Claims Fraud Investigator (Motor)

About MarshmallowWe build financial products that accelerate the economic freedom for people who move across borders. We started with car insurance — insuring over a million drivers — and we’re scaling beyond. Tens of millions of people move countries each year, facing overlooked financial challenges. Our future is in building financial products around their needs to positively impact their lives.How we workWe’re really proud of the culture we’ve created. We push for progress every day, because we know that we’ll only hit big milestones by taking lots of smaller steps. We’re always open to helping our team mates, sharing our ideas, experience and knowledge to solve problems together. We take risks, think creatively and experiment relentlessly to meet our customer’s needs, and never pass blame when things go wrong. We encourage people at all levels to take ownership of their work, and to be bold in challenging how we do things. Everyone has a voice and the opportunity to make an impact.And autonomy and ownership are only possible with clear direction. That’s why we collaborate to do in-depth planning twice a year, and make sure we leave with clear goals and objectives that flow from top to bottom. To make sure we’re as aligned as possible across functions, most of our work rolls up into three tribes; Acquisition, Retention & Claims. Each tribe has multiple teams embedded in it, working cross-functionally to do great work.We’re so excited for all of the challenges up ahead, and we need more people to help us tackle them! If life at Marshmallow sounds like it could be for you, explore our Culture Handbook to find out more.The Claims Fraud TeamWe defend Marshmallow against fraudulent activity and help protect the company! Fraudulent claims can result in us losing money, which can drive up the premium prices for all of the other customers. We’re here to stop that, making sure Marshmallow remains affordable and accessible for everyone. We’re looking for a Claims Fraud Investigator to play a key part in making sure that we deliver a top service for our customers. What you’ll be doingReviewing new fraud referrals and conducting investigations Where concerns are identified, monitoring developments and directing the next steps in the handling process to achieve a cost-efficient conclusion with minimal financial impact on the companyIdentifying opportunities to amend our processes, tools or product to faster spot fraud and protect both the company and innocent customersHelping junior members of the team with guidance and supportWho you areYou are organised and can be relied upon to get things doneYou have an investigative mindset with strong attention to detail and accuracyYou enjoy working in a high growth environment and are adaptable to changeYou make good judgements and can work under pressureYou are a self-starter who likes to take ownershipYou will be open to feedback and will be comfortable delivering feedback for continuous improvementWhat we're looking for from you A strong understanding of the different types of Motor Claims FraudFamiliarity with managing a portfolio of Suspected Fraud Claims from start to finishExperience of sending repudiations and decline letters whilst being confident in actioning any disputes regarding final claim outcome decisionsExperience in making commercial decisions when investigating a claimExperience with claims that feature personal injury, credit hire and litigationExperience with Scottish claims is desirable Perks of the jobFlexible working - Spend two days a month with your team in our new collaborative London office. Competitive bonus scheme - designed to reward and recognise high performance Flexible benefits budget - £50 per month to spend on a Ben Mastercard meaning you get your own benefits budget to spend on things you want. Whether that’s subscriptions, night classes (puppy yoga, anyone?), the big shop or a forest of houseplants. Pretty much anything goes Sabbatical Leave - Get a 4-week fully paid sabbatical after being with us for 4 years ️Work From Anywhere - 4 weeks work from anywhere to use, with no need to come to the office Mental wellbeing support – Access therapy and mental health sessions through Oliva Learning and development – Personal budgets for books and training courses to help you grow in your role. Plus 2 days a year - on us! - to further your skillset Private health care - Enjoy all the benefits Vitality has to offer, including reduced gym memberships and discounts on smartwatches Medical cash plan - To help you with the costs of dental, optical and physio (plus more!)Tech scheme - Get the latest tech for less Plus all the rest; 33 days holiday, pension, cycle to work scheme, monthly team socials and company-wide socials every month!Our processWe break it up into 2 stages:Initial call with a member of our Talent Acquisition team (30 mins)A combined technical and culture interview where you will discuss your previous experience and our ways of working with 2 members of the Claims Fraud team (80 minutes)We’ll let you know if you’re invited to an interview or not. But, as a small team with a lot of applications to consider, we can’t give individual feedback on each applicationBackground checksTo meet our regulatory obligations as an FCA-authorised financial services company, we need to do some background checks on all new hires. That means carrying out a DBS check and making sure you don't have any live criminal proceedings. Feel free to ask our Talent Acquisition team if you have any questions about this!Everyone belongs at MarshmallowAt Marshmallow, we want to hire people from all walks of life with the passion and skills needed to help us achieve our company mission. To do that, we're committed to hiring without judgement, prejudice or bias.We encourage everyone to apply for our open roles. Gender identity, race, ethnicity, sexual orientation, age or background does not affect how we process job applications.We're working hard to build an inclusive culture that empowers our people to do their best work, have fun and feel that they belong.Recruitment privacy policyWe take privacy seriously here at Marshmallow. Our Recruitment privacy notice explains how we process and handle your personal data. To find out more please view it here.

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