Underwriting Fraud Investigator

**Company description**:
**Role: Underwriting Fraud Investigator - Motor Insurance**

**Location**: Tunbridge Wells/Remote options depending on experience

**Contract**:Full time, Permanent

**Salary**: Up to £25,000 dep on exp + annual bonus + excellent benefits

**Hours**:Monday - Friday, 9am - 5.30pm

**About Us**

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, due to planned expansion.

**This is the job**:
**This is what Angela, Policy Validation Team Leader has to say about the role**:
Since I started my role as Team Leader within Policy Validation, everyone I have met has been passionate and driven about their role, what they do, and the part that they play. I do feel part of things, and I am looking forward to the journey we will take together in growing The AA Insurance Team.
Our approach is to combine smart, data driven methods of identifying concerns with first class investigation and case handling.

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?**:

- 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.
- Requirement to take on increased ownership and responsibility when necessary

**What do I need?**:
**We’re looking for someone with**:

- Minimum of 2 years insurance claims experience, preferably in a counter fraud and/or policy-based role - **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**:
**Why should you work for us?**

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

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

LI-THEAA