Long-horizon agentic AI, from fraud signal to SIU packet.
The Layerup fraud agent continuously monitors intake, documents, and emerging file evidence, builds entity networks across the book, and assembles investigator-ready referral packets — not a one-shot score at intake, but a continuous run that lasts for days across the life of a case.
One-shot agents answer. Long-horizon agents finish.
Most AI agents are one-shot: one prompt, one response, no memory, no obligation to finish. Layerup agents are long-horizon — each owns a workflow end to end and stays on it, uninterrupted, for hours or days until the work is done.
One prompt in, one output out. The run is over in seconds — whatever state the work is in.
One workflow worked continuously, for hours or days, until it is actually finished.
Stateless per call. Everything learned about the case is forgotten between steps.
Persistent working memory of the whole case — every document, finding, and decision carried forward.
Guesses or stalls when an input is incomplete. Someone has to notice and re-prompt.
Requests the missing document, follows up, waits for it to land, and resumes exactly where it left off.
Returns a response. Acting on it — updating the core system, moving the queue — is still human work.
Reads from and writes back to your systems of record throughout the run, every action logged for audit.
A label, a draft, a score — an input to someone else's work.
Finished, decision-ready work with rationale and citations attached, staged for human approval.
A one-shot agent can score a claim for fraud at intake — once. It can't keep watching as statements, repair invoices, and medical records land over the following weeks, connect the claim to an entity network across the book, and build an investigator-ready referral packet when the pattern substantiates. The long-horizon fraud agent runs for the life of the case.
From signal to substantiated outcome.
The fraud agent runs the full arc below — continuously, across intake, file development, and book-level patterns — and feeds outcomes back into its own signal engine.
- 01Continuous signal monitoring
- 02Cross-file pattern detection
- 03Evidence assembly
- 04Referral packet
- 05SIU investigator handoff
- 06Outcome tracking
Seven stages. A single continuous run.
From intake-time signals to outcome tracking, every stage below is executed by the same fraud agent in one uninterrupted run.
Catch fraud where it starts — at intake.
The fraud agent evaluates every new claim at intake — coverage, parties, mechanism, prior history, and supporting documentation — and surfaces high-confidence fraud signals before the file is assigned.
- 01Coverage and party reconciliation at intake
- 02Mechanism-of-loss consistency review
- 03Prior loss and prior carrier history
- 04Channel and contact anomaly detection
- 05Severity-weighted signal scoring
Statements, documents, and the timeline — all in agreement.
The agent continuously compares insured and witness statements, supporting documents, photos, repair estimates, and timeline events for inconsistencies that warrant a closer look.
- 01Statement-to-statement comparison
- 02Statement-to-document comparison
- 03Photo and metadata review
- 04Repair / medical / damage consistency
- 05Timeline contradiction flags
Surface repeat actors before they cost you.
The agent identifies repeat providers, vendors, claimants, attorneys, and counterparties across the book and flags patterns that warrant SIU review.
- 01Provider and vendor repeat detection
- 02Attorney and representative patterns
- 03Body shop and DRP outlier patterns
- 04Cross-claim claimant linkage
- 05Geographic and temporal clustering
Networks visible at the book level, not the file level.
The agent builds entity and relationship graphs across the entire claims book and surfaces emerging fraud networks the file-level view can never see.
- 01Entity resolution across the book
- 02Relationship and network construction
- 03Cluster and ring detection
- 04Severity and exposure roll-up
- 05Network-level alerts for SIU
Referral packets investigators can actually use.
The agent synthesizes signals, evidence, and history into a complete, investigator-ready referral packet — citations, exhibits, timeline, and rationale included.
- 01Signal and evidence synthesis
- 02Exhibit assembly with citations
- 03Timeline construction
- 04Rationale documentation
- 05Routing to the right SIU desk
Continuous support throughout the investigation.
Once a file is in SIU, the same agent keeps working it — ingesting new evidence, summarizing developments, drafting subject interview prep, and assembling supplemental exhibits on demand.
- 01Continuous evidence ingestion
- 02Investigation summary updates
- 03Subject interview prep packets
- 04Supplemental exhibit assembly
- 05Database and external source lookups
Every outcome becomes signal.
Substantiated, unsubstantiated, and inconclusive outcomes feed back into the signal engine so detection precision improves over time.
- 01Outcome capture per referral
- 02Precision and recall reporting
- 03Signal tuning by LOB and pattern
- 04False positive review loop
- 05Executive-grade fraud reporting
Move fraud and SIU work from doing to approving.
Deploy the fraud agent in one line of business. Prove the detection lift and SIU packet acceptance rate, then expand book-wide.