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From fraud detection to fraud resolution

Detection tools flag suspicious claims. SIU teams investigate them manually. Hesper AI bridges the gap - automated investigation that turns every flag into a resolved case.

01 · The gap

The detection-investigation gap

Insurance carriers spend billions on fraud detection. The tools work - they flag suspicious claims. But flagging is not resolving. 75% of flagged claims are never fully investigated because SIU teams cannot keep up with the volume.

DETECTION
1,000
claims flagged as suspicious per month
INVESTIGATION
250
actually investigated by SIU teams
THE GAP
750
flagged claims that slip through with no investigation

This is the gap Hesper AI closes. Not by replacing your detection tools - by giving every flagged claim the investigation it needs. 14 days of manual investigation compressed to minutes.

02 · Comparison

Three approaches to claims investigation

How Hesper AI compares to manual SIU investigation and detection-only tools like FRISS, Shift Technology, and Verisk.

Dimension
Hesper AI
Manual SIU
FRISS / Shift / Verisk
Investigation scope
Full 15-phase investigation - documents, databases, OSINT, network analysis, and report generation
Depends on individual investigator bandwidth and expertise. Typically 3-5 phases completed per case
None. Outputs a risk score or fraud flag. Investigation is someone else's problem
Time to complete
Minutes per claim
7-14 days per claim on average. Complex cases take weeks
Seconds to flag. But flagging is not investigating
Evidence gathering
Automated - pulls from NICB, ISO ClaimSearch, DMV, NMVTIS, OSINT sources, and document forensics simultaneously
Manual database queries, phone calls, field visits. Each source checked one at a time
Limited to internal data and pattern matching. No external verification
Report quality
Audit-ready investigation report with evidence chain, denial justification, and SAR filing support
Varies widely by investigator. Inconsistent formatting, missing evidence links, compliance gaps
No investigation report. Outputs a score or dashboard alert
Scalability
Every claim gets investigated. No backlog. Scales with volume, not headcount
Capped by team size. A 5-person SIU can investigate roughly 50 claims per month
Flags scale fine. But each flag still needs a human to investigate it
Cost per investigation
Fraction of manual cost. Scoped to your book, talk to us for a number
$2,000-$5,000 per investigation when factoring in labor, tools, and time
N/A - detection tools do not perform investigations
03 · Complementary

The investigation layer that completes your fraud stack

FRISS, Shift, and Verisk are detection tools. They are good at what they do. Hesper AI is not competing with them - it is completing the workflow they start.

YOUR DETECTION TOOL
FRISS / Shift / Verisk
Analyzes claims data, applies risk models, outputs a fraud score or flag
THE GAP (BEFORE HESPER)
Manual investigation
Flagged claims land in SIU backlog. 75% never get investigated
HESPER AI
Automated investigation
15-phase investigation, database verification, OSINT, and audit-ready report in minutes

They flag. We investigate.

Detection tools output risk scores. Hesper AI takes those scores and runs a full investigation - document forensics, database verification, OSINT, network analysis - and delivers a resolution, not another alert.

No rip-and-replace required

Hesper AI sits downstream of your existing tools. Flagged claims flow in via API. Investigation reports flow out to your claims management system. Your current stack stays intact.

Better detection ROI

Your FRISS or Shift investment flags 1,000 claims. Without Hesper, 750 sit uninvestigated. With Hesper, every flag becomes a completed investigation. That is the ROI multiplier your detection tools were missing.

SIU teams focus on what matters

Hesper handles the volume. Your senior investigators focus on complex ring cases, litigation support, and strategic work. Not routine document verification and database lookups.

All comparisons

Which comparison are you looking for?

Head-to-head pages, alternatives round-ups, and the longer write-ups on the blog. Each one is written to be fair to the other vendor: where they win, where they stop, and where Hesper fits.

Head to headOne product against another, dimension by dimension.
AlternativesWho else is in the market for a given vendor, and which buyer each one suits.
AlternativesBevaya alternativesThe closest alternative to Bevaya is Indico Data, which does the same intake, enrichment, and orchestration job.AlternativesCharlee.ai alternativesThe closest like-for-like alternative to Charlee.ai is CLARA Analytics, which pairs litigation and severity prediction with defense-panel analytics.AlternativesCLARA Analytics alternativesThe closest like-for-like alternative to CLARA Analytics is EvolutionIQ, a CCC company, for injury and workers' comp claim guidance.AlternativesFive Sigma alternativesThe closest alternatives to Five Sigma are other cloud claims management systems: Guidewire ClaimCenter for enterprise carriers, Snapsheet for digital carriers and MGAs, and Origami Risk for TPAs, pools and self-insured programs.AlternativesFRISS alternativesThe closest direct replacement for FRISS is Shift Technology, which brings AI-native detection and network analysis.AlternativesGradient AI alternativesCLARA Analytics is the closest alternative to Gradient AI for casualty claims, with severity, litigation, fraud and subrogation models in one platform.AlternativesOwl.co alternativesOwl.co's closest alternatives are EvolutionIQ for disability and workers' comp guidance, Wisedocs and DigitalOwl for medical-record evidence, Shift Technology for fraud detection at P&C scale, and Hesper AI for US P&C teams that want the claim resolved rather than only read.AlternativesSapiens ClaimsPro alternativesThe closest alternatives to Sapiens ClaimsPro are other core claims systems: Guidewire ClaimCenter for large carriers, Duck Creek for carriers buying an agentic core, Majesco Claims for mid-market suite buyers, and Origami Risk for TPAs, risk pools and self-insured programs.AlternativesShift Technology alternativesFRISS is the closest like-for-like alternative to Shift Technology, with hybrid rules plus AI and deep Guidewire integration.AlternativesTractable alternativesFor US auto estimating, CCC Intelligent Solutions is the standard alternative to Tractable; Mitchell International adds casualty and workers' comp; Audatex/Solera covers international auto; Snapsheet owns virtual-claims UX.AlternativesWisedocs alternativesThe closest like-for-like Wisedocs alternative is ChartSwap Insights, the former DigitalOwl, now owned by Datavant.
On the blogLonger write-ups on vendors we have not given a dedicated comparison page yet.
04 · FAQ

Frequently asked questions

Does Hesper AI replace FRISS or Shift Technology?

No. Hesper AI works downstream of detection tools. FRISS and Shift are good at what they do - flagging suspicious claims with risk scores. The problem is what happens after a claim gets flagged. Hesper takes those flagged claims and runs a full investigation, turning a risk score into an audit-ready resolution. Think of it as the next step in the workflow, not a replacement for the first step.

Can Hesper AI work without a detection tool in place?

Yes. Hesper AI has its own detection capabilities - document forensics with 200+ fraud signals, behavioral analysis, and pattern matching. But it goes further by investigating every claim it processes. If you already have FRISS or Shift, Hesper AI adds the investigation layer. If you do not, Hesper AI handles both detection and investigation.

How does Hesper compare to hiring more SIU investigators?

A single SIU investigator handles roughly 10 claims per month at a fully loaded cost of $8,000-$12,000 per month. Hesper AI investigates every claim in minutes and delivers the same audit-ready output. The math is straightforward - instead of scaling headcount, you scale investigation capacity. Most teams use Hesper to handle volume while their senior investigators focus on the most complex cases.

What does integration look like?

Hesper AI sits downstream of your existing workflow. Claims come in through API or batch upload. If you use FRISS or Shift, their flagged claims feed directly into Hesper for investigation. The output is a structured investigation report that goes back into your claims management system. Most teams are live within two weeks.

See Hesper investigate a real claim

30-minute call. We will run a live investigation on a sample claim so you can see exactly what the output looks like.

Book a Demo