Experts in Crime

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A tailored, global response by specialist forensic accountants

We are appointed by insurers all around the world to handle claims under crime policies. It is one of our main areas of work.

Our experience across diverse industries and jurisdictions allows us to bring a broad base of knowledge to the assessment of internal controls, the evaluation of a fraudulent scheme, and the expert quantification of a claim.

From small stock losses, to multi-million-dollar frauds affecting multinationals, we are well-versed in investigating and quantifying all types of claims.

Types of claim that we deal with

Employee dishonesty

Social engineering

Forgery

Theft of stock

We are usually engaged soon after discovery of the incident, so we can apply our expertise from the outset.

We then collaborate with a business’s own team to ensure the efficient and effective handling of the enquiry. We give constructive advice on how best to develop the internal investigation, as well as the active steps that can be taken to mitigate the loss and pursue recovery.

The scope of our involvement depends on the nature of the loss, its potential quantum, the affected business’s own resources, and the terms of the policy. Our reports are always tailored to the specific requirements of our client and the level of investigation is agreed in advance. All of our team understand the importance of identifying cost effective solutions when examining claims with complex issues.

As well as conventional loss adjusting, our forensic accountants can undertake detailed investigations where appropriate. Our experience of audit techniques means we are well versed in financial analysis and are often instructed by insurers in that role.

Our team

Meet the Crime experts

Ruth Willmington

Director

Ruth Willmington leads ASL’s crime offering, having market leading experience of investigating, analysing and reporting on complex crime claims. Ruth also handles cyber and professional indemnity matters.

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Erika Hinojosa

Director

Insurers engage Erika Hinojosa to resolve some of the most complex and high value claims sustained by insureds in Spain and across the Americas.

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Andrew Hutchinson

Director

Andrew Hutchinson is head of ASL’s financial institutions class of business.

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Stephen Ixer

Director

Stephen Ixer is a market leading expert on financial sector crime and liability assignments across Latin America – regularly appointed by insurers in London, Miami and elsewhere.

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David Ledger

Director

David Ledger is appointed by insurers in the UK, Continental Europe, the US and Asia to resolve claims under financial institutions and crime policies. Having specialised in the field for more than 30 years, David has worked on some of the most high-profile claims in the financial lines space.

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Robert Lloyd

Director

Robert Lloyd leads ASL’s cyber practice. He is recognised across the cyber and financial lines markets for his diplomatic and pragmatic approach to resolving claims.

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Edward Maddison

Consultant

Insurers have long benefited from Edward Maddison's unrivalled experience and expertise on some of the largest and most complex notifications in the financial lines market.

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Helen Meredith

Managing Director

Helen is ASL’s Managing Director. She leads ASL’s political risk and credit practice and also deals with claims affecting financial institutions worldwide.

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Hetle Soni

Director

Hetle Soni is head of ASL’s professional and management liability team. She is a true specialist in the field, dealing with complex matters in the UK, offshore and internationally.

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James Vincent

Director

James Vincent leads the multi-disciplinary loss adjusting team at ASL’s office in Dubai and is responsible for the firm’s business throughout the Middle East, Africa and Asia-Pacific regions.

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Joana Ball

Associate Director

Joana Ball is part of ASL’s multi-disciplinary loss adjusting team. Her focus is on financial institutions, crime and cyber exposures, primarily in the Spanish speaking world, and political risk and credit exposures worldwide.

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Kunal Benodekar

Associate Director - Dubai Office

Kunal Benodekar specialises in financial institutions, crime and cyber claims throughout the Middle East, India, Africa and Asia Pacific. He is based in ASL’s Dubai office.

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Alison Horne

Associate Director - Dubai Office

Alison Horne is a key member of ASL’s financial lines team in Dubai, where she works on complex first and third party claims involving some of the biggest financial institutions in the MENA region. Alison also investigates and resolves crime, management liability and political risk and credit exposures, not just in the MENA region but further afield.

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Claudia Houlihan

Associate Director

Claudia Houlihan deals with first party losses and third party exposures sustained by financial institutions in every continent. She is bilingual in English and Portuguese.

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Sandy Kapoor

Head of Dubai Office

Sandy is head of ASL’s Dubai office. A qualified solicitor, Sandy has extensive experience of resolving complex financial institutions, crime, cyber and professional indemnity claims.

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Elinor Lamerton

Associate Director

Elinor Lamerton is a lawyer with commercial acumen and long-standing experience of professional and financial risks. Elinor joined ASL’s London office from RPC, where she managed complex and often multi-party litigation and arbitration disputes.

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Joanne Raby

Associate Director

Jo Raby is a chartered accountant who works across a wide range of financial crime, professional indemnity, cyber and forensic accounting assignments.

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Daniel West

Associate Director

Dan West is a forensic accountant and ASL’s technical lead for business interruption losses and remediation / mitigation costs arising from cyber events. He is also well versed in handling crime claims, including business email compromise.

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Jolanta Wichtowski

Associate Director

Jola Wichtowski deals with crime and other financial sector losses, including complex cyber claims with an emphasis on assessing remediation and mitigation costs.

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Jessica Bain

Senior Adjuster - Dubai Office

Jessica Bain specialises in financial institutions, crime, cyber and trade credit claims across the Middle East, Africa and Asia Pacific.

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Georgia Blessed

Senior Adjuster

Georgia Blessed is a qualified chartered accountant and a forensic accounting specialist. Georgia applies that expertise for the benefit of ASL’s insurer clients across the full range of financial lines and cyber exposures.

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Charles Harris

Senior Adjuster

Charlie Harris is a chartered accountant, specialising in financial institutions, crime, cyber and business interruption claims. He is part of ASL’s multi-disciplinary team based at our London office, working for insurers around the globe.

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Thomas Morley

Senior Adjuster

Tom Morley is a chartered accountant with a wide-ranging audit background. He specialises in claims under crime, cyber, business interruption and financial institutions policies.

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Marcus Newman

Senior Adjuster

Marcus Newman specialises in cyber, financial institutions and crime claims, in the UK and internationally.

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William Sanders

Senior Adjuster

Will Sanders is a chartered accountant with a broad audit background, having worked in private practice and in-house in both the UK and Australia. At ASL, Will specialises in investigating and quantifying claims under crime, cyber, business interruption and financial institutions policies.

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Alice Squizzoni

Senior Adjuster - Dubai Office

Alice Squizzoni is a specialist investigator of complex financial claims.

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Demini Varia

Senior Adjuster

Demini Varia is a multilingual forensic accountant. As part of ASL’s multi-disciplinary team, Demini focuses on claims across Latin America, often involving complex quantum issues.

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Maxime Gross

Adjuster / IT Specialist

Max Gross is an expert in investigating and resolving cyber and financial lines claims. Bilingual in English and Spanish, Max works on claims emanating from all over the world but with a focus on the UK and Latin America.

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