Ruth Ray (nee Balcombe) is an experienced professional with extensive expertise in fraud detection and data analytics within the insurance sector. Currently serving as Senior Program Director at Cifas since May 2021, Ruth leads a strategic digital product development program aimed at enhancing fraud detection capabilities for over 600 members. Previously, Ruth held leadership roles at the Motor Insurers' Bureau as Head of Product Support & Development and at the Insurance Fraud Bureau, where responsibilities varied from managing core data systems and service delivery to overseeing the development of the industry's first fraud database. Ruth's background also includes positions as Senior Insight Analyst at Legal & General, Complex Fraud Analyst at DAC Beachcroft LLP, and Intelligence Analyst with West Midlands Police, alongside early career experience at Enterprise Rent-A-Car. Ruth holds a Bachelor's Degree in Psychology & Linguistics from the University of the West of England.
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