2 minute read time
AI-generated fraud is becoming harder to detect through technical checks alone. Synthetic identities are now being reused - and looking more legitimate as a result. Meanwhile, fake documents are increasingly appearing within normal customer journeys rather than obvious attack patterns.
Recent Signals research from Synectics found that 1 in 3 synthetic identities are now used repeatedly, with fraudsters building credibility over time through low-risk products and seemingly routine interactions. As these synthetic personas mature, they become harder to separate from genuine customers.
The same pattern is emerging in document fraud. Rather than relying solely on better fake documents, fraudsters are increasingly exploiting how insurer processes operate in practice. Fallback journeys, manual reviews and customer service pathways can all present opportunities for fraudulent documents to progress further than expected.
Taken together, these trends suggest a growing understanding of where scrutiny sits across the customer journey - and where it doesn't.
The full article explores how synthetic identities and AI-generated documents are being used to navigate insurer controls, and why understanding the journey around the asset is becoming as important as assessing the asset itself.
Originally published with our insurance partner, the Managing General Agents Association.
Read the full article here.
