Claims Fraud Senior Technician

NFU Mutual; Bristol; Hybrid; GBP 46,000 - 55,000; Full time

Job summary

A leading insurance provider in the UK is seeking a Fraud Strategy Lead to oversee fraud detection and validation in claims. You will guide a team, engage with senior technicians, and lead initiatives to modernize tools and methodologies. Ideal candidates will have significant first-party fraud experience, strong decision-making skills, and a focus on continuous improvement. This role offers a competitive salary and a hybrid working model.

Benefits

Annual bonus up to 17.5% of salary

Contributory pension scheme

25 days annual leave + bank holidays

Health and wellbeing plan

£20 monthly gym membership contribution

Employee discounts on insurance policies

Qualifications

• Strong first-party insurance fraud experience, ideally from an insurer.
• Confident in supporting decisions and skilled at guiding others.
• Motivated by doing the right thing with a continuous improvement mindset.

Responsibilities

• Lead on fraud strategy across motor, property, and pet.
• Support a team of Claims Validation Handlers in fraud validation.
• Engage with senior technicians and shape the fraud detection approach.

Skills

Extensive first-party claims fraud experience

Coaching skills

Attention to detail

Strong decision-making skills

Customer focus

Influencing skills

Job description

Working pattern: Full-time (Part-time hours considered)

Salary: Up to £55,000 + 17.5% annual bonus + benefits package

• Lead on fraud strategy – A new senior role where your expertise will shape how we handle first-party claims fraud across motor, property, and pet.
• Join us at a key time – Help drive change as we modernise tools, grow the team, and strengthen our counter fraud approach.
• Hybrid working – with up to 60% from home and 40% from our office in either York or Bristol.

About the role

Fraud doesn’t just cost money - it erodes trust. At NFU Mutual, our Claims Validation team plays a vital role in protecting our customers and business by ensuring claims are investigated fairly, efficiently and with integrity. And right now, we’re entering an exciting phase of transformation, modernising our tools, growing our team, and evolving how we work. That’s where you come in.

This newly created role is a brilliant opportunity for someone ready to step into the most technically expert position in our frontline Claims Fraud team. Based in either York or Bristol, you’ll be supporting a team of 20 Claims Validation Handlers, with a particular focus on first-party fraud across motor, property, and pet/equine. Rather than managing a caseload, your role will be to oversee the entire portfolio - guiding, coaching and shaping how we approach fraud validation and detection.

From helping colleagues progress and develop, to setting and maintaining technical standards, you’ll be the go-to person for quality, consistency, and complex case advice. You’ll work closely with our Counter Fraud function in Head Office and Claims Validation leadership, translating our broader strategy into tangible ways of working within the team. You’ll also play a key role in reporting on performance, identifying trends, and ensuring we move genuine customers through the process quickly while retaining and detecting fraud effectively.

As well as working alongside our internal teams, you’ll engage with senior technicians across the regional network, building strong relationships, supporting collaboration, and helping embed best practice across the business. With ongoing project work and plenty of scope to influence change, this is a rewarding, high-impact role for someone who thrives on detail, challenge, and doing things the right way.

About you

You’ll bring strong first-party insurance fraud experience, ideally from within an insurer where you've worked on complex claims, held a high level of authority, and contributed to technical standards across the team. You might already be seen as a technical expert, or you could be ready to take that next step. We’re also open to those with relevant experience from supplier environments (such as fraud investigators or legal firms) provided you’ve worked closely with insurer portfolios.

You’ll be confident making and supporting decisions, skilled at guiding others, and genuinely motivated by doing the right thing. With a natural eye for detail and a continuous improvement mindset, you’ll help shape the way we work and improve fraud outcomes for both the business and our customers.

We’re looking for someone with:

• Extensive first-party claims fraud experience – ideally from an insurer, with a track record of handling complex, high-value claims using significant authority. Supplier-side experience (e.g. legal or investigative) also welcomed, where aligned.
• Coaching skills – able to support and develop others, building technical confidence and helping the team make strong, well-reasoned decisions.
• Attention to detail and problem-solving ability – essential for quality checking, spotting inconsistencies, and resolving complex issues effectively.
• Strong decision-making skills – acting as a final decision-maker on contentious cases, while helping others develop their judgement and accountability.
• Customer focus and drive for continuous improvement – ensuring fair outcomes for genuine claimants and always seeking ways to improve our systems, processes and results.
• Influencing, collaboration and analytical skills – confident using data and insight to spot trends, shape thinking, influence regional teams, and help evolve how we identify and respond to fraud. Experience using counter fraud detection systems is ideal.

At NFU Mutual, we support an inclusive workplace and value all the differences that make us unique. We celebrate the creativity and innovation that comes from diverse perspectives and experiences and share a common vision of doing the right thing for our customers and employees.

We recognise that some candidates may experience barriers during the recruitment process. So, we encourage candidates to discuss any adjustments or accommodations they need to be the best they can be throughout our recruitment process.

We're proud to be a Disability Confident Employer, a Race at Work and Women in Finance Charter signatory and welcome applications from people of all backgrounds, regardless of age, ethnicity, disability, neurodiversity, gender, religion, marital status, sexual orientation, or socioeconomic background.

Benefits and Rewards

When you join our team,you can expecta supportive cultureandanattractive range ofrewards and benefitsincluding:

• Salary up to £55,000 depending on experience
• Annual bonus (up to 17.5% of salary)
• Contributory pension scheme, up to 20%, including your 8% contribution
• 25 days annual leave + bank holidays + buy/sell/save holiday trading scheme
• A Family Friendly policy that helps you balance your work and family responsibilities
• Access to savings at High Street brands, travel and supermarkets
• £20 contribution to a monthly gym membership – subject to T&Cs
• Health and wellbeing plan- cashback for dentist, opticians, physio and more
• Access to voluntary benefits, including health assessments, private medical insurance and dental insurance
• Employee Volunteering - volunteerin the community for one day each year
• Unlimited access to Refer a Friend £500 bonus scheme
• Life Assurance coverof 4 x salary
• Employee discounts of 15% on a range of NFU Mutual insurance policies.

Working at NFU Mutual

We’reone of the UK’s leading general insurance and financial services companies. For over 110 yearswe’veput our customers at the heart of everything we do.Ourpeopleare just as important to us.

Wepride ourselves on being “a great place to work” and our Gallup Exceptional Workplace 2025 award was not only awarded with Distinction but also named us as the first UK-based company to receive a Gallup Exceptional Workplace for ten years in a row. We are also the only Insurer to feature in the LinkedIn Top 15 Companies 2025 list of ‘Best midsize employers to grow your career in the UK’, the Glassdoor Best Places to Work UK List 2023 and 2024, and were recognised as a certified UK Top Employer by the Top Employers Institute in 2023, 2024 and 2025.

We offer a supportive culture where we empower and inspire our people to perform, offer them opportunities to grow, and recognise and reward their contribution. Our people are proud to work for a company that respects them and their communities, and they trust us to be financially sustainable, so we are successful now and in the future.

3rd & 4th Floor
10 Temple Back
Bristol
BS1 6FL

We are a leading provider of General Insurance and Financial Services. From our strong farming roots we’ve grown to become a UK-wide organisation, turning over £1billion annually. Yet success hasn’t gone to our heads. We’re proud to remain completely customer focused, down-to-earth and committed to the rural communities we’ve grown from.

Our ethos - of trust, respect and personal service - lies at the heart of all we do and has seen us build an enviable reputation for exceptional member loyalty. Though we’ve been in business for over 110 years, we have big ambitions for the future. And that’s why we’re looking for talented people to join our growing organisation. Talented people like you.