Application 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 Application 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 Investigator, you will:

• Review and assess policy referrals from internal and external sources, identifying potential fraud cases based on established indicators and risk factors.
• Conduct investigations by cancelling fraudulent policies where applicable, maintaining our fraud database, and performing data entry tasks related to ongoing cases.
• Collect and analyse fraud data, track investigation outcomes, and document cost savings associated with fraud prevention efforts.
• Leverage a variety of digital tools, databases, and internet resources to profile potential fraud and guide investigations toward the correct outcome.
• Assess the complete evidential landscape to ensure proper decisions are made, securing all necessary documentation and evidence throughout the process.
• Proactively report new fraud patterns and Modus Operandi to our intelligence analysts to keep ahead of emerging threats.
• Ensure full compliance with internal protocols, Insurance Fraud Bureau (IFB) standards, and all system requirements.
• Coordinate follow-up investigations with external bodies, including regulatory and licensing authorities, other insurers, and law enforcement, while managing Data Protection Act (DPA) requests.
• Conduct document verification to ensure authenticity and accuracy in support of investigations.
• Contribute to the ongoing enhancement of sales, underwriting, claims, and other company processes by identifying areas of vulnerability and suggesting improvements.
• Participate in system search trials, providing feedback to Fraud Management on the effectiveness of anti-fraud measures.
• Maintain strict adherence to regulatory standards, including those related to the fair treatment of customers.

What you will need to be successful:

• Able to perform in a fast-paced start-up environment and be a strategic and inquisitive thinker.
• Fraud experience in an insurance setting is essential.
• Strong claims handling experience in an insurance company, desirably with an Insurtech or motor insurance provider.
• Good working knowledge of the MOJ and OIC portals.
• Sound knowledge of liability scenarios as well as a good sense of commercial awareness.
• A strong understanding of motor insurance indemnity including the Road Traffic Act and Article 75.
• Litigation experience (nice to have).
• Experience in using and maintaining a fraud system and a good understanding of the Fraud 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 extraordinary things.

We’re spread throughout the UK and Europe and are 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 wins 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 wherever 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 insurance matter.

How we work:

We 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 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.

Benefits:

We 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 disability status.