Home (re) Insurance Latin America Bringing innovation to small business claims

Bringing innovation to small business claims

6 min read

Resolve small BI claims quickly and accurately is possible with a new small claims accounting service, powered by Stratis.

Lowers Forensics makes small work of small claims using the power of our proprietary AI-driven modeling software.

Insurance companies can save significant money while resting assured their small BI claims are handled quickly and accurately.


Stratis is the engine behind the small claims accounting service.

Using machine learning and built-in algorithms, Stratis catches red flags and generates accurate calculations that are verified by expert forensic accountants and reviewed by top-level executives.

Adaptable to any product line and any portfolio, Stratis is the most advanced claims accounting tool available.

Lowers Forensics will be at and would love to show you what Stratis and the Lowers Forensics Team can do.

Contact your Lowers Forensics point person or drop us a line here to pre-schedule a time to meet.

Lowers Forensics International is a financial forensics firm, offering expertise in forensic accounting, litigation support, insurance claim accounting, and financial investigation services.

Lowers Forensics International is an internationally recognized accounting and consulting firm with offices across the United States and United Kingdom. Their broad range of experience includes financial and data analysis, review of relevant economic issues, expert witness testimony, evidence gathering, and administrative support.


Joe Scarlato, CFE
President, International

Joe Scarlato is a forensic accountant who has been evaluating economic and financial damages in litigation and insurance for more than 13 years.

Joe has worked primarily in Latin America and has testified in tribunal hearing in various countries in Latin America. He has been involved in international mediations and arbitrations.

Joe has spoken at events throughout the world on topics such as Power Purchase Agreements, Mining Economics, Advanced Business Interruption theory and most recently sat on a distinct panel at the Young Arbitrators Forum in Miami.

He is fully bilingual and has served as an expert witness in Spanish and English.

Sector Experience:

  • Power Generation
  • Mining
  • Oil and Gas
  • Asset Tracing
  • Fraud Theory

Professional Qualifications:

  • Certified Fraud Examiner


Carlos A. Rivera
Senior Vice President


Honing his skills in the specialized aspects of investigative accounting, Carlos Rivera has focused his career on forensic accounting. He is highly experienced in the review, analysis and measurement of US and international business interruption and property losses as well as disputes for clients in the insurance and legal markets. Carlos has evaluated economic damages in claims from a variety of industries, such as:


  • Energy, including oil and gas, and power generation and transmission
  • Manufacturing, including cement, steel, plastics and corrugated materials, graphite, food and beverage processing, etc.
  • Mining
  • Hospitality
  • Pharmaceuticals
  • Retail and personal services
  • Logistics and distribution
  • Construction

Additionally, Carlos possesses expertise in the field of non-verbal communication, applying these skills to his career as a forensic accountant. He holds a Master Certification in Advanced Nonverbal Communication from JN Forensics Academy, as well as Master Certifications in Subtle Expression Recognition and Micro-Expression Recognition.

Fluent in both English and Spanish, Carlos has extensive experience with claims in the US, Argentina, Chile, Brazil, Mexico, Guatemala, Costa Rica, Panama, the Dominican Republic, Jamaica, Puerto Rico, Venezuela, Colombia, Honduras and Ecuador.


  • 2010, Master of Accountancy—Forensic Accounting, Florida Atlantic University
  • 2007, Bachelor of Business Administration—Accounting/Finance, University of Miami Select Testifying

Professional Credentials:

  • Certified Fraud Examiner
  • Master Analyst in Financial Forensics


Other Business Interruption articles:

When Catastrophe Strikes: The Cost of Business Interruption

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