Counter Fraud Investigator

**About the role**:
It's an exciting time to join our Counter Fraud team here at AXA as a Counter Fraud Investigator. You'll manage a portfolio of complex counter fraud investigations from detection to closure utilising best practice, fraud intelligence, and proactive fraud detection to get the best outcomes for AXA and our Customers. You'll share best practise and provide coaching and proactive feedback to Claims Handlers on quality of referrals and outcomes to increase Fraud Input and support the technical expertise of the wider department in Fraud Detection.

We're looking for positive, passionate people to help combat the criminal activities that plague the insurance industry, our successes directly contribute to our customers premiums, maintaining AXA as a market-leading insurance provider.

At AXA we work smart, empowering our people to balance their time between home and the office in a way that works best for them, their team, and our customers. You'll work at least 40% of your week away from home at our Bolton/ Haverhill office.

**What you'll be doing**:

- Adept use of validation techniques and tools available to validate EL & PL claims. Develop those at Counter Fraud Investigator level in the use of these and any new tools obtained.
- Actively seek out and share general intelligence with industry contacts, undertake specific pro-active enquiries based upon the output of data mining / analytics tools where available.
- Detect, defend and deter claims fraud against the Group to include suppliers, customers and third parties, acting individually or in concert as organised fraudsters.
- Manage a portfolio of suspected fraudulent claims of all types and managing the same until completion (repudiation/settlement) using a combination of investigation techniques at our disposal to embed strong evidence gathering practices to secure the correct claims outcomes.
- Carry out coaching, feedback and development with Fraud and Non Fraud Handlers to increase technical competence and fraud detection.
- Specific point of contact for our internal and IFB Operations.
- Referral point for fraud cases managed outside of Counter Fraud Unit i.e. Large Loss etc.
- Assist police in criminal prosecutions by preparing statements in accordance with relevant legislation and present evidence in court where required.
- Assist in analysing repudiation/walkaway rates/Fraud savings to identify trends and suggest changes in rules/process/identification/investigation opportunities.

**About you**:

- Excellent knowledge of the AXA Fraud Policy (Definition / Sanctions & Recovery Policy, etc).
- Expert knowledge of AXA’s philosophy relating to POCA, AML and DPA relating specifically to fraud.
- Knowledge of claims reserving and assessment methodology.
- Experienced in insurance principles and relevant case law, products, policies and claims philosophy.
- Good understanding of the general insurance market, arbitration, legal liability, the legal environment (litigation approach) and tactics appropriate to customer and third party claims.
- Track record of interacting with key agencies such as IFIG, IFB, IFED, FOS, Police, (operational awareness) ABI, FSA, (strategic awareness).
- Strong communication skills (verbal and written), organisation and prioritization skills.
- Excellent interviewing skills and the ability to probe and use productive questioning to establish potential fraud risk.
- Awareness of broker / Corporate Partner environment and the importance of such relationships.

As a precondition of employment for this role, you must be eligible and authorised to work in the United Kingdom.

**What we offer**:
At AXA UK, we’re appreciative of the people who work for us, and our rewards package is reviewed regularly to reflect that. You can expect to receive:

- Competitive annual salary
- Annual company & performance-based bonus
- Contributory pension scheme (up to 12% employer contributions)
- Life Assurance (up to 10 x annual salary)
- 25 days annual leave plus Bank Holidays
- Opportunity to buy up to 5 extra days leave or sell up to 5 days leave
- AXA employee discounts
- Gym benefits

LI-Hybrid

**About AXA**:
AXA Commercial protects businesses, from multinationals to micro start-ups, giving them the confidence to thrive. We’re currently making our biggest ever investment to develop the expertise and skills we need to be the best. We’re a vibrant community where everyone is supported to learn, develop, and take ownership of their work.