Policy Validation Analyst / Claims Intelligence Analyst

Tesco Insurance & Money Services; Newcastle upon Tyne; Hybrid; GBP 27,000 - 34,000; Full time

Job summary

A leading insurance provider is seeking a Policy Validation Analyst/Claims Intelligence Analyst in Newcastle. This hybrid role necessitates collaboration with various stakeholders to detect and prevent fraud in our claims processes. Candidates should have knowledge of insurance underwriting and possess strong organizational and communication skills. The position offers competitive salary and numerous benefits, ensuring both personal and professional growth. Interviews are expected to take place starting January 2026.

Benefits

Colleague pension scheme

Private Medical Insurance

Performance related annual bonus

Generous holiday allowance

10% discount via Clubcard

Qualifications

• Must have a solid understanding of insurance underwriting processes.
• Experience in fraud detection and a willingness to develop skills.
• Ability to communicate effectively with various stakeholders.

Responsibilities

• Support claims handlers in identifying potential fraud cases.
• Collaborate with internal intelligence teams to combat fraud.
• Educate the business on fraud detection measures.

Skills

Organizational skills

Fraud awareness

Communication skills

Team collaboration

PC literacy

Education

Working knowledge of general insurance underwriting

Tools

Counter fraud software

Microsoft Office Suite

Job description

Tesco Insurance • Newcastle - Q8 Building, Quorum Business Park, Longbenton, NE12 8BU, United Kingdom • Permanent • Apply by 27-Jan-2026

About the role

Serving our customers, communities, and planet a little better every day.

Policy Validation Analyst/Claims Intelligence Analyst - Permanent

Salary: £27,200 - £34,000

Work Level: WL1

Location: Newcastle

Office Attendance: Our roles are hybrid; however, you should be able to travel to our Newcastle office for this position (frequency to be discussed at interview).

Closing Date: Thursday, 27th January 2026 at 5pm

At Tesco Insurance, our Claims team does more than handle claims - we help customers through some of life's most difficult and vulnerable moments. Whether it's a bump in the road, damage to a home, or a sudden emergency, every call is a chance to show we care and to do the right thing with empathy and expertise.

We're proud of our NPS and customer satisfaction scores but even prouder of the skilled and compassionate colleagues behind those results. Whether resolving a claim or partnering with suppliers to deliver great customer outcomes, we're building a team that listens, learns, and leads with kindness.

Here, your ideas matter, your growth is supported, and your work makes a real difference - especially when customers need us most.

Opportunity

We're recruiting Policy Validation Analysts/Claims Intelligence Analysts with a passion for delivery and developing their own skills in a fast paced, extremely busy counter fraud team. You'll be curious in nature, with the ability to challenge when something doesn't quite add up.

Acting as a fraud subject matter expert and referral point across the business, you'll contribute to the development and delivery of the insurance fraud prevention and detection strategy; embedding business process improvements and measures to identify and control underwriting and claims losses due to fraud and premium leakage.

You'll have experience in the detection and identification of claims or underwriting fraud and will possess the ability to recognise the risks that are inherent in these areas.

You'll also add value to the team by voicing ideas, showing a willingness to learn and develop your skills and technical knowledge and by representing Tesco Underwriting at external forums and conferences.

The Role

• Working across the Home and Motor product lines, you'll provide advice and support for customer service / claims handlers when dealing with policies /t claims with a suspected fraud element.
• Work with internal and external intelligence to detect and prevent fraud.
• Collaboration with industry peers, counter fraud bodies, and law enforcement is key in the fight against fraud.
• Attend industry conferences and events, building mutually beneficial relationships to enable sharing of industry best practice in the counter fraud space.
• Participate in industry working parties and intelligence sharing forums to inform best practice and gather intelligence, sharing the outputs internally where appropriate.
• Working within the National Intelligence Model and data protection regulation you'll adhere to strict dissemination rules to ensure that intelligence is shared with the right audience on a strictly need to know basis.
• Provide regular education and outreach support for the business, to drive fraud detection and awareness.
• You'll use various counter fraud software packages and tools to assist investigation.
• Create intelligence profiles to support fraud investigations.

We need you to have

• A working knowledge of general insurance underwriting is essential.
• Organisational skills, ability to manage own workload and diary are essential.
• Must have some fraud awareness.
• Must be able to work well with others and as part of a team, the key to fighting fraud is collaboration.
• PC literate - Microsoft office, Excel, PowerPoint etc. must be comfortable using multi-platform systems.
• Confident communicator - lots of training sessions to deliver, presentations etc.
• Able to build relationships at all peer levels - stakeholder relationship management.
• Be accountable for maintaining own development through attending industry conferences, internal and external courses, CII and / or counter fraud professional qualifications.

And if you have any of these even better

• Experience in counter fraud desirable, although must have some fraud awareness.
• Experience of using counter fraud software and OSINT / social media desirable.

We don't expect you to tick every box, and if you feel you hit most of the brief, it's worth exploring to further develop your career here with us at Tesco Bank.

What's in it for you

• Prepare for your retirement with our colleague pension scheme
• Private Medical Insurance (WL2+) and virtual GP Service you and your family 365 days a year.
• Performance related annual bonus
• Indulge in a generous holiday allowance with a minimum of 7.2 weeks, with the opportunity to buy more
• Embrace the benefits of our Colleague Clubcard, enjoy a 10% discount that increase to 15% every payday (worth up to 2K). As an added perk, we'll give you a second card to share with someone else.
• Benefit from our family-oriented initiatives, encompassing enhanced maternity leave pay, a shared parental leave policy, and a generous 8-week paid paternity leave.
• A place to get on - take advantage of our ongoing learning opportunities and award-winning training, to help you achieve the job and career you want.
• Take part in our Buy as you Earn and Save as your Earn share schemes.

Everyone's welcome

We want all our colleagues to always feel welcome and be themselves. We're committed to building a more inclusive workplace and celebrating everything that makes colleagues unique, and value the richness and diversity this brings to our business. A more diverse business helps us deliver on our purpose to serve our customers, communities, and planet a little better every day.

Interviews

Interviews are expected to be held from January 2026

Why Tesco Insurance and Money Services?

Seeing your impact all around you: there's no better feeling.

Lucky for us, we get to feel it all the time. Because whatever our role, we're helping our colleagues and serving our customers, communities and planet a little better every day.

We deal in the personal - from pet insurance for your best friend, and home insurance for peace of mind, to motor insurance for your dream car or travel money for that trip you've worked hard for.

Everything we do is about making things better. Not just for others, but for you too. It's why you'll get bags of choice and plenty of development. It's why you'll always be heard and find balance that works for you. It's why you'll feel totally at home in a place where everyone's welcome.

So, if you want a career where you can do good and feel good, you've found it.

Let's make everyday a little better.

Our story

Making Insurance and Money Services more rewarding and offering great value and choice - because we know little wins can make a big difference.

We began life in 1997 and now help more than 2 million customers protect what matters to them.

We want to deliver a helpful service in everything we do and to make life easier for our customers. Our policies are really easy to manage online for our customers, but we know that being able to speak to our customer service staff when you need to is really important. This is why our customer service centers are open seven days a week.

Delivering great customer service means having great people behind the scenes - people who understand our customers and are driven by doing the right thing for them. We offer colleagues a place where they can feel totally at home in a place where everyone's welcome, where they can be part of a great team focused on making a real difference for our customers.

How to apply

We value our people and diverse teams and believe the variety of backgrounds and experiences make us stronger to achieve our goals.

Our colleagues are working hybrid, taking time to meet with colleagues in our offices for moments that matter, such as team catch ups, planning meetings and more. If you're interested in finding out more about what a career at Tesco Insurance and Money Services looks like, click apply to find out more!