Underwriting Fraud Investigator

Company description

Solution bringers. Day makers. Extra milers. We are the AA. And we keep everyone’s show on the road. There for our members wherever and whenever they need us, we’re always ready for anything. That’s why, for over 100 years, we’ve continued to evolve and adapt. Today, as the nation’s number one motoring organisation, we offer a range of excellent products and services to millions of customers.

We are looking for an Underwriting Fraud Investigator to join us, who has been involved in either policy validation or has a good understanding of Motor claims and wants to move across into Fraud, or maybe wants to make the jump from Household Fraud into Motor Fraud. This is an exciting time to join the team,

This is the job

As an Underwriting Fraud Investigator, you will handle referrals on all aspects of application fraud; from organised fraud, opportunistic misrepresentation, and technical underwriting at point of sale and claims stage.

The department acts as a referral point for the claims, underwriting and broker teams, therefore strong interpersonal skills are essential, as is the ability to manage multiple work streams and associated investigations.

The job holder will be working as part of an experienced team who have an entrepreneurial spirit and promote continual development of the department.

What will I be doing?

• Providing end to end investigation and management of application fraud referrals at point of sale and claims stage to reduce exposure to fraudulent activity.
• Delivering high levels of productivity across a variety of referral streams, meeting key performance KPI and SLA objectives.
• Engaging with external companies and intelligence agencies to identify cross-industry fraud exposure.
• Utilising a variety of desktop tools, databases, and open sources to assist with profiling, to determine the direction of an investigation.
• Using conversation management techniques to further determine risk and separate honesty from inconsistency when dealing with policy holders.
• Demonstrating good decision-making abilities, using knowledge of relevant legislation and principles of technical underwriting to support the outcome of investigations.
• Screening documents to differentiate genuine from forged/counterfeit or those evidencing policy misrepresentation.
• Providing first class customer service, liaising with policy holders, internal claims and underwriting teams, external agencies and insurance companies by phone, email and letter.
• Requirement to take on increased ownership and responsibility when necessary

What do I need?

We’re looking for someone with:

• Claims experience, preferably in a counter fraud and/or policy-based role - essential
• Understanding of the various types of application fraud and how to combat this threat at each stage of a policy lifecycle - essential.
• A keen eye for detail with the ability to use a variety of datasets - essential.
• The ability to make key evidence-based decisions - essential.
• A working knowledge of key legislation, particularly CIDRA is preferable but not required
• Capability to deal with challenging conversations.

Additional Information

We’re always looking to recognise and reward our employees for the work they do. As a valued member of The AA team, you’ll have access to a range of benefits including:

• Diverse learning and development opportunities to support you to progress in your career
• 25 days annual leave
• 50% discount in your first year on AA breakdown membership
• Discounts on AA products including car and home insurance
• Employee discount scheme that gives you access to a car salary sacrifice scheme plus great discounts on healthcare, shopping, holidays and more
• Worksave pension scheme with up to 7% employer contribution
• Dedicated Employee Assistance Programme

Plus, so much more!

We’re an equal opportunities employer and welcome applications from everyone. The AA values diversity and the difference this brings to our culture and our customers. We actively seek people from diverse backgrounds to join us and become part of an inclusive company where you can be yourself, be empowered to be your best and feel like you truly belong. We have five communities to bring together people with shared characteristics and backgrounds and drive positive change.

As part of the onboarding process, we complete several pre-employment checks including work reference, credit and criminal record checks.

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