Policy Fraud Investigator

About Us

At 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.

Role Overview{​{:}

}As an Policy Fraud Investigator at Zego, you will be a key member of our forward-thinking, tech-driven fraud team. Your role will focus on balancing swift, legitimate business processes with proactive fraud detection, investigation, and prevention, ensuring the best outcomes for both Zego and our genuine customers

.As a Fraud Investigato

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• Fraud Analysis{​{:}} Review and assess policy referrals from internal and external sources, identifying potential fraud cases based on established indicators and risk facto
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• s Investigative Action{​{:}} Conduct investigations by cancelling fraudulent policies where applicable, maintaining our fraud database, and performing data entry tasks related to ongoing ca
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• es Data Management{​{:}} Collect and analyse fraud data, track investigation outcomes, and document cost savings associated with fraud prevention eff
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• rts Tools & Techniques{​{:}} Leverage a variety of digital tools, databases, and internet resources to profile potential fraud and guide investigations toward the correct ou
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• come Evidence Gathering{​{:}} Assess the complete evidential landscape to ensure proper decisions are made, securing all necessary documentation and evidence throughout the p
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• ocess Fraud Trends{​{:}} Proactively report new fraud patterns and Modus Operandi to our intelligence analysts to keep ahead of emerging
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• hreats Compliance & Protocols{​{:}} Ensure full compliance with internal protocols, Insurance Fraud Bureau (IFB) standards, and all system requ
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• rements External Collaboration{​{:}} Coordinate follow-up investigations with external bodies, including regulatory and licensing authorities, other insurers, and law enforcement, while managing Data Protection Act (DPA)
• requests Document Validation{​{:}} Conduct document verification to ensure authenticity and accuracy in support of inve
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• tigations Process Improvement{​{:}} Contribute to the ongoing enhancement of sales, underwriting, claims, and other company processes by identifying areas of vulnerability and suggesting i
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• provements System Testing{​{:}} Participate in system search trials, providing feedback to Fraud Management on the effectiveness of anti-fr
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• ud measures Regulatory Adherence{​{:}} Maintain strict adherence to regulatory standards, including those related to the fair treatment

of customers What you will need to

b
• e successful Able to perform in a fast paced start-up environment and be strategic and inquis
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• tive thinker Fraud experience in a insurance setting i
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• essential. Strong Claims handling experience in an insurance company - desirably with an Insurtech or Motor Insur
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• nce provider Good working knowledge of the MOJ an
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• OIC portals Sound knowledge of liability scenarios as well as a good sense of commerc
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• al awareness A strong understanding of motor insurance indemnity including the Road Traffic Act a
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• d Article 75 Litigation experience (
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• ice to have) Experience in using and maintaining a fraud system and have a good understanding of the F
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aud Act 2006 What's it like to

work at Zego?Joining Zego is a career-defining move. People go further here, reaching their full potential to achieve extraord

inary things.We're spread throughout the UK and Europe, and united by our drive to get things done. We're proud of our company and our culture - a friendly and inclusive space where we can lift each other up and celebrate our wi

ns every day.Together, we're setting the bar higher, delivering exceptional work that makes a difference. Our people are the most important part of our story, and everyone here plays a role. There's loads of room to learn and grow, and you'll get the freedom to steer your career where

ver you want.You'll work alongside a talented group who embrace each other's differences and aren't afraid of a challenge. We recognise our achievements, learn from our mistakes, and help each other to be the best we can be. Together, we're making insu

rance matte

r.How we workWe believe that teams work better when they have time to collaborate and space to get things done. We call it

Zego Hybrid.Our hybrid way of working is unique. We don't mandate fixed office days. Instead, we foster a flexible approach that empowers every Zegon to perform at their best. We ask you to spend up to two days a week in our Halifax office. You have the flexibility to choose the days that work best for you and your team. We cover the costs for all company-wide events (3 per year), and also provide a separate hybrid contribution to help pay towards other t

ravel 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 w

ork and

life.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 are 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 disab