Marie Skłodowska-Curie Actions

Université Claude Bernard Lyon 1- Hosting offer for an MSCA-IF post-doc candidate in marketing and risk: determinants of insurance fraud

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    24/07/2019 18:00 - Europe/Athens
    H2020 / Marie Skłodowska-Curie Actions
    France, Villeurbanne
    Université Claude Bernard Lyon 1
    Actuarial Science and Finance Institute
    Laboratory of Actuarial Science and Finance

The Laboratoire de Sciences Actuarielle et Financière (LSAF) is a leading actuarial research lab in Europe and undertakes inter-disciplinary research on risks in insurance and finance. The research topics of the laboratory are always evolving to include new risks (human longevity improvements, natural hazards...), recent accounting standards (IFRS), new prudential regulation systems (Basel 4, Solvency 2) as well as new risk management practices (Enterprise Risk Management) or new business models with Big Data and Analytics in insurance. Current team research projects concern in particular the impact of modeling and data analytics on the management of insurance and financial firms, environmental risks, longevity risk management and public health, long term investments and ESG, as well as behaviours and risks.

Strongly associated to ISFA graduate school of actuarial studies, LSAF gathers 30 permanent researchers, 4 post-docs and 18 PhD students. LSAF is part of University Claude Bernard Lyon 1 (UCBL), a multidisciplinary university in the primary fields of science and health. With over 2630 professors and assistant professors and 39,000 students, leading to more than 4500 internationally published articles and 40 patents per year. The University is involved in more than 80 European Union projects.

The LSAF offers to host a MSCA Individual Fellowship candidate ("Experienced Researcher" according to the Marie Sklodowska Curie categories, typically a post-doc), submitting an application to the next MSCA-IF call for proposals (deadline september 2019), interested to work on the following research topic:

Insurance claim fraud costs insurance companies, policymakers, and taxpayers billions of dollars every year and has been described as the second largest white collar crime (Miyazaki, 2009). Insurance fraud can be considered from a consumer behavior perspective. One of the largest issues insurance companies face is that policyholders often do not perceive insurance fraud as an unethical behavior.

The objective of this research is to identify situational and individual factors that reinforce the belief that fraud is not unethical, and consequently fraud behaviors. Very little research has examined the factors that contribute to such perceptions. Miyazaki (2009) showed that higher deductible amounts result in stronger perceptions that insurance claim padding is fair. There are probably other situational factors producing similar effects.

Individual factors can also explain customer perceptions and behaviors regarding insurance fraud. Recently, researchers have adopted this psychological perspective. Deghampour and Rezvani (2013) assume that insurance customers are independent decision makers and that their behavior is a result of the perceived probability of punishment. Tseng and Su (2013) show that salespeople can also influence customer’s perceptions. Here again, there are multiple factors like trust/distrust towards the insurance brand, or perceived organizational justice… that can influence beliefs and fraud behaviors.

Deghampour, A. ; Rezvani, Z. (2013). The profile of unethical insurance customers: a European perspective, International Journal of Bank Marketing, 33, 3, 298-315.

Miyazaki, A. D. (2009). Perceived ethicality of insurance claim fraud: Do higher deductibles lead to lower ethical standards? Journal of Business Ethics, 87, 589–598.

Tseng L.-M. et Su W.P (2013), Customer orientation, social consensus and insurance salespeople’s tolerance of customer insurance frauds, International Journal of Bank Marketing, 31, 1, 38-55.

The fellowship could last for 12 to 36 months, depending on the type of Individual Fellowship.


The successful Marie-Curie Post-doctoral fellow will be supervised by Catherine Viot and Caroline Bayart.

Caroline Bayart is associate professor, UCBL, and member of the academic research center LSAF. Her research interests include survey methods, data analysis and individual behavior modeling.

Catherine Viot is professor at IUT Lyon1, UCBL, member of the academic research center LSAF, and in charge of the Master of Insurance Marketing at ISFA. Her research interests include consumer behavior and misbehavior, consumer innovativeness, branding, and digital marketing..

Application process to LSAF:

Interested candidates are invited to contact us exclusively by email at postdoc-1926@isfa.fr

Make sure that you include the reference "Post-doc 1926" in the title of your email. Please attach a CV, a motivation letter, your MSc marks, as well as a 1-page research proposal.

NB: Candidates will receive the support of the LSAF supervisors, as well as a professional grant application company, to prepare and submit their application with the LSAF as a host laboratory, to the next MSCA-IF call for proposals.


The responsibility for the hosting offers published on this website, including the hosting description, lies entirely with the publishing institutions. The application is handled uniquely by the employer, who is also fully responsible for the recruitment and selection processes.