supplier,” he says. “Then on the other side of the business, we were doing it internally.

> “So, we did certainly move some of those things around.”

But he says having that network is a strength of the business.

> “That’s everything from the investigation side through to the repair side through to the work we do in some of the more specialist areas,” he says.

> “Some of those skill sets, it’s hard to replicate and justify maintaining them inside the organisation, even for a large-scale organisation.”

> “It’s about saying where we have those real strengths, and then using those to support the whole business.”

Moving forward, Cox says the workload of the joint claims team will be fundamentally different to how it was before.

> “We now look at it like a motor claim is a motor claim. There’s a lot of similarity between whether it’s coming through on the commercial fleet or the personal side,” Cox says. “What we’re able to do now is to link that together much better.”

He says using the different strengths from the commercial and personal offerings, to service all claims, has been key.

> “For example, what we’re doing is putting more of the commercial motor repairs through what was the old LV personal motor repair network,” Cox says.

> “It’s about saying where we have those real strengths, and then using those to support the whole business.

> “It’s the same on the property and home side. Our commercial property book is quite similar to our home book. It is the majority landlords.

> “Yes, we’ve got some factories and warehouses, but a commercial property claim is quite similar to a personal home claim.

> “So, we can service that through our existing really strong home network, using our building contractor network we’ve got set up on the home side.

> “On the flip side, we’ve got a really strong commercial casualty team that is now able to much better support and work on the casualty claims that come out of personal insurance.

> “In the past, it was done separately, and that didn’t make sense, because you weren’t playing to your strengths.”

## Balance

Allianz has signed some new MGA contracts recently, such as with Ticker, Wrisk and signing a contract with Volkswagen Financial Services.

When asked if Allianz will now be taking on those claims, Cox says it depends on the contract.

For Cox, bringing in any increase in claims volume, like with any operational update, requires a balance to be struck.

> “Think about it as a triangle,” he says. “The top of the triangle is customer outcome. Then you’ve got indemnity management, and then you’ve got operational efficiency, and in the middle, you’ve got the people.

> “Everything needs to balance. So, if you pull too hard on one piece, you pull too hard on the customer side to try and always settle in the favour of the customer and be very generous; then that really messes up your indemnity.

> “It’s the same on the operation side. If you pull too hard on operational efficiency, you can get poorer customer outcome.”

Cox says Allianz has implemented a balance scorecard for every initiative.

> “It needs to make one of those points in the triangle better without making any others worse,” Cox says, adding Allianz is taking the same approach with suppliers.

> “Everyone within our claims ecosystem cannot just be shooting for one thing, because that really distorts the model,” Cox says. “It has to be balanced and that’s how we want to be.”

## Gracechurch

Despite all this change, Allianz has been able to keep claims standards consistent, as is evidenced by Gracechurch’s recent commercial lines claims marquee.

Gracechurch’s latest data has put Allianz as one of only three regional market insurers to demonstrate exceptional claims service, with an NPS score of 27 – a one-point improvement on the year before.

Allianz has held the award since 2017, the only UK regional market insurer to do so, and Cox says it is a “massive” achievement to keep that level up.

> “That’s a really good example where I told the team: ‘This is the consequence of the good work you do’, he says.

> “They [brokers] ranked us as number two. Our NPS has increased, while the gross dropped in the rest of the market. We saw similar on the personal lines side.

> “Improvements are coming through. It’s hard, but it does really make a difference.”

Cox says being able to have regular conversations with brokers about what they want has led to some tangible differences in Allianz’s claims service.

> “What we did really effectively last year, for the first time, was actually send some of our team out to sit down with the brokers in their offices, looking at what our business looks like through the eyes of the broker,” he says.

> “From that, we had a list of 10 different things that the brokers wanted changed around our broker portal. We wouldn’t have ever spotted [these] ourselves because we weren’t sitting in their shoes looking at it through their eyes.

> “I found little things like that to be super, super effective. That’s what the brokers want. They want it to be a partnership.”

He points to speed, and certainty of cover as huge elements needed, but says technological improvements are also vital.

> “We recently had a broker forum where we were talking about the trends we are seeing. What they are seeing. How we use the information around the types of claims that are coming through, in terms of how they then approach the customers about the types of cover they might need. That relationship has to be so close because we’re sort of selling each other.”

## Technology

Allianz wants to be “digital first as a business with the human touch where it matters”, according to Cox.

While it has been investing in artificial intelligence, Cox is cautious about how the technology will transform claims.

> “AI is great, but it doesn’t really do empathy very well,” he says.

Echoing what CEO Holmes said earlier this year, Cox wants to give customers a choice of how to interact with Allianz during a claim.

> “I’m sure there’ll be a large portion of our customers who want to engage with us digitally," he says.

> “So last year we released ENOL for single vehicle. We just launched it earlier this year for multi-vehicle.

> “If a customer wants to, they can have a totally contactless journey through getting their car repaired, but many customers want to be able to talk to us.

> “There are many situations where that has to happen if there is a vulnerability or some complexity.”

But even so, AI has a part to play.

> “One of the things we introduced quite recently was a tool which does ‘next best step’ on a casualty claim, to help the handler understand the complexity and make suggestions about what the next best step might be,” he says.

> “It’s not replacing the handler. The handler is still responsible for the claim, but they’re much better able to synthesise a huge volume of data. This allows them to know how best to help the customer.”

He outlines how AI is helping on the volume side, also.

> “What we’re doing is around: ‘How do we overlay AI to make sure the customer gets to the right handler first time?’

> “One of the things that frustrates customers a lot is that they phone up and are then passed around departments.

> “So how do you get to the right person first time? Then how does that person capture the information in the most effective way?”

## Fraud

The other area AI is being utilised is around fraud, which Cox calls “an arms race”.

> “Our aim is to make the environment as hostile as possible to someone who’s trying to commit fraud,” he says, outlining the partnership with Clearspeed to aid in this process.

> “Some of the stuff around images, for example. The human eye is pretty good, but it’s getting to the point now where it can’t spot these things without the tool helping them,” he says.

> “It’s a real challenge. That’s probably the only area where we’re using AI to do something that currently humans just can’t do.”

He says there are weeks where it feels the industry is winning the arms race, but in other areas, help is needed.

> “Some of the stuff around ghost broking is more difficult because that requires more of what’s not wholly within our control to address that business model they’ve got,” he says.

> “I think we need tech firms and maybe broader government intervention.”

## Claims as asset

Overall, Cox sees an insurer’s claims offering as an asset that needs to be sold more.

> “It’s about the scale of it and how it fits together,” he says. “Thinking through the complexity of making this change here, and what that means in terms of the consequences across the business.”

He says he has learnt the real value of a claims proposition.

> “We’re not just here to manage the claim,” he says. “Obviously, that’s really important, but we are fundamental to how you design and market your product. How you price it when you write it, through to how you reserve through to capital management.”

He says the claims part of the business has been siloed somewhat in the past but effort has been made to change that.

> “In the past, we’ve played too much just in the space of managing the claim part,” he says. “What I’ve been doing is to educate the organisation on actually we are a strategic asset, and that they need to be using us.

> “If you think about the stuff we do with brokers, brokers are buying the claim service. They’re not buying the price, because everyone can flex their price depending on different things.

> “What you can’t flex is how good your claim service is. I sit down with my colleagues in the marketing distribution teams saying they should be prioritising selling the claim service.

> “It’s the thing that differentiates us and sets apart.”

Read the original article on the Insurance POST here

## Clearspeed Podcast Feature

# Clearspeed CEO Alex Martin on Will Cain podcast

## Rebecca Falk

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## May 7, 2026

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## Clearspeed CEO Alex Martin joins Will Cain Country to discuss how Clearspeed's voice-based risk assessment technology is changing the way organizations identify risk — faster, more accurately, and at scale.

**Watch the segment below:**

Clearspeed CEO Alex Martin on Will Cain's Podcast - YouTube

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Clearspeed CEO Alex Martin on Will Cain's Podcast Clearspeed

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## Federal Benefit Integrity

# DC Journal: Modernizing Federal Benefit Integrity Before the Money Goes Out the Door

## Shoba Lemoine

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## May 11, 2026

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## **Key Findings**

- The federal government reported $186 billion in improper payments in FY2025, as fraud becomes faster and more scalable through AI-generated identities and synthetic documentation.
- The article argues that traditional “pay and chase” models are no longer effective against modern fraud threats.
- It highlights the need for proactive, front-end risk assessment tools that help agencies identify higher-risk cases before payments go out the door.
- Clearspeed’s voice-based risk assessment technology aligns with this shift by helping organizations rapidly assess risk without collecting personal data or slowing down legitimate claimants or beneficiaries.

## **Why It Matters**

As AI-enabled fraud accelerates, government agencies are under pressure to improve benefit integrity while maintaining fairness and speed for legitimate recipients. The article reinforces the growing need for scalable, privacy-conscious technologies like Clearspeed that help agencies modernize fraud prevention, reduce improper payments, and strengthen public trust.

## **Modernizing Federal Benefit Integrity Before the Money Goes Out the Door**

by Donald Blersch

Last month’s U.S. Government Accountability Office report confirms what many in government already know but have struggled to confront: improper payments are not an accounting anomaly—they are a systemic failure. With $186 billion in improper payments in FY2025 and cumulative losses exceeding $2.8 trillion, the federal government is hemorrhaging taxpayer dollars at a scale that should command urgent, structural reform.

This is not simply about waste. It is about a threat environment that has fundamentally changed.

Fraud today is faster, more scalable, and increasingly industrialized. AI-generated identities, synthetic documentation, and coordinated fraud rings are exploiting federal programs with a level of speed and precision that legacy systems were never designed to counter. From medical provider billing schemes impacting Medicaid to disaster relief fraud to unemployment insurance abuse, bad actors are leveraging AI while government systems remain anchored to a “pay first, chase later” model.

That model is no longer viable.

For decades, federal agencies have relied on retrospective controls—audits, investigations, and recovery efforts after funds have already gone out the door. But when losses reach into the hundreds of billions annually, recovery is no longer a strategy. It is damage control. Quite simply, the government cannot investigate its way out of this problem.

At the same time, agencies face a competing mandate: protect program access for legitimate recipients while safeguarding taxpayer dollars. Too often, outdated systems force a false choice between access and accountability—resulting in both massive fraud losses and frustrating delays for legitimate recipients.

In many public benefit programs, the biggest challenge is that caseworkers are overloaded, manual reviews are slow, and self-reporting alone often is not enough to keep records current. When systems are strained, payment error rates rise.

There is a better way, and it starts by shifting the point of decision.

Instead of chasing fraud after payment, the federal government must adopt a front-end risk screening and verification layer that assesses risk before money leaves the Treasury. Voice vetting tools are available now, alongside other AI-powered systems that can help agencies modernize payment integrity.

Viable AI-powered systems that can strengthen benefit integrity today:

- AI-driven risk assessment to screen claims and applicants: Machine-learning models can cross-reference applications in different states against known fraud indicators, identity inconsistencies, suspicious patterns, duplicate submissions.
- Voice analytics technology: Cutting-edge technology can quickly and accurately detect potential risk by analyzing responses to simple automated yes-or-no questions, helping agencies quickly clear most applicants while flagging a smaller subset for further scrutiny.
- Natural language processing (NLP) for ongoing monitoring: AI can scan claims narratives, provider submissions, case notes, complaint data, and inbound communications to identify emerging fraud trends, coordinated schemes, or suspicious language patterns.

The operational impact is straightforward but transformative.

Instead of treating every claim as suspicious—or worse, treating none of them as such—agencies can quickly clear the overwhelming majority of legitimate applicants while flagging a small subset for deeper review. That means more efficient processing for those who qualify, reduced backlogs for overwhelmed agencies, and a sharper investigative focus on the cases that may be problematic.

The opportunity is to improve integrity before payments go out—using technology to help agencies verify eligibility faster, reduce administrative burden, and move trusted applicants through the process more quickly. This challenge will only intensify as states prepare for new eligibility redetermination requirements for programs like Medicaid in 2027.

Front-end risk screening reduces improper payments before they occur, strengthens program integrity, and restores public confidence that taxpayer dollars are being protected—not simply tracked after the fact. Equally important, it aligns with a broader shift toward modernization and accountability in federal operations.

The GAO’s findings should be a forcing function. Continuing to rely on legacy controls in a rapidly evolving fraud landscape is not just inefficient—it is unsustainable. The scale of the problem demands solutions that operate at the same speed and sophistication as the threat.

The choice is clear: continue paying and chasing losses after the fact, or modernize how trust is established at the point of entry.

In an era of AI-enabled fraud, modern screening and verification technologies already being used in commercial environments provide a credible, proven way to protect taxpayer dollars while ensuring that those who depend on federal programs receive support without unnecessary delay.

The status quo is costing too much. It’s time to fix it before the next trillion is lost.

See original article at DC Journal

## AI Trust Layer

# Military Embedded Systems: Why Military AI Needs a “Trust Layer”

## Shoba Lemoine

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## May 19, 2026

BACK

## Key Findings

- In this SOF Week 2026 discussion, Clearspeed CEO Alex Martin argues that military AI systems are only as effective as the human information fed into them.

- The conversation emphasizes the growing need for a “trust layer” in modern defense operations — technology capable of rapidly assessing the reliability and risk level of human-provided information before decisions are made.
- The video highlights how speed, ambiguity, and asymmetric threats are forcing defense organizations to rethink how trust is established in real time, particularly in contested or data-poor environments.
- Clearspeed’s technology is positioned as a scalable way to help operators quickly identify low-risk individuals while focusing limited investigative resources on higher-risk cases.
- The discussion reinforces that effective AI-enabled defense systems require both machine intelligence and validated human signals to support faster, more confident operational decisions.

## Why It Matters

As governments and military organizations accelerate AI adoption, the industry conversation is shifting from AI alone to the reliability of the inputs driving those systems. This SOF Week discussion positions Trust Dominance as a critical operational capability — the idea that rapidly validating human trustworthiness at scale can provide a strategic advantage in modern warfare and security operations.

See the feature in _Military Embedded Systems_ here

SOF Week 2026: Why Military AI Needs a “Trust Layer” - YouTube

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## Improper Government Payments

# The Real Story Behind the $186 Billion in Improper Government Payments

## Alex Martin

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## May 5, 2026

BACK

## The $186 billion in improper federal payments can’t be simplified as a fraud story. It’s a complex story about a government still operating on a fifty-year-old payment model in a real-time economy.

The Government Accountability Office just released its latest tally on improper federal payments. The number for fiscal year 2025 is $186 billion, $24 billion more than the year before. Cumulatively, since 2003, the federal government has reported about $3 trillion in payments that should never have gone out the door. A handful of folks have sent me the report over the past few days, so I wanted to take a second to share my thoughts.

The problem here is deeper and more systemic than fraud or waste. It has to do with process. Too much of the government still works the way it did 50 years ago. Money goes out the door, and agencies try to claw back bad payments later. The answer is to flip the script – use modern tech to verify at the front door, before the money moves. Allow me to explain.

## The way the commercial market handles it

Think about the last time you used your credit card and it got declined because the bank thought it might be fraud. That happened in a millisecond. The bank didn’t pay the charge and then tried to chase the money back later. It made the call up front, before any money moved. That’s how almost every modern institution works now. Your bank, Amazon, Uber, your insurance company… they all make fast decisions about risk in real time, before the transaction goes through. If something looks off, they flag it. If it looks fine, you don’t even notice.

## The way government still handles it

Now think about how a state agency decides whether to send out a benefits check, approve a tax credit, or process a healthcare-related payment. Someone fills out a complicated form, a caseworker reviews it, the check goes out, and if it turns out months later that the information was wrong or eligibility changed , the agency tries to chase the money down and get it back. In programs like Medicaid and SNAP, residency or eligibility status can change. Caseworkers are being asked to validate complex, moving information at massive scale, often with manual tools and limited time.

Pay first, ask questions later. That _used_ to be how pretty much everyone operated. The government is one of the last places that still does.

## A 21st century approach

A modern system shouldn’t treat every application the same way. It should sort at the front door. The clearly straightforward cases move through quickly and easily, and the ones that need a closer look get flagged for a human review. For most of modern history, even if the government wanted to do this, the tools weren’t really there. You could verify a document or run a database check. But there was no way to actually detect signs of risks in a high-volume process at scale, without an in-person interview. The good news is that now there is.

The company we created, Clearspeed, does this with voice. With just a few yes-no questions answered over the phone, our tech can help agencies quickly identify which responses indicate low risk and which should be routed for further review.Instead of searching for a needle in a haystack, we can instantly ‘clear the hay’ – the majority of people – so they’ve got faster access to the benefits they need, and trained teams can focus their follow up where review is actually needed.

That distinction matters. This is not about labeling people as risky or deciding who deserves benefits. It is about giving agencies a faster, more objective way to prioritize review before funds go out the door — while allowing trusted applicants and providers to move through the process with less delay. We originally built this tech for battlefield environments, where U.S. Special Operations forces needed a faster way to vet foreign partner troops in high-stress, high-consequence situations. Today, it is used across government, defense, insurance, and financial services.

There are other companies tackling adjacent parts of the problem in different ways. The point isn’t any one tool, but rather that the capability finally exists, and the government should now catch up.

This matters even more as public benefit programs enter a new phase of accountability. Medicaid redeterminations will put more pressure on already overloaded caseworkers. SNAP error rates now carry financial consequences for states. State agencies are being asked to reduce improper payments, protect program funding, and maintain access for eligible households — all at the same time.

## The bottom line

If we want to reduce the hundreds of billions in improper payments going out the door, we need the government to get with the times and start making decisions the way the rest of us already do: checking before the money goes out, not after.

The path forward is avoiding anything that creates slowdown or friction. It is better front-end integrity: being fast for eligible individuals, being fair across applicants, and being focused on the small number of cases that need human review.

The government does not need to choose between access and accountability. With the right tools, it can do both.

## Fighting Financial Crime

# Fighting Financial Crime at Scale: How Clearspeed Supports the FATF's Global Mission

## Aaron McIntosh

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## April 29, 2026

BACK

On April 17, 2026, The Finance Ministers of the Financial Action Task Force (FATF) gathered in Washington, D.C. and signed a declaration that left no room for misinterpretation: the global fight against money laundering, terrorist financing, and fraud is becoming more intense. The tools used to combat these threats must keep pace, or we will collectively fail.

The declaration is broad, but several urgent themes emerge. Fraud is now described as an epidemic, growing in size, scale, and reach. Organized crime groups are increasingly exploiting technology, including telecommunications, social media, and artificial intelligence to execute sophisticated cross-border schemes. Ministers called explicitly for “the responsible use of advanced technologies, including artificial intelligence, to detect and disrupt complex cross‑border fraud schemes.” The foundation to it all is a commitment to a risk-based approach.

This is exactly what Clearspeed was built for: reducing unnecessary burden on legitimate customers and institutions while enabling resources to focus where the risks are highest.

## **Helping financial services providers fight fraud and financial crime**

For banks and financial services providers, the FATF declaration reinforces what compliance professionals already know on the ground: the threat environment is outpacing traditional detection methods. Non-opportunistic fraud is industrialised, AI-enabled, and cross-border by design.

Clearspeed’s voice-based risk assessment technology gives financial institutions a powerful new layer of intelligence across the full customer lifecycle. By analyzing vocal responses to a short series of simple yes/no questions, Clearspeed surfaces hidden indicators of risk in real time, without adding friction for the low-risk majority.

In loan and credit processing, Clearspeed helps institutions identify deliberate misrepresentation and organized fraud risk early in the onboarding process, before bad actors enter the banking ecosystem. In claims and transactions, Clearspeed flags early warning signs of payments fraud, romance scams, and vulnerable adult exploitation. The declaration specifically flags both as fraud risks extending “well beyond financial loss.”

The FATF priorities are particularly direct when it comes to anti-money laundering (AML) and know your customer (KYC). The declaration calls for rapid and effective implementation of FATF standards in the management of financial flows. This includes improved validation of the origins and dispersal of funds, finding early indicators of misrepresentation and collusion, and improving continuous monitoring for insider risk. These are precisely the use cases Clearspeed addresses within our offering for financial services clients. By rapidly clearing low-risk customers and concentrating investigative resources on flagged cases, Clearspeed helps institutions provide a better experience for genuine customers while delivering a stronger compliance posture.

## **Supporting U.S. Government in Countering Illicit Finance**

The FATF declaration is not directed at the private sector alone. Ministers committed to deploying the entire AML, Countering the Financing of Terrorism (CFT), and Countering Proliferation Financing (CPF) toolkit to identify, disrupt, and combat fraud and illicit finance. This mandate directly impacts government agencies responsible for border security, benefits programs, trade, and personnel integrity.

Clearspeed’s government solutions are purpose-built for this challenge.

Originally developed for the U.S. Department of Defense, Clearspeed brings the same precision risk-triage capability to civilian agencies facing mounting threats from fraud, waste, and abuse.

At the border, Clearspeed can help accelerate screening, reduce backlogs, and improve detection of human trafficking, drug smuggling, and other high-risk activity. This directly supports the FATF’s focus on transnational organized crime and drug trafficking networks. In benefits, taxation, and payments administration, and trade, Clearspeed helps agencies uncover fraud indicators on tax returns, claims, and funds administration, protecting public resources from the organized criminal schemes the declaration identifies as a growing systemic threat.

The declaration also highlights the risk posed by insider threats and the misuse of legal structures. Clearspeed’s continuous vetting and vendor risk management capabilities provide an additional layer of protection for government operations looking to manage shifting human risk amongst vendors and supply chains.

## **A technology partner aligned with the FATF’s vision**

The FATF Ministerial Declaration calls for international cooperation, technology-enabled detection, and a risk-based approach that is both “rigorous and proportionate”. Clearspeed embodies all three. Deployed in 37 countries, supporting over 60 languages, and proven across government and financial services alike, Clearspeed is uniquely positioned to help jurisdictions and institutions meet the moment, and stay ahead of the threats that are only becoming more sophisticated.

The era of fighting 21st-century financial crime with 20th-century tools is over.

To learn more about how Clearspeed supports financial services institutions and government agencies, visit clearspeed.com

## 2026 Making Waves Honorees

# Insurance Nerds: InsurTech America Announces Alex Martin as 2026 Making Waves Award Honoree

## Shoba Lemoine

\|

## March 26, 2026

BACK

InsurTech America Announces 2026 Making Waves Award Honorees, Celebrating Innovation and Leadership Across the Insurance Industry

InsurTech America is proud to announce the 2026 honorees of the prestigious Making Waves Awards, recognizing leaders, innovators, and entrepreneurs who are driving meaningful change across the insurance ecosystem.

Each year, the Making Waves Awards spotlight individuals who are pushing boundaries and redefining how the industry approaches risk, technology, and customer experience. This year’s honorees represent a powerful cross-section of leaders shaping the future of insurance.

## 2026 Making Waves Award Honorees

Industry Thought Leader

- Amber Wuollet, Director of Product & Life Cycle Marketing, Cowbell
- Awais Farooq, Chief Claims Officer, Venbrook
- Bob Frady, CEO and Co-Founder, Property Lens

Most Innovative Entrepreneur

- Aman Gour, CEO and Founder, FurtherAI
- Arvind Sontha, CEO and Founder, Kyber
- Ngozi Nnaji, Founder and Managing Partner, Ako Insurance Consulting
- Scott Sutter, President, Strategic Risk Transfers

Innovation Excellence

- Colby Tunick, CEO and Founder, ReFocus AI
- Samuel Broomer, President, Parametric Solutions, NormanMax
- Alex Martin, CEO, Clearspeed

> “The insurance industry does not need incremental change. It needs disruption, speed, and people willing to challenge everything we have accepted for decades,” said Stacey Brown, President, InsurTech America. “The Making Waves Awards recognize the builders, operators, and thinkers who are actually moving the industry forward. This year’s honorees are not simply talking about the future. They are creating it.”

> “Being recognized as a Making Waves honoree last year was a defining moment for me and our team at Adjusto,” said Michael Balarezo, CEO and Cofounder of Adjusto. “It validated that the work we are doing to simplify and humanize claims is not just necessary, it is gaining traction. This industry does not change easily, so recognition like this signals that a shift is actually happening.”

> “I have been fortunate to receive a few awards over the course of my career, but nothing has matched the experience of the Making Waves Awards,” said Tony Cañas, 2024 Making Waves Honoree. “It is not just the recognition. It is the people. Being part of a cohort of leaders I genuinely respect, sharing that moment on stage, and participating in an event that consistently brings real energy to the industry makes it stand apart.”

The awards will be presented during the InsurTech America Symposium, held annually in Hartford, Connecticut, with this year’s event taking place April 13-14, 2026.

## About the Making Waves Awards

The Making Waves Awards recognize individuals across the insurance ecosystem who are driving meaningful progress through innovation, leadership, and bold thinking.

## About InsurTech America

InsurTech America convenes insurance and technology leaders to drive innovation, collaboration, and transformation across the industry, connecting the people and ideas shaping the future of insurance.

Read article at: Insurance Nerds

## Trust Technology Podcast

# Winners' Circle Podcast with CRO Scott Moore: The "Light Bulb" Moment for Trust: Revolutionizing Risk Assessment with Clearspeed

## Shoba Lemoine

\|

## March 26, 2026

BACK

In this episode of the _Winner’s Circle_, Russ Fordyce sits down with **Scott Moore** of **Clearspeed**, to discuss its Big Innovation Award-winning voice technology. Unlike AI that predicts behavior based on historical data or social profiling, Clearspeed uses a unique, language-agnostic approach to measure real-time neurophysiological responses—essentially a "fight or flight" signal—to determine if a person’s inputs can be trusted.

From its high-stakes origins in military screening to its current applications in banking and insurance, Scott explains how this "trust technology" is clearing the path for honest consumers while pinpointing anomalies that legacy systems miss.

## Key Takeaways

- **Clearing the Hay to Find the Needles:** Clearspeed is designed to "clear" the majority of people whose inputs can be trusted, allowing human resources to focus only on the anomalies.
- **Universal Human Signal:** Because the technology measures a neurophysiological response rather than language or tone, it is culture and language agnostic.
- **Privacy-First Design:** The tool does not require personally identifiable information (PII); it only needs 300 milliseconds of a "yes" or "no" to function.
- **A Signal, Not a Determination:** Scott emphasizes that the tech provides a signal of an anomaly; it does not take negative determining actions on its own.

Watch the podcast episode below.

The "Light Bulb" Moment for Trust: Revolutionizing Risk Assessment with Clearspeed \| Scott Moore - YouTube

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## Leadership Expansion at Clearspeed

# Clearspeed Strengthens Leadership Team as Dual-Use Technology Gains Momentum

## Shoba Lemoine

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## February 9, 2026

BACK

_Seasoned technology executive Steve Munford joins Board of Directors and Emily Ellis is named Chief Human Resources Officer_

**SAN DIEGO, CA — February 9**, **2026**— Clearspeed, the global leader in voice-based risk assessment, today announced key leadership appointments as the company enters its tenth year, following a period of strong growth in which ARR doubled year over year.

The company has appointed Steve Munford, former CEO of Trulioo and of Sophos, to its Board of Directors, and Emily Ellis, former Chief People Officer at DriveWealth, as Chief Human Resources Officer (CHRO). These strategic additions strengthen Clearspeed's leadership as the company continues to scale its dual-use technology across insurance, financial services, government, and defense sectors.

“Our focus has always been on building a durable company grounded in rigor, responsibility, and measurable impact,” said Alex Martin, CEO of Clearspeed. “As we enter our next decade and scale our game-changing technology, strong leadership appointments reflect our focus on governance and disciplined growth across commercial and public-sector markets.”

## **Leadership for the Road Ahead**

Steve Munford brings more than three decades of enterprise software and cybersecurity leadership to Clearspeed’s Board, having served as CEO of Trulioo and previously as CEO of Sophos, where he led the company through rapid expansion. Munford has extensive board and investor experience in enterprise technology. In addition, his background in cybersecurity brings deep expertise in risk, compliance, and governance that supports the growth of Clearspeed’s technology.

“Clearspeed addresses a core challenge I’ve seen throughout my career in security and enterprise technology: enabling trust in the moment, consistently and objectively, across very different environments,” said Munford. “Clearspeed’s decade-long focus and discipline has produced a distinct solution that organizations have deployed with confidence and measurable impact.”

Emily Ellis joins Clearspeed as Chief Human Resources Officer, bringing more than 15 years of experience in scaling teams and operations across pre- and post-IPO technology companies. Most recently, she served as Chief People Officer at DriveWealth and has held senior leadership roles at Lyft, SocialCode, and 2U.

"Clearspeed has achieved sustained success with a humble and high-performing team," said Ellis. "What resonated with me are Clearspeed's core values: Build Trust. Deliver Results. Mission First, Team Always. These values aren't just words on a wall. They define how this team wins, and I'm excited to strengthen and evolve the people systems to support Clearspeed’s next decade.”

## **Funding Supports Rapid Client Expansion**

In 2025, Clearspeed secured $60 million in Series D funding and doubled its annual recurring revenue. The company continued to expand across the insurance sector, with notable wins including new client Ageas UK and major renewal 1st Central.

Clearspeed's breakthrough technology analyzes voice for risk, delivering an efficient, seamless user experience while significantly reducing costs, minimizing fraud, and enhancing security. On average, clients in insurance have used Clearspeed to accelerate decision-making in claims and applications processes, resulting in a 40% rise in immediate settlements and accelerated policy approvals for customers, reducing transaction handling time by more than 50%, and lowering overall investigation spend by 65%. Public sector clients see similar results, with agencies reducing vetting cycle times by up to 95%, significantly lowering investigative workloads and enabling teams to focus on the highest-priority cases.

## **About Clearspeed**

Founded in 2016, Clearspeed is the global leader in voice-based risk assessment. Its proprietary voice analytics technology detects the level of risk in a person’s voice based on vocal characteristics universal to all humans—enabling faster, more confident decisions in high-stakes environments. Initially developed for the U.S. Department of Defense, Clearspeed quickly exposes indicators of risk for government and military agencies. Commercially, it helps insurers, financial institutions, and other enterprises assess risks like fraud and insider threats, unlock operational savings, and elevate the customer experience. With broad applications, Clearspeed delivers bias-free, highly precise, individual risk assessment wherever achieving trust at scale is essential.

Headquartered in San Diego, Clearspeed is used in 37 countries and supports over 60 languages. The company has earned more than 30 industry awards, including CNBC’s World’s Top InsurTech Companies.

Learn more at www.clearspeed.com.

## Allianz Fraud Detection Insights

# Insurance POST: Chief claims officer lifts the lid on how Allianz caught £93m of fraud

## Shoba Lemoine

\|

## January 28, 2026

BACK

## Key Findings

- Allianz reported identifying more than £93 million in insurance fraud, highlighting the scale of opportunistic and organized fraud across claims
- Allianz chief claims officer Matt Cox described fraud as evolving from small claim inflation to more sophisticated, coordinated activity
- The insurer implemented voice analytics technology from Clearspeed to create a “hostile environment” for fraud while maintaining customer experience
- Clearspeed is embedded directly into the claims process, asking customers yes/no questions and generating a real-time risk signal to guide whether claims should be paid or investigated
- Compared to legacy fraud checks, the approach reduces friction by engaging customers in real time rather than placing them on hold for manual review
- Allianz reported more than 15,800 fraudulent cases identified across personal, commercial, and specialty lines, totaling £92.6 million in the first half of 2025

## Why It Matters

- Insurance fraud is shifting toward more sophisticated and scalable activity, requiring new detection approaches beyond traditional rules-based checks
- Embedding risk assessment directly into the claims journey enables earlier identification of fraud at first notice of loss
- Real-time voice-based risk scoring allows insurers to route claims more efficiently, improving both fraud detection and claims handling speed
- Reducing friction in the claims process improves customer experience while still strengthening fraud controls
- Proven deployment by a major global insurer demonstrates how voice-based risk assessment can operate at scale across multiple lines of business

## **Chief claims officer lifts the lid on how Allianz caught £93m of fraud**

**By Harry Curtis**

Allianz chief claims officer Matt Cox has told attendees at the ITC London conference that the insurer was able to create a “hostile environment” for fraudsters without damaging customer experience through using voice analytics technology.

Speaking at the event in London yesterday (26 January), Cox — who assumed the chief claims officer position in February last year — said Allianz was continually seeing fraud techniques evolve.

> “There is always the opportunistic fraud where someone calls up and slightly inflates what they’re claiming for. We will continue to always see that, but it’s the more sophisticated element of it that we have seen growing,” he said.

Among the partners Allianz called upon to get a handle on fraud was voice analytics provider **Clearspeed**.

> “We needed to make our organisation a really hostile place for people to try to commit fraud, either at the organised end of the scale or at the opportunistic end of the scale,” Cox said.

## “What we needed was something seamless”

> **“What we needed was something seamless and embedded within the process. That’s what Clearspeed provided to us.”** _Matt Cox, Allianz chief claims officer_

Cox contrasted the use of the Clearspeed tool with how pre-existing fraud checks figured in customers’ claims experiences.

> “Past techniques that have been used have created friction within the claims journey,” he said.

> “Many of you, when you would have phoned up to make a claim, might well have been put on hold at various points during that conversation, while the call handler went away and did some checking.”

## Waiting around

Explaining how the Clearspeed tool fits into the claims process, Cox said:

> “Whether they’ve phoned up or it’s via email or it’s self-serve online, the customer will be directed to phone the Clearspeed tool.

> “It will ask them some questions of importance, and it will assess very quickly a risk around potential risk characteristics of the voice of being used.

> “That will either inform the handler that this particular case needs to be referred on to the more dedicated team, or it informs that this claim can just be paid.”

While it adds a step to the claims process, Cox said that from the customer’s perspective, using the tool actually reduced friction.

> “Rather than being put on hold, sitting there listening to the music, wondering what’s going on, the customer’s being asked questions. They’re engaged, so it doesn’t feel like they’re waiting.”

## Staff concerns

Cox also reflected on how Allianz needed to convince call handlers and other claims staff that the tool would work.

> “In the past, a lot of those decisions had come down to the individual claims handlers’ experience,” he said. “We were now saying to them, ‘you need to trust this tool — you don’t know how it works, but you need to trust it.’”

He explained how the insurer went about bringing staff up to speed on how it worked, as well as experimenting with it in controlled settings.

> “We allowed them to play with it. We allowed them to see it in action, to pilot it in a number of small areas and look at really data-led trials within particular teams to see how it was working.”

He added that Allianz needed to allay staff concerns that the tool would annoy customers, with post-deployment complaints figures putting those fears to rest.

> “Over the last year, we’ve had 0.1% of claims that have gone through this technology where our customers said, ‘I didn’t like that being done to me.’ That’s tiny,” he said.

> “Customers now expect this sort of thing. It’s just part of doing business now.”

## Impact

In September, Allianz reported it had identified more than **15,800 fraudulent cases** across personal, commercial and specialty lines, **worth a total of £92.6m** in the first half of 2025.

Cox said:

> “There was obviously the portion of that fraud that has been identified through the Clearspeed tool that we perhaps would have identified through other checks and balances much later down the line, sometimes when it was a bit too late to do anything about it or to manage the cost effectively.

> “But it was also identifying a large proportion of fraud that we wouldn’t have found through other techniques.”

He added that one consequence was a much greater volume of work going into fraud teams.

> “We needed to make sure they were resourced and skilled up to deal with that, so that didn’t become a bottleneck.

> “That was one of our learning points. I don’t think we’d quite appreciated what the impact on that team would be.”

Cox concluded:

> “One of the other things we’ve seen coming through from the data and using this technology is a number of people self-select out part way through the claims, because they recognise that we’ve made the environment difficult.”

See article at Insurance POST