At a Glance
- Tasks: Investigate and prevent fraud in motor insurance, using data analysis and intelligence.
- Company: Join the AA, a leader in protecting customers and preventing fraud.
- Benefits: Competitive salary, annual bonus, 25 days leave, and flexible benefits.
- Other info: Hybrid work model with excellent career development opportunities.
- Why this job: Make a real impact by safeguarding customers and the insurance industry.
- Qualifications: Analytical skills, attention to detail, and experience in insurance or fraud.
The predicted salary is between 30000 - 40000 £ per year.
- Fraud Investigator Motor Insurance (Underwriting & Claims) Business Area Reference
- Contract Type
- Full Time
- Location
- Cardiff; newcastle
- Closing Date
- 27-07-2026
- Company Description/ Business Unit
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.
This is the job
We're recruiting for multiple permanent opportunities within our Counter Fraud team.
You only need to submit one application.
There will be a single interview process where we'll assess your skills, experience and strengths.
Following interview, successful candidates will be matched to the role that best suits their experience and potential:
- Fraud Advisor
- Underwriting Fraud Investigator - Motor Insurance
Both roles are permanent, hybrid positions and can be based from either our Newcastle or Cardiff office.
What will I be doing?
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.
What do I need?
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.
- Customer-focused approach with strong stakeholder management skills.
- Experience within 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.
- Additional Information
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.
- We're always looking to recognise and reward our employees
- 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
Fraud Investigator Motor Insurance (Underwriting & Claims) in Cardiff employer: Automobile Association
The Automobile Association in Southampton is an exceptional employer, offering a unique opportunity for Mobile Mechanics to work independently while receiving comprehensive training and support. With a strong focus on employee growth and inclusivity, the company provides guaranteed earnings and an attractive benefits package, making it a rewarding place to build your career in the automotive industry.
StudySmarter Expert Advice🤫
We think this is how you could land Fraud Investigator Motor Insurance (Underwriting & Claims) in Cardiff
✨Dive Into Industry Networking Events
Get your foot in the door by attending insurance industry events and conferences. Not only will you learn about the latest trends, but you'll also meet potential employers and industry peers. Check out local chapters of professional bodies like the Chartered Insurance Institute for valuable meetups.
✨Use LinkedIn to Your Advantage
Don’t underestimate the power of LinkedIn in the insurance world. Engage with industry content, join relevant groups, and connect with professionals at companies you admire (like Automobile Association). A thoughtful message explaining your interest can really make a difference!
✨Look Out for Graduate Schemes
Many firms in insurance have structured graduate programmes. Keep an eye on application windows and utilise your university's career services for insider tips. These schemes are designed to develop talent and often lead to permanent roles after your initial training.
✨Leverage Your Current Connections
Got friends or family in the industry? Now’s the time to reach out! Personal referrals can give you a head start, so let them know you're on the lookout for full-time opportunities at places like Automobile Association. Don’t shy away from asking for a coffee chat; you never know what doors it might open!
We think you need these skills to ace Fraud Investigator Motor Insurance (Underwriting & Claims) in Cardiff
Some tips for your application 🫡
Highlight Your Analytical Skills:In insurance, we love a candidate who can crunch numbers and analyse data effectively. When crafting your CV, make sure to showcase any relevant coursework or experiences that highlight your analytical abilities, especially if you’ve tackled risk assessment or financial modelling.
Showcase Industry Knowledge:Don’t be shy about your knowledge of the insurance sector! We want to see that you've done your homework on current trends, regulations, and challenges in the industry. Mention any relevant projects or studies you’ve completed that demonstrate your understanding of the field in your cover letter.
Craft a Compelling Cover Letter:Your cover letter should tell us why you’re passionate about insurance. Share any personal experiences or what drew you into this profession. We’re looking for enthusiasm and a clear motivation for why you want to be part of our team at Automobile Association.
Tailor Your CV for the Role:Don't just send a generic CV! Focus on tailoring it specifically for the insurance role at Automobile Association. Highlight relevant skills such as risk management, customer service experience, or any certifications you've earned in the industry to make your application stand out.
How to prepare for a job interview at Automobile Association
✨Know Your Numbers: Insurance Fundamentals
Brush up on your understanding of key insurance concepts, like underwriting principles and risk assessment. Expect the interviewer at Automobile Association to throw some technical questions your way, so be ready to demonstrate your grasp of these essentials.
✨Showcase Your Analytical Side
In the insurance world, it's all about data. Prepare to discuss any analytical tools or methodologies you've used in past experiences. If you have a portfolio of projects where you've tackled complex data, bring that along to impress the team!
✨Prepare for Behavioural Questions
As a full-timer at Automobile Association, they'll want to know how you handle real-life scenarios, not just theory. Think about challenges you've faced in teamwork or customer service, and how those experiences can relate to a career in insurance.
✨Know the Company Culture Inside Out
Understanding Automobile Association's values and workplace culture is essential. Don’t just memorise their mission statement; think about how your personal values align with theirs. This will show your genuine interest in being part of their team long-term.
