Senior Fraud Investigator - Complex Fraud

Senior Fraud Investigator - Complex Fraud

Haywards Heath
Claims & Fraud
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We’re First Central Insurance & Technology Group (First Central for short), an award-winning innovative insurance and technology organisation, delivering market-leading motor insurance, underwriting, distribution, finance, technology and legal services.

We’re on the hunt for a talented Senior Fraud Investigator to join our Counter Fraud Services team in Haywards Heath, West Sussex, or Salford Quays, Manchester.
Your role as a Senior Fraud Investigator is to manage and investigate a portfolio of network and complex fraud cases, while also developing investigation strategies and providing support to the Investigation Team and Technical Manager within CFS. You’ll contribute to providing a valued range of counter fraud services to the business, creating an atmosphere of professionalism and mutual support among employees, while supporting in the successful delivery of fraud management within the business. 
Job responsibilities

  • Handle a personal caseload of potential fraud risks, including fraud networks, in accordance with CFS SLAs, FCA regulations, and legislative and policy guidelines
  • Development of CFS strategies to proactively investigate potential fraud risks
  • Caseload to include desk-top handling, with direct interaction with policyholders, third parties and witnesses; extending to incorporate telephone-based interviews and written communications, and the appointment of external specialists to include investigators, law firms and motor engineers
  • Liaising with external agencies, attend industry conferences and seminars
  • Produce high quality written reports and advice for the business, to include recommendations
  • Responsible for daily workflow allocation, including allocating incoming fraud risk referrals to appropriate team members based on current team resource and experience levels
  • Assist supervisor with the production of MI (weekly and monthly)
  • Assist supervisor with daily tasks including but not limited to: the authorisation of decision logs, the authorisation of case strategies, monitoring the work state and allocating tasks on ICE within team caseloads to ensure that SLAs and performance targets are achieved
  • Delegate incoming requests from panel solicitors to individual team members
  • Help to manage the relationship with FCIM panel of service providers including law firms and investigators
  • Provide advice and support to business areas and CFS with regard to potential fraud risks
  • Act as a mentor for Fraud Investigators and as a technical referral point
  • Process and authorise cheques on claims files as required and in accordance with authorities
  • Ensure claim files are reserved accurately and reserves amended where required
  • Meet agreed fraud KPIs and targets
  • Comply with the requirements, and act in accordance with, the Group Code of Conduct and Fitness and Propriety policies at all times 
  • Ensure compliance with Company Policies, Values and guidelines and other relevant standards/regulations at all times, including compliance with the Senior Managers Certification Regime (SMCR) Conduct Rules 
  • Any other reasonable duties 

Experience & knowledge 

  • Strong motor claims and policy experience
  • Proven track record in investigating fraud risks impacting on a motor insurer
  • Claims fraud investigation and management, to include organised motor fraud
  • Excellent knowledge of processes and tactics used to investigate and manage insurance fraud, and a solid understanding of relevant fraud related legislation
  • Excellent knowledge of FCA requirements (including TCF) and the regulatory framework relating to general insurance
  • Sound understanding of all aspects of motor insurance

Skills & qualifications  

  • Good communication skills, both verbal and written   
  • Good time management and organisation skills  
  • Negotiation and influencing skills 
  • Strong analytical and problem-solving skills, with the ability to adopt a logical approach to resolving problems
  • Strong customer service skills
  • Good numeracy and literacy skills
  • Computer literate, to include Word, Excel, PowerPoint and the internet
  • Desktop fraud investigation, to include telephone interviews
  • Appointment and management of external fraud service providers
  • Excellent report production skills. 


  • Customer-focused (internal customers and external)
  • Passionate about reducing the business exposure to fraud risk
  • Takes initiative to make decisions
  • Emphasis on attention to detail and accuracy
  • Able to work on own initiative and as part of a team 
  • Confident in presenting complex information in a clear and concise manner 
  • Self-motivated and enthusiastic 
  • An organised and proactive approach  
  • A flexible approach and positive attitude  
  • Strives to drive business improvements to contribute to the success of the business  

What can we do for you? 
We believe we can offer you a great working environment as we’re so passionate about our people. Here are just some of the benefits and perks that we offer…

Fantastic training and development opportunities
Employee benefit packages to suit your lifestyle
Flexible working
YOUday – we give you an extra day off to celebrate a special day
The opportunity to take a paid day off each year to do charity work
A health cash plan
Help with travel expenses
The opportunity to buy additional holiday
Company pension scheme
Group life assurance
Enhanced maternity and paternity pay
Professional subscription fees paid

Employee wellbeing is high on the agenda here too. We provide a weekly free fruit delivery, discounted membership at a local health club and access to an Employee Assistance Programme, which promotes physical and emotional wellbeing at work and at home. In addition, we provide wellbeing events throughout the year to support physical and mental health.

For further information on what we can offer and to learn more about this role, feel free to contact our dedicated Recruitment team.
If this job sounds like the role you're looking for, apply today!
Want to know what it’s really like to work at First Central? Take a look at our Glassdoor reviews.

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

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

Based on 150 Glassdoor reviews (October 2021)


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Flexible working

We support colleagues who wish to work flexibly whilst meeting the needs of the business.


We give you an extra day off to celebrate a special day.

Holiday Extra

Not only do you get a generous holiday entitlement, you can also buy additional leave.


Get a day off each year to take part in volunteering activities.

Health cash plan

Claim money back on your healthcare costs, such as dental check-ups and eye tests.

Season ticket loan

We provide interest-free loans to cover the cost of season tickets for rail, bus or car parking.