Motor Insurance Fraud Investigator

Company Description / Business Unit

Join Our Counter Fraud Team
Be Better – Protect our customers. Prevent fraud. Build your career.

Are you naturally curious with an eye for detail? Do you enjoy solving problems, analysing information and making evidence based decisions? Whether you're already working in insurance fraud or looking to take the next step in your career, we'd love to hear from you.

We're recruiting talented individuals to join our growing Counter Fraud team. Through one application and one interview, you'll be considered for one of two specialist permanent roles, where you'll help protect the AA, our customers and the wider insurance industry from fraud.

Working alongside colleagues across the business, insurers, law enforcement and industry partners, you'll investigate suspected fraud, make evidence based decisions and help deliver the right outcomes for our customers.

Location: Hybrid – Newcastle or Cardiff 2 days per week in the office

Contract: Full‑Time, Permanent

Salary: Competitive salary

We're recruiting for multiple permanent opportunities within our Counter Fraud team.

One Application. One Interview. Two Career Opportunities.

• Fraud Advisor
• Underwriting Fraud Investigator – Motor Insurance

Both roles are permanent, hybrid positions and can be based from either our Newcastle or Cardiff office.

Depending on the role you're appointed to, you'll help identify, investigate and prevent fraud across the insurance customer journey. Responsibilities may include:

• Investigating suspected fraud across underwriting, policy applications, claims and operational referrals.
• Managing end‑to‑end fraud investigations using intelligence, data analysis and fraud prevention systems.
• Reviewing documentation to identify fraud indicators and policy misrepresentation.
• Preparing investigation reports, fraud intelligence submissions and witness statements.
• Making evidence‑based decisions in line with legislation, underwriting principles and business policy.
• Liaising with insurers, law enforcement, the Insurance Fraud Bureau and other industry partners.
• Supporting colleagues across Claims, Contact Centres, Patrol Operations and Underwriting.
• Managing multiple investigations while achieving service levels and productivity targets.
• Identifying emerging fraud trends and contributing to continuous improvement.

We're looking for analytical, customer-focused professionals who enjoy investigating complex issues and making informed decisions.

• Excellent verbal and written communication skills.
• Strong analytical, investigative and problem‑solving skills.
• Excellent attention to detail.
• Ability to manage priorities and work independently.
• Good computer literacy, including Microsoft Office.
• Customer‑focused approach with strong stakeholder management skills.

• Experience with in insurance, fraud or another regulated environment.
• Knowledge of underwriting fraud, application fraud or counter‑fraud practices.
• Experience using fraud prevention software and intelligence tools.
• Knowledge of CIDRA, GDPR and Data Protection legislation.
• Experience working with law enforcement or insurance industry bodies.

As a valued member of our team, you'll have access to structured learning and development programmes, helping you build a rewarding career with the AA. Whether you're looking to deepen your expertise or progress into specialist opportunities, we'll support you every step of the way.

• Competitive salary (dependent on role and experience)
• Discretionary performance‑related annual bonus
• Contributory pension scheme
• 25 days annual leave plus bank holidays
• Free AA Membership from day 1 of employment
• Discounts across AA products and services, including car and home insurance
• Flexible benefits package
• Learning, development and career progression opportunities