Bob Spencer spent the early part of his career in manufacturing, working with fast-moving consumer goods before becoming a consultant specialising in lean and process development across many industries. After a brief spell as an internet entrepreneur, he moved into the finance sector where he began his love for all things fraud. After spells at Capital One, HBOS and Lloyds banks, he moved to Direct Line Group in 2011 and took responsibility for claims, policy and commercial fraud. Whilst there he has tripled their motor fraud performance, set up an acknowledged industry-leading intelligence capability and challenged many of the accepted ways of managing fraud claims.