Noble Insurance Company has received two claims about which the company has grave suspicions about their genuineness and admissibility under the terms of the insurance policy. To help them in the aspect of the genuinenes

Noble Insurance Company has received two claims about which the company has grave suspicions about their genuineness and admissibility under the terms of the insurance policy. To help them in the aspect of the genuineness of the two claims, it appoints a forensic auditor (FA). The claim is not payable where there has been negligence on the part of the insured. The FA was to also look into this aspect and report to the insurer. Bank cyber crime The first claim has been reported by a bank about the fraud committed in the account of one of its customers. The customer had a bank account in Chennai branch. According to the bank, the customer, a resident of India, was then living in New York. He used to periodically transfer amounts to some foreign accounts, i.e. accounts of other persons, who were outside India. He would send intimation through his email (Gmail account) and sign in the necessary forms, as may be required. The customer's Gmail account was hacked by a miscreant. The said miscreant sent an email from the customer's Gmail id (which was the official email id given to the bank), asking for transfer of funds to a bank account in Hong Kong. Since the bank had done such transfers in the past, it did the same during the said time also. A sum of ₹12 lakhs was transferred. Later on, when the customer saw his bank account, he found to his dismay that his account was debited with ₹12 lakhs. He alerted the bank and when enquiry was conducted, it turned out that his Gmail id had been hacked and that a fraudster had done the said fraud. The bank had to pay this amount since the customer was a valuable customer. As the bank had taken policy with the insurance company covering such losses, it lodged the claim and hence the present situation. How can the FA help the insurer in the given situation?