Desk Investigator - Fraud Analyst in Cheltenham

The Fraud investigator role is an integral part of Technical Claims at Marley Risk Consultancy's (MRC), responsible for identifying, investigating, and mitigating fraudulent insurance claims. Through raising fraud awareness and delivering high-quality, intelligence-led investigations, you will support the development of a strong anti-fraud culture, helping to protect the business, its clients, and honest customers from the financial and reputational harm caused by insurance fraud.

As an experienced investigative professional, you will apply intelligence-led methodologies to enhance fraud detection, conduct robust and evidence-based investigations, and support fair, consistent, and transparent claims outcomes, ensuring compliance with all legal, regulatory, and ethical standards.

You will work collaboratively with Claims, Underwriting, Legal, and external stakeholders, and will also support wider investigative activity across the business, including Major Loss and Recovery functions, where your investigative skills and analytical capability can add value.

Job Type: This role will be a full-time permanent contract (Mon-Fri).

Job Location: This role will be associated with MRC headquarters in Cheltenham but can be a fully remote, hybrid or office based. A presence at site locations will be required with occasional travel.

Key Activities:

• Fraud Detection & Investigation: Identify potentially fraudulent claims through referrals, data analysis, intelligence gathering and fraud indicators. Conduct end-to-end investigations into suspected claims fraud, including policy application fraud, exaggerated loss, staged incidents, and non-disclosure. Gather, analyse, and evaluate evidence from multiple sources (claim files, policy documentation, statements, databases, surveillance, financial and open source intelligence). Conduct investigative interviews with claimants, witnesses, and relevant third parties in line with legal and procedural standards. Obtain evidential statements. Maintain clear, auditable investigation records and case files.
• Decision-Making & Outcomes: Make balanced, evidence-based recommendations on claim repudiation, settlement, recovery, or escalation to civil or criminal action. Prepare concise, well-structured investigation reports to support claims decisions and legal proceedings where required. Support the recovery of fraudulent payments and prevention of further loss.
• Intelligence & Prevention: Interrogation of Open Source and third party systems to produce intelligence reports. Contribute to intelligence gathering, fraud trend analysis, and the development of fraud indicators and profiles. Share insights with Claims and Fraud teams to improve detection and prevention strategies. Support continuous improvement of fraud controls, processes, and referral pathways. Conduct fraud health checks across Major Loss claims to provide assurance. Provide investigative research reports to support claims and recovery opportunities.
• Stakeholder & External Engagement: Work collaboratively with Claims Handlers, Legal, Compliance, and Underwriting teams. Liaise with external parties such as law enforcement, solicitors, insurers, loss adjusters, and industry bodies where appropriate. Represent the organisation professionally in meetings, interviews, and external forums.
• Governance, Compliance & Professional Standards: Ensure investigations comply with relevant legislation, regulatory requirements, and industry best practice (e.g. FCA, Data Protection, CPIA where applicable). Act with integrity, fairness, and impartiality, ensuring customers are treated consistently and ethically. Maintain confidentiality and data security at all times.

Other Duties: Perform additional tasks as reasonably required by the business.

Experience required:

• Proven experience in insurance claims fraud investigation or a related investigative role.
• Strong understanding of insurance claims processes and common fraud typologies.
• Excellent investigative, analytical, and critical-thinking skills.
• Ability to assess evidence objectively and make defensible recommendations.
• Strong written and verbal communication skills, including report writing and interviewing.
• Conversation management interviews.
• Obtaining evidential witness statements.
• High level of integrity and attention to detail.
• Ability to manage a caseload effectively and meet deadlines.
• Use of fraud detection tools, intelligence systems or data analytics.
• Knowledge of industry databases and information-sharing arrangements.
• Intelligence gathering and reports working to National Intelligence Model (NIM).

Desired Skills and Competencies:

• Ethics, integrity, and professionalism.
• Strategic leadership and commercial acumen.
• Technical authority and judgement.
• Risk management and quality assurance.
• Client focus and stakeholder confidence.
• People leadership and talent development.
• Driving value for money and sustainable growth.
• Attention to detail.
• Expert verbal and written communication skills.

Qualifications required:

• Degree or equivalent.
• Professional qualifications or certification e.g. CII, CILA, ACFS.

Benefits:

• Enhanced company pension.
• Cycle to work scheme.
• Tech scheme.
• Life insurance (following successful completion of probationary period).
• Private medical insurance (following successful completion of probationary period).
• Flexible working.
• Employee assistance programme.
• Free gym membership.