Fraud Investigator

First Central Services; Haywards Heath; Hybrid; GBP 29,000 - 35,000; Full time

Job summary

A market-leading insurance company in Haywards Heath is seeking a Fraud Investigator for their Counter Fraud Services team. The role involves investigating fraudulent claims, applying critical thinking, and managing a caseload effectively. The company offers a supportive environment, competitive salary, and numerous employee benefits including flexible working options and ample holiday.

Benefits

25 days holiday plus 8 bank holidays

£100 off car insurance

Flexible bank holidays

Electric car scheme

Paid volunteer day

Qualifications

• Experience in handling fraudulent claims, particularly personal injury and vehicle damage.
• Strong understanding of motor insurance fraud and regulatory responsibilities.
• Excellent verbal and written communication skills with customer service orientation.

Responsibilities

• Investigate suspected fraudulent claims and gather evidence.
• Conduct interviews with customers and external suppliers.
• Assess evidence and identify cases of potential Fundamental Dishonesty.

Skills

Critical thinking

Attention to detail

Case management

Investigation techniques

Communication

Teamwork

Tools

Microsoft Word

Microsoft Excel

Microsoft PowerPoint

Job description

We’re 1st Central, a market-leading insurance company utilising smart data and technology at pace. Rapid growth has been based on giving our 1.4 million customers exactly what they want: great value insurance with an excellent service. And that’s the same for our colleagues too; we won Insurance Employer of the Year at the British Insurance Awards 2024 and our Glassdoor score is pretty mega too!

Do you have excellent skills in gathering evidence and handled a caseload of fraudulent claims? Passionate about uncovering hidden truths? Are you a strong communicator with the ability to engage with a wide range of suppliers and customers?

We’re looking for a Fraud Investigator to join our Counter Fraud Services team in Haywards Heath, West Sussex.

You’ll be working as part of a growing, innovative team, responsible for protecting the business and customers from the impact of fraud. You’ll be investigating a caseload of suspected fraudulent claims, ranging from Low Velocity Impacts to Staged and Contrived collisions.

Core skills we’re looking for to succeed in the role:

Critical thinking: Use your logical reasoning to analyse evidence and draw conclusions about potential crimes

Attention to detail: Pay close attention to the small detail to uncover evidence of fraud

Case management: Handle investigations from start to finish, ensuring all necessary steps are taken

Investigative techniques: Can use various methods for gathering evidence and conducting interviews

Working flexibly, you'll spend the 3 months in the office full-time for training and support, then hybrid begins with 4 days at home and 1 day in the office - if you prefer to be in the office more - that's good with us too.

Here’s a glimpse of what we can offer:

• Starting salary from £29,000 to £35,000, depending on experience
• Monday to Friday, no weekends!
• 25 days holiday plus 8 bank holidays and an extra 'You' day off for important occasions or just a day for you!
• Fully supportive team throughout
• £100 off your car insurance
• A fun, vibrant and busy place to work

What's Involved:

• You’ll carry out thorough investigations and gather evidence on suspected fraudulent claims for personal injury, vehicle damage and credit hire
• You’ll conduct telephone interviews with customers as well as engaging external suppliers including accident investigators, motor engineers and panel solicitors
• You’ll assess evidence including intelligence, Police reports, medical records and engineering evidence to identify inconsistencies and determine the outcome
• You’ll identify cases of potential Fundamental Dishonesty, private prosecutions, or professional enabler involvement
• You’ll provide advice and support to business areas with regard to potential fraud risks.
• You’ll process payments on claims files as required and in accordance with authorities.
• You’ll ensure claim files are reserved accurately and reserves amended where required.
• You’ll meet agreed fraud KPI’s and targets.
• You’ll ensure compliance with Company financial crime procedures and related policies.
• You’ll submit Suspicious Activity Reports as necessary to the Company MLRO.
• You’ll ensure compliance with Consumer Duty principles when liaising with customers.
• You’ll build and maintain relationships both internally and externally.
• You’ll be compliant with health and safety policies at all times.
• You’ll ensure compliance with company and other relevant standards/ regulations at all times.
• You’ll produce high quality written reports and advice for the business, to include recommendations.

Experience & knowledge:

• You’ve strong experience of handling fraudulent customer, third party damage and personal injury claims
• You’ve a proven track record in investigating both opportunistic and organised motor fraud
• You can manage a caseload with adherence to SLAs
• You’ve a proven track record of stakeholder management
• You’ve a strong understanding of motor insurance fraud and the purpose of a Counter Fraud Team
• You’ve a strong understanding of the various indemnity levels and the subsequent impact that this may have on the claim/policy
• You’ve an understanding of Part 7 and Part 8 Proceedings
• You’ve a strong understanding of the litigation process and the impact that this has on the business both procedurally and economically
• You’ve a strong understanding of regulatory responsibilities (SMRC)
• You’ve excellent knowledge of FCA requirements (including Consumer Duty) an the regulatory framework relating to general insurance
• You’re a great communicator, both verbal and written, with the skills to influence and negotiate
• Organisation, timekeeping and prioritisation are second nature to you
• You’re analytical and have problem-solving skills with the ability to adopt a logical approach to resolving problems
• You’ve got great customer service skills. After all our customers are key!
• You’re not fazed by computers and software. Competent in Microsoft applications, particularly Word, Excel & PowerPoint.

Behaviours:

• You’re self-motivated, proactive and enthusiastic
• You can receive and give constructive feedback
• You adopt a proactive approach to your workload
• You can identify and communicates potential process and efficiency improvements
• You embrace, embed and incorporate the Company values
• You’re passionate about reducing the business exposure to fraud risk
• You’ve got a sharp eye for detailand accuracy
• Teamwork makes the dream work! You’ve the ability to work on own initiative and as part of a team

If you’re ready to take on an exciting challenge to showcase your negotiation expertise and be an integral part of a thriving team apply now and become our next Fraud Investigator.

What can we do for you?

People first. Always. We’re passionate about our colleagues and know the best people deserve an extraordinary working environment. We owe it to them so that’s what we offer. Our workplaces are energetic, inspirational, supportive. To get a taste of the advantages you’ll enjoy, take a look at all our perks in full here .

Intrigued? Our Talent team can tell you everything you need to know about what we want and what we’re offering, so feel free to get in touch.

We’re happy to discuss flexible working during the recruitment process.

As part of our Women in Finance Charter pledge, we've committed to having 30% of women in leadership roles by the end of 2023.

86% of people would recommend a friend to work at First Central

Simply Health Cash plan. Reclaim the cost of your eye tests, dental appts, physiotherapy and more

Flexible Bank Holidays

Eight flexible bank holidays; you can choose which festivals you observe

We’re passionate about it. Everyone gets a paid day off annually to volunteer

Electric Car Scheme

Plug into our Electric Car Scheme for a deal with insurance, road tax and servicing

Flexible Working

We’re flexible; most roles let you mix office and home working. We work fluidly around core hours

Your Time in Need

Your Time in Need: five days’ leave so you can deal with life stuff. We’ll support you