We’re 1st Central, a market-leading insurance company utilising smart data and technology at pace. Rapid growth 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!
Are you a detail-oriented investigator with a talent for uncovering the truth? Do you thrive in a fast-paced environment? If so, we have the perfect opportunity for you!
We’re on the hunt for a talented Fraud Investigator – Accidental Damage to join our Counter Fraud Services team in Salford Quays, Manchester on a 12 month fixed term contract.
Working as part of a growing and vibrant team, you’ll be responsible for protecting the business and customers from the impact of fraud. You’ll be investigating a caseload of suspected fraudulent Accidental Damage claims by conducting telephone interviews with our customers to gather crucial information. Collaborating with internal colleagues, stakeholders and third-party suppliers to evaluate and investigate evidence, enabling you to make a informed decision on each claim.
Core skills we’re looking for to succeed in the role:
Investigative: You’ll be proficient in gathering and analysing evidence, interviewing customers and conducting thorough investigations.
Analytical: You’ll have an ability to analyse data to detect patterns and anomalies that may indicate fraud.
Problem-solving: You’ll think creatively and strategically to resolve complex claim cases.
Negotiation: In some cases, fraud investigators may need to negotiate with suspects or other parties to obtain information or resolve issues.
We love flexibility and hybrid working! The first 3 months will be in our Salford Quays, Manchester office for training and support. Upon completing 3 months of service and subject to your performance hybrid working can begin at 4 days from home and 1 day a week in the office. If you prefer to be in the office more that’s good with us!
What’s involved:
You'll manage a portfolio of suspected organised/opportunistic accidental damage claims in accordance with our claims handling procedures, reserving philosophy and SLAs
You'll conduct telephone interviews with customers as well as engaging external suppliers including accident investigators, motor engineers and panel solicitors
You'll conduct open source and desktop enquiries utilising various databases (CUE, HPI, MIAFTR) as well as liaising with accident investigators, insurers, engineers and law enforcement agencies
You'll assess evidence including intelligence, Police reports and engineering evidence as part of the investigation process
You'll support the delivery of telephony targets whilst providing a professional service to customers
You'll provide regular verbal and written updates to parties involved on both inbound and outbound calls
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 ensure compliance with company and other relevant standards/ regulations at all times.
Experience & knowledge:
Proven track record of managing a caseload of fraud claims with adherence to SLAs
Previous experience of working for an insurer (Motor insurance an advantage)
First party claims handling an advantage
Strong understanding of FCA, Consumer Duty and FOS
Good understanding of motor insurance industry
An understanding of the various indemnity levels and the subsequent impact that this may have on the claim/policy
Skills & qualifications:
Strong communication skills, both verbal and written and negotiation and influencing skills
Analytical skills to identify inconsistencies and trends within the evidence available
Excellent problem-solving skills time-management and organisational skills
Behaviours:
Self-motivated and enthusiastic
An organised and proactive approach
Ability to work on own initiative and as part of a team
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?
People first. Always. We’re passionate about our colleagues and know the best people deserve an extraordinary working environment. We owe it to them so that’s what we offer. Our workplaces are energetic, inspirational, supportive. To get a taste of the advantages you’ll enjoy, take a look at all our perks in full here.
Intrigued? Our Talent team can tell you everything you need to know about what we want and what we’re offering, so feel free to get in touch.
