Fraud Investigator - Level 1 (12 Month FTC) in Manchester

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!

Do you have excellent skills in gathering evidence and handling 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 on a 12-month fixed term contract based in Haywards Heath, West Sussex or Manchester, Salford Quays. 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:

• 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. But if you prefer to be in the office more, that's good with us too.

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:

• Strong experience of handling fraudulent customer, third party damage and personal injury claims.
• Proven track record in investigating both opportunistic and organised motor fraud.
• Managing a caseload with adherence to SLAs
• Proven track record of stakeholder management
• Strong understanding of motor insurance fraud and the purpose of a Counter Fraud Team
• Strong understanding of the various indemnity levels and the subsequent impact that this may have on the claim/policy
• Strong understanding of Part 7 and Part 8 Proceedings
• Strong understanding of the litigation process and the impact that this has on the business both procedurally and economically.
• Strong understanding of regulatory responsibilities (SMRC)
• Excellent knowledge of FCA requirements (including TCF) and the regulatory framework relating to general insurance

Skills & Qualifications:

• Strong communication skills, both verbal and written.
• Strong negotiation and influencing skills.
• Strong time management and organisation skills with the ability to prioritise work.
• Strong analytical and problem solving skills, with the ability to adopt a logical approach to resolving problems.
• Excellent customer service skills.
• Computer literate, to include Word, Excel, PowerPoint and the internet.

Behaviours:

• Self-motivated and enthusiastic.
• Consistently demonstrates a positive attitude
• Can receive and give constructive feedback
• Adopts a proactive approach to their workload
• Identifies and communicates potential process and efficiency improvements
• Embrace, embed and incorporate the Company values
• Passionate about reducing the business exposure to fraud risk.
• Emphasis on attention to detail and accuracy.
• Able to work on own initiative and as part of a team.

Ready to take on an exciting challenge? Apply now and become our next Fraud Investigator.

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.