Senior Fraud Investigator

Zego; Tottenham; Hybrid; GBP 65,000 - 95,000; Full time

Benefits offered by this job

Market-competitive salary

Annual performance bonus

Share options

Private medical insurance

Pension & generous holiday

£1,000 a year for commuting/learning

Job summary

Zego is seeking a Senior Fraud Investigator to lead high-stakes investigations, including first-party and third-party fraud, credit hire disputes and staged cases. You will have sign-off authority on claims payments, reserves, and defensive actions, while mentoring junior investigators and shaping counter-fraud strategy.

You will collaborate with solicitors, insurers, engineers and internal teams, using data analytics and telematics to detect fraud patterns and drive timely, fair outcomes.

Qualifications

• Proven leadership in fraud or investigations.
• Strong analytical skills to detect fraud indicators and patterns.
• Solid understanding of claims governance and delegated authorities.
• Mentor investigators and deputise for Team Leader.
• Excellent written and verbal communication with solicitors, insurers and internal teams.

Responsibilities

• Lead high-risk first-party and third-party fraud investigations.
• Coordinate with solicitors, engineers, and investigators to drive cases.
• Monitor KPIs, SLAs and audit processes for quality and compliance.
• Sign off on claims payments, reserves and defences within limits.
• Mentor and support team members on complex liability and litigation issues.

Skills

Leadership

Investigation

Risk management

Team mentoring

Communication

Job description

About Zego

At Zego, we're on a mission to do the good thing, not the insurance thing. Insurance hasn't changed much in over a century. The way we live, work and travel has. We're building the real-time, AI-driven infrastructure that powers innovative insurance, so good drivers get cover that works the way they actually drive.

We're not just updating insurance; We're leading the AI evolution in insurance

For us, AI isn't a line on a roadmap or a buzzword on a slide. It's our operating reality, and it's how we build products that back drivers instead of the old insurance playbook. We don't do things slowly, and we don't do bureaucracy. We back high-performance builders who want ownership, early responsibility and the chance to do the most career-defining work of their lives. You'll get the space to try things, the tools to move fast, and the room to see your ideas reach millions of drivers.

About The Role

As Senior Fraud Investigator, you'll lead complex investigations—first party and third-party claims, credit hire disputes, staged accidents, and litigated cases—whilst supporting the team and deputising for the Team Leader. You'll have sign-off authority on claims payments, reserves, and formal repudiations, mentor investigators, and help shape our counter-fraud strategy.

What You Will Be Doing

• Claims Management: Manage high-risk first-party and third-party claims, credit hire disputes, staged accidents, and organised fraud. Lead litigation from start to finish, working with solicitors, counsel, engineers, and investigators. Use telematics data, AI tools, and network analysis to uncover fraud patterns.
• KPIs, SLAs & Audits: Track core KPIs, SLAs, cycle times, and reserve precision to maintain high performance standards. Conduct and review quality audits to ensure compliance and continuous improvement across the unit.
• Timely Fraud Clearance & Fair Outcomes: Proactively investigate and clear non-fraud cases on a timely basis, ensuring genuine customer claims move swiftly to settlement without compromising on quality or compliance.
• Claims Authority & Governance: Sign off on claims payments, reserves, and formal defences within delegated limits. Ensure all decisions comply with company policy and audit requirements.
• Team Leadership & Mentoring: Cover for the Team Leader during leave. Guide and mentor team members on complex liability, credit hire, first party and third-party fraud, litigation, and quantum issues. Help spot emerging fraud trends and improve how the team works.
• Collaboration: Negotiate with third-party insurers, solicitors, credit hire companies, and legal representatives. Prepare clear case summaries for escalations and represent Zego at industry forums.

What You Will Need To Be Successful

• Leadership Skills : Demonstrated ability to motivate and inspire team members, fostering a collaborative and high-performing environment. You’ll act as a role model within the team, providing guidance and support to ensure their success.
• Investigation Skills: Proven experience handling complex cases—first-party and third-party claims, litigated disputes. Strong analytical skills to spot fraud indicators—staged accidents, inflated claims, conflicting timelines, and network connections.
• Risk Management: Solid understanding of claims governance, reserve setting, and delegated authorities. Comfortable reviewing documents, formal repudiations, and ensuring accurate claims data.
• Team Support: Natural mentor who can guide others through tricky investigations and litigation. Happy to step in as deputy Team Leader when needed.
• Communication: Clear writer and negotiator. Able to explain complex cases to solicitors, insurers, and internal teams—and deliver the right outcome commercially and fairly.

The Zego ways of working

Teams work better with time to collaborate and space to get things done. We call it Zego Hybrid: some of us are in our office (central London or Halifax) weekly, others monthly or quarterly. It's about finding the balance between face time and focus that produces great work and a healthy life around it. We also make a point of getting everyone in the same room. Teams come together every quarter, and once a year the whole company does, properly. It's a serious investment and consistently one of the best parts of the year. Here is what the last one looked like.

Benefits

• Market-competitive salary, benchmarked against your function and reviewed every year.
• Annual performance bonus, linked to company performance and your contribution.
• Share options, a real stake in the company and a share in the future you build
• Private medical insurance.
• Pension, generous holiday, and £1,000 a year to spend on getting to the office or learning something new.
• Cutting-edge systems and tools, so you always have what you need to drive your impact.

Equal opportunities

We're an equal opportunity employer and we value diversity at our company. We do not discriminate on the basis of race, religion, national origin, gender, sexual orientation, age, marital status, or disability status.