Complex Claims Fraud Investigator

End Date

Wednesday 19 August 2026

Salary Range

£30,201 - £31,790

We support flexible working – click here for more information on flexible working options

Flexible Working Options

Hybrid Working

Job Description Summary

See Job Description below:

Job Description

• JOB TITLE:  Complex Claims Fraud Investigator

• SALARY: £30,202

• GRADE: C

• LOCATION:  Halifax

• HOURS: Full Time, 35 hours- per week. 

• WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites.  As an operation we are open Mon-Fri 8am to 6pm and Sat 9am – 1pm

About this Opportunity

An exciting opportunity to join the General Insurance Customer Operations Team as a Complex Claims Fraud Investigator.

You will take ownership and accountability of potentially fraudulent complex claims by completing all required investigations and interviews. 

You will work collaboratively with Field Based Colleagues, Suppliers and industry lead members/partners as necessary to reach a conclusion.

What you’ll need

• Excellent oral and written communication.

• Be able to conduct all required investigations and interviews to produce the required evidence of fraudulent activity. Collaborating with Field Based colleagues, suppler and industry members/partners as necessary.

• Be able to communicate outcomes to customers, providing a full explanation for the decision as well as the consequences.

• Excellent Attention to Detail to support evidence gathering and appropriate claim outcomes.

• Demonstrate customer focussed complaints management on compliance with GI Claims complaint management process. 

• Embrace the Group’s vision, values and behaviours while acting inclusively, creating an environment where diversity is valued and where colleagues and customers are treated with dignity and respect.

• Demonstrate a high degree of personal organisation (planning/time management /file management/complaints management) and effective people management.

• Expected to complete the ACF Tech qualification and encouraged to complete CII (Certificate).

• A good working knowledge of Insurance principles and relevant regulations in relation to Home Insurance and Fraud.

• Be able to work with Senior Investigators, Hybrid Technical Oversight and FNOL Managers to maintain a continuous improvement of Fraud knowledge and quality within the department by providing regular feedback and coaching day to day in all interactions, delivering training as appropriate as well as supporting the capture of required MI and insights used to inform this.

Key Capabilities for the role

Fraud & Financial Crime

Fraud and Financial Crime risk is the prospect of the Group experiencing financial or reputational loss resulting from economic crime. Understanding fraud and financial crime risk protects the Group and our customers by ensuring the minimisation of risk in the design of  our policies, procedures, processes and systems together with the creation of practical, remedial steps to mitigate instances effectively.

Specifically – General Insurance Fraud expertise

Solving Complex Problems

Making sense of complex, high quantity, and sometimes contradictory information to effectively solve problems.

On higher complexity claims, use your experience and knowledge to work with the Senior Investigators supporting the claim as required.

Plans and aligns

Planning and prioritising work to meet commitments aligned with organisational goals.

Drives Results

Consistently achieves results, even under tough circumstances. For example, does what is necessary to meet goals and deliver expected results with acceptable quality. Shows consistent effort to complete even unpleasant or routine tasks in a timely manner; maintains work focus despite obstacles or setbacks.

Collaborates

Builds partnerships and works collaboratively with others to meet shared objectives. For example, readily involves others to accomplish goals; stays in touch and shares information; discourages "us versus them" thinking; shows appreciation for others' ideas and input.

About working for us

Our focus is to ensure we're inclusive every day, building an organisation that reflects modern society and celebrates diversity in all its forms.

We want our people to feel that they belong and can be their best, regardless of background, identity or culture.

We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer initiative.

And it’s why we especially welcome applications from under-represented groups.

We’re disability confident. So, if you’d like reasonable adjustments to be made to our recruitment processes, just let us know.

We also offer a wide-ranging benefits package, which includes:

• A generous pension contribution of up to 15%

• An annual performance-related bonus

• Share schemes including free shares

• Benefits you can adapt to your lifestyle, such as discounted shopping

• 24 days holiday, with bank holidays on top

• A range of wellbeing initiatives (including private Medical) and generous parental leave policies

Ready for a career where you can have a positive impact as you learn, grow and thrive?

If you’re excited by the thought of becoming part of our team, get in touch.

We’d love to hear from you! Apply today and find out more.

At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.

We keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks.  We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person. 

We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we’re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.