Counter Fraud Investigator in Tonbridge

Trinity Claims delivers a dedicated, end-to-end claims management service exclusively for our sister company, Policy Expert.

Combining cutting-edge proprietary technology with the highest standards of customer care, we provide seamless support from the very first point of contact through to final resolution, ensuring customers feel supported every step of the way.

Our team of experts have earned the trust and confidence of thousands of customers by consistently delivering results.

With a 4.5-star Trustpilot rating, we're proud to be recognised for our commitment, expertise, and determination to go above and beyond when it matters most.

To identify, investigate and mitigate suspected fraudulent activity across both Home and Motor insurance claims (Primarily Home).

The role is responsible for conducting proportionate and evidence-based investigations, protecting indemnity spend, ensuring regulatory compliance and supporting the delivery of fair customer outcomes.

The role will investigate a broad range of fraud risks including policy misrepresentation, staged or contrived losses, exaggerated claims, organised fraud, fabricated documentation and opportunistic fraud across personal lines insurance products.

Key Responsibilities

• Investigate suspected fraudulent Home and Motor claims from referral through to outcome.
• Review referrals and determine whether claims should be cleared or retained for further investigation.
• Develop and manage investigation strategies and case plans.
• Gather, analyse and evaluate evidence from multiple internal and external sources.
• Conduct customer interviews and obtain statements where appropriate.
• Identify links between claims, claimants, suppliers and organised fraud networks.
• Maintain accurate records, investigation logs and audit trails.
• Escape of water fraud.
• Theft and burglary fraud.
• Contents inflation.
• Occupancy and residency concerns.
• Misrepresentation at policy inception.
• Fabricated ownership or purchase documentation.
• Staged or induced accidents.
• Contrived incidents.
• Fraudulent personal injury claims.
• Exaggerated vehicle damage.
• Vehicle ownership and usage discrepancies.
• Policy inception and application fraud.
• Utilise available intelligence sources and fraud databases to support investigations.
• Identify behavioural, technical and documentary fraud indicators.
• Analyse claims history and claimant behaviour patterns.
• Escalate organised fraud concerns to senior management where appropriate.
• Liaise with customers, brokers, solicitors, suppliers and internal stakeholders.
• Ensure customers are treated fairly throughout the claims journey.
• Regulatory & Technical Compliance

• Ensure investigations comply with

• FCA requirements.
• Consumer Duty.
• GDPR and Data Protection legislation.
• Internal Counter Fraud policies.
• CIDRA requirements relating to consumer insurance contracts.
• Maintain appropriate documentation to support repudiation or litigation decisions.
• Prepare evidential packs for litigated cases.
• Support legal partners where fraud proceedings are pursued.

• Provide recommendations regarding

• Claim acceptance.
• Repudiation.
• Policy avoidance.
• Recovery opportunities.
• Referral to law enforcement or industry bodies.
• Support fraud awareness initiatives across Home and Motor claims teams.
• Provide coaching and guidance to operational handlers.
• Assist with MI production and fraud trend analysis.
• Contribute to process improvements and fraud prevention strategies.
• Key Performance Indicators (KPIs)
• Fraud savings achieved
• Repudiation success rate
• Investigation lifecycle / SLA adherence
• Quality audit scores
• Cost versus benefit of investigation spend
• MI accuracy
• Key Requirements
• Minimum of 1 year experience working within a Home Counter Fraud or related fraud investigation role.
• Strong understanding of home insurance claims processes including buildings, contents, theft, escape of water, accidental damage and subsidence.
• Exposure to common home insurance fraud typologies including fabricated, exaggerated and misrepresented claims.
• Knowledge
• Knowledge of fraud detection techniques and investigation principles.
• Understanding of the regulatory environment including FOS, CIDRA, ICOBS and Data Protection requirements.
• Awareness of fraud tools, intelligence sources and validation techniques.

In return, we can offer you

Basic Salary £33-38,000 (DOE) as well as market leading benefits.

25 days Annual leave plus statutory holidays.

Benefits

• On-site gym
• Free on-site parking
• Free on-site breakfast bar
• Complimentary on-site snacks and soft drinks
• Discretionary performance related bonus
• An extra day's holiday for your birthday

Application deadline: this position will remain open until we have found the right person for the job.

We kindly request that no agencies contact us regarding this position. Speculative CVs will not be accepted.

Trinity Claims is an equal opportunities employer and we positively encourage applications from suitably qualified and eligible candidates regardless of your gender, age, race, disability, ethnic background, religion or belief, sexual orientation, gender reassignment, marital status, or pregnancy and maternity.