Fraud Investigator

We’re 1st Central, a market-leading insurance company utilising smart data and technology h 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…