Description
As Senior Fraud Investigator, you'll lead complex investigations,first party and third-party claims, credit hire disputes, staged accidents, and litigated cases,whilst supporting the team and deputising for the Team Leader.
You'll have sign-off authority on claims payments, reserves, and formal repudiations, mentor investigators, and help shape our counter-fraud strategy.
Responsibilities
- Claims Management: Manage high-risk first-party and third-party claims, credit hire disputes, staged accidents, and organised fraud. Lead litigation from start to finish, working with solicitors, counsel, engineers, and investigators. Use telematics data, AI tools, and network analysis to uncover fraud patterns.
- KPIs, SLAs & Audits: Track core KPIs, SLAs, cycle times, and reserve precision to maintain high performance standards. Conduct and review quality audits to ensure compliance and continuous improvement across the unit.
- Timely Fraud Clearance & Fair Outcomes: Proactively investigate and clear non-fraud cases on a timely basis, ensuring genuine customer claims move swiftly to settlement without compromising on quality or compliance.
- Claims Authority & Governance: Sign off on claims payments, reserves, and formal defences within delegated limits. Ensure all decisions comply with company policy and audit requirements.
- Team Leadership & Mentoring: Cover for the Team Leader during leave. Guide and mentor team members on complex liability, credit hire, first party and third-party fraud, litigation, and quantum issues. Help spot emerging fraud trends and improve how the team works.
- Collaboration: Negotiate with third-party insurers, solicitors, credit hire companies, and legal representatives. Prepare clear case summaries for escalations and represent Zego at industry forums.
Requirements
- Leadership Skills: Demonstrated ability to motivate and inspire team members, fostering a collaborative and high-performing environment.
- Investigation Skills: Proven experience handling complex cases,first-party and third-party claims, litigated disputes. Strong analytical skills to spot fraud indicators,staged accidents, inflated claims, conflicting timelines, and network connections.
- Risk Management: Solid understanding of claims governance, reserve setting, and delegated authorities. Comfortable reviewing documents, formal repudiations, and ensuring accurate claims data.
- Team Support: Natural mentor who can guide others through tricky investigations and litigation. Happy to step in as deputy Team Leader when needed.
- Communication: Clear writer and negotiator. Able to explain complex cases to solicitors, insurers, and internal teams,and deliver the right outcome commercially and fairly.
Benefits
- Market-competitive salary, benchmarked against your function and reviewed every year.
- Annual performance bonus, linked to company performance and your contribution.
- Share options, a real stake in the company and a share in the future you build.
- Private medical insurance.
- Pension, generous holiday, and £1,000 a year to spend on getting to the office or learning something new.
- Cutting-edge systems and tools, so you always have what you need to drive your impact.