Claims Fraud Handler

About ZegoAt Zego, we understand that traditional motor insurance holds good drivers back. It's too complicated, too expensive, and it doesn't reflect how well you actually drive. Since 2016, we have been on a mission to change that by offering the lowest priced insurance for good drivers.From van drivers and gig workers to everyday car drivers, our customers are the driving force behind everything we do. We've sold tens of millions of policies and raised over $200 million in funding and picked up numerous awards, including the Insurance Claims Team Of The Year 2024 as awarded at The Insurance Post's Claims & Fraud Awards. And we're only just getting started.That's where you come in...We are looking for a proactive and detail-driven Fraud Claims Handler to join our growing Claims team. In this role, you will be responsible for investigating, assessing, and managing claims where fraud is suspected, ensuring fair outcomes for genuine customers while protecting the business from financial risk.You'll work closely with Claims, Underwriting, Data, and external partners to identify fraudulent behaviour, gather evidence, and make informed decisions. This is a great opportunity for someone with strong analytical skills and a keen eye for detail who wants to make a real impact.Using a combination of industry-standard tools, trusted data sources, and innovative technologies such as AI and telematics, you'll make swift, accurate decisions that safeguard both the business and our customers. What You'll Be DoingFraud Investigation & Case ManagementManage a portfolio of complex and high-risk suspected fraud motor claims, from first notification to settlementUndertake detailed investigations into liability, causation, quantum, and behavioural inconsistencies to identify fraudPrepare robust case strategies, especially where claims progress into litigationReview intelligence, fraud indicators, and data sources to identify trends and emerging fraud patternsUse fraud detection tools such as SIRA, IFB Shift, and IFI Hub to identify risk, patterns, and linked behavioursIdentify emerging fraud patterns and support intelligence-sharing initiativesStakeholder CollaborationWork with customers, witnesses, repairers, solicitors, medical agencies, and internal teams to gather and challenge evidenceLiaise with external partners or databases and industry data services to build strong evidential supportCollaborate with internal Claims, Underwriting, and Pricing teams to ensure accurate risk assessment and fraud controlsEngage with panel solicitors, ensuring strong defence strategies and cost-effective outcomesTechnical Expertise & SupportProvide guidance and mentoring on fraud identification, case strategy, and investigation best practiceAct as a technical referral point for suspicious activity and complex fraud queriesDeliver and support fraud awareness training across the claims teamsAssist in developing internal processes, fraud controls, and continuous improvement projectsReporting & ComplianceMaintain clear, accurate case records and produce concise updates for senior stakeholdersEnsure compliance with fraud policies, regulatory requirements, and industry standardsSupport reinsurers and carriers through timely reporting, clear fraud rationale, and outcome summariesProvide case insight and recommendations on litigated matters where fraud has been alleged or identifiedCollaborate with the intelligence team to enhance referral quality and improve fraud prevention outcomesWhat You'll Need to Be SuccessfulFraud & Claims ExpertiseProven experience handling suspected fraudulent motor claims, including staged accidents, induced collisions, phantom passengers, fraud rings, and exaggerated injuriesStrong grasp of indemnity, liability, causation, quantum, and fraud typesExperience in using telematics in claims and fraud is an advantageGood knowledge of Civil Procedure Rules, OIC/MOJ, litigation processes, and fraud-specific legislationExperience handling litigated claims is a major advantage, enabling confident defence of fraud casesUse fraud detection tools such as SIRA, IFB Services to identify risk, patterns, and linked behavioursBackground in Personal Injury and Credit Hire claims, particularly where fraud risk is presentInvestigation SkillsSkilled in creating investigation plans, analysing inconsistencies, and interpreting intelligence from industry databasesAbility to identify fraud typologies and escalate intelligence appropriatelyStrong negotiation skills, able to challenge fraudulent behaviour robustly and professionallyHow we workWe believe that teams work better when they have time to collaborate and space to get things done. We call it Zego Hybrid.We foster a flexible approach that empowers every Zegon to perform at their best. We ask you to spend one day a week in our central Halifax or London office. We also spend some time in our London or Halifax office for company and team events, normally once a quarter. We offer hybrid travel contributions and help you pay towards other travel costs. We think it's a good mix of collaborative face time and flexible home-working, setting us up to achieve the right balance between work and life.Our approach to AIWe believe in the power of AI to meaningfully improve how we work - helping us move faster, think differently, and focus on what matters most. At Zego, we encourage people to stay curious and intentional about how AI is leveraged in their work and teams to drive practical impact every day. This is your chance to do the most meaningful work of your career - and we'll provide you with the tools, support, and freedom to do it well.BenefitsWe reward our people well. Join us and you'll get a market-competitive salary, private medical insurance, company share options, generous holiday allowance, and a whole lot of wellbeing benefits. And that's just for starters.We're an equal-opportunity employer and we value diversity at our company. We do not discriminate on the basis of race, religion, national origin, gender, sexual orientation, age, marital status, or disability status.