Motor Fraud Technician in London

Who are we? Howden is a global insurance group with employee ownership at its heart. Together, we have pushed the boundaries of insurance. We are united by a shared passion and no-limits mindset, and our strength lies in our ability to collaborate as a powerful international team comprised of 23,000 employees spanning over 56 countries. People join Howden for many different reasons, but they stay for the same one: our culture. It’s what sets us apart, and the reason our employees have been turning down headhunters for years. Whatever your priorities – work/life balance, career progression, sustainability, volunteering – you’ll find like-minded people driving change at Howden.

Reporting to the Fraud Manager, the primary role will involve the identification, investigation and repudiation of suspected fraudulent personal and commercial motor insurance claims. Assistance with application fraud will also be required.

Main Responsibilities

• Follow the Claims Validation Referral Process and act as a referral point for claims handlers
• Identify and investigate suspected fraud cases in accordance with the GDPR/Data Protection Act and company best practice
• Handle caseload of suspect claims from identification to repudiation/validation
• Conduct compliant recorded telephone interviews with policyholders, claimants and other interested parties
• Instruct external enquiry agents and solicitors and act on intelligence/evidence appropriately
• Assist in developing fraud management tools and risk identification
• Maintain good working relations and secure/compliant data exchange with external parties, including third party administrators, brokers/intermediaries, investigators, law enforcement agencies, industry data providers and other anti-fraud bodies
• Provide support to Underwriters to address application fraud
• Assist with internal and external audits to maintain a high standard of fraud detection and prevention
• Comply with company practices, procedures and processes
• Represent the company at external events
• Attend meetings with relevant stakeholders (internal and external)

Skills and Experience

• Sound knowledge of motor insurance products (commercial and personal lines) and policy wordings
• Fully conversant with the Data Protection Act (2018), the Fraud Act (2006)
• Working knowledge of Consumer Insurance (Disclosure and Representations) Act (2012) and the Insurance Act (2015)
• Ability to identify areas of risk and obtain the required evidence to enable successful repudiation
• Good understanding of the Civil Procedure Rules and the Official Injury Claims Portal process
• Comprehensive knowledge and application of data mining tools and industry databases
• Ability to negotiate economic settlement of claims
• Well informed of industry anti-fraud initiatives, developing trends and strategies, including working with the Insurance Fraud Bureau

Personal Qualities

• Much of the work will be on an individual basis, but must be a team player and have a positive attitude to new challenges
• Inquisitive mind and ability to professionally handle confrontation
• Discreet and compliant with sensitive and confidential data
• Accurate with robust attention to detail
• Excellent communication skills, both written and verbal
• Willingness to develop skills and identify appropriate sources of learning

What do we offer in return?

A career that you define. At Howden, we value diversity – there is no one Howden type. Instead, we’re looking for individuals who share the same values as us:

• Our successes have all come from someone brave enough to try something new
• We support each other in the small everyday moments and the bigger challenges
• We are determined to make a positive difference at work and beyond

Reasonable Adjustments

We’re committed to providing reasonable accommodations at Howden to ensure that our positions align well with your needs. Besides the usual adjustments such as software, IT, and office setups, we can also accommodate other changes such as flexible hours or hybrid working. If you’re excited by this role but have some doubts about whether it’s the right fit for you, send us your application – if your profile fits the role’s criteria, we will be in touch to assist in helping to get you set up with any reasonable adjustments you may require.