Claims Adjuster

Carbon is committed to placing data and technology at the forefront of our operations. Our proprietary technology platform, Graphene, empowers users with actionable insights and revolutionising data analysis.

Through continuous innovation, we aim to unlock new features beyond traditional risk analytics, bolstering our leading position as data-rich underwriting experts.

We are on a mission to expand globally. Our unique, diverse and forward-thinking team and culture of innovation are at the heart of our success.

Following the recent news regarding the open of our U.S syndicate, we're looking for an experienced Claims Adjuster to join the team to support our growing business.

You will provide the effective adjustment of delegated claims within the relevant portfolio via referrals and claims handling arrangements with DCAs ensuring that the best outcomes for our policyholders and for Carbon are achieved consistently, and that all policyholders and claimants are treated fairly throughout the lifecycle of the claim. Assisting the Head of Claims to report on complex delegated losses to senior management and underwriters. Dealing with coverholder's on claims issues when appropriate, whilst effectively liaising with brokers and third parties in the adjustment of claims in line with company strategy and regulatory and legal compliance.

The Role

• To handle all claims, with due consideration of any potential subrogation and tight costs control, as referrals or via DCAs and to manage all DCAs to required standards.
• To manipulate data and provide analysis of claims to highlight trends, performance issues, leakage, costs spend, litigation and fraud.
• Management of bordereau and loss funds.
• Collaborate continuously with underwriters and client meetings to help underwriters gain and retain profitable business.
• To identify deficiencies in information and understand the justification for capturing specific information.
• To apply the company reserving policy and the standard policy conditions and exclusions where necessary.
• To investigate where appropriate the circumstances under referral.
• To handle standard claims in line with authority limits and investigate applicable law and regulatory issues.
• Respond effectively to customer requirements, acquiring feedback from customers and brokers/intermediaries.
• To create effective reports, selecting essential, relevant criteria and information to provide to Claims Managers and Underwriters
• To interpret financial reports and insurance performance measures.
• Effectively negotiate with both internal and external parties to a claim.
• To maintain and develop internal and external customer relationships.
• To provide explanations to customers and brokers/intermediaries.
• To maintain accurate claims records with regulatory implications.
• To undertake any ad hoc or project work as necessary
• To recommend improvements to the claims processes and procedure.
• To appoint approved independent experts as appropriate.

Required Education/Training & Experience

• Property Experience essential (Motor & A&H preferred).
• ACII or equivalent or progression towards qualification
• A commitment to continuous personal and professional development
• Knowledge of London Market DA Claim operations/ procedures
• Knowledge and understanding of product features, benefits, exclusions and warranties and application to various situations.
• Understandings of the legal principles giving rise to subrogation
• Basic knowledge of principles of risk management.
• Effective prioritisation and organisational skills in order to meet timescales.
• Advanced literacy and numeric skills
• Excellent interpersonal and communication skills
• Advanced IT skills, including Microsoft Office with the ability to learn new systems
• Excellent persuasion, influencing and negotiation skills
• Solid claims handling experience