At 1st Central, everything starts with our people.

As one of the UK’s leading motor and home insurers, we use smart technology, data and great service to make insurance fast, fair and simple for over 1.4 million customers. We’re proud to create an environment where people feel supported, trusted and able to grow - whether that’s developing new skills, taking on fresh challenges or making a real impact every day. If you’re looking for a role where you can make a difference, we’d love to hear from you.

We’re looking for a skilled Complex Fraud Investigator to join our Counter Fraud Services team on a 12-month fixed term contract, based in either Salford Quays, Manchester or Haywards Heath, West Sussex.

In this role, you’ll be part of our Complex Fraud Team, reporting into the CFS Technical Lead. You’ll take ownership of a varied portfolio of claims, including organised fraud rings, non-jurisdiction (Scotland and Northern Ireland) organised fraud, high-value, and professional enabler cases, all requiring a sharp eye and strategic thinking.

If you’re looking for a role where your insight and experience will make a real impact, we’d love to hear from you.

Core skills we’re looking for to succeed in the role:

• Critical thinking: Use your logical reasoning to analyse evidence and draw conclusions about potential crimes
• Attention to detail: Pay close attention to the small detail to uncover evidence of fraud
• Case management: Handle investigations from start to finish, ensuring all necessary steps are taken
• Investigative techniques: Can use various methods for gathering evidence and conducting interviews

Working flexibly, you'll spend the first 6 weeks in the office full-time for training and support, then hybrid begins with 4 days at home and 1 day in the office. But if you prefer to be in the office more, that's good with us too.

What's Involved:

• You’ll handle a caseload of potential fraud risks within the CFS SLA’s, FCA regulations, and legislative and policy guidelines.
• You’ll proactively seek positive outcomes that act as a deterrent to committing fraud against the business.
• You’ll proactively seek the root cause of the fraud.
• You’ll develop CFS strategies to proactively investigate potential fraud risks.
• Your caseload will include desk-top handling, with direct interaction with policyholders, third parties and witnesses; extending to incorporate telephone-based interviews and written communications, and the appointment of external specialists to include investigators, law firms and motor engineers
• You’ll liaise with external agencies, attend industry conferences and seminars
• You’ll produce high quality written reports and advice for the business, to include recommendations.
• You’ll help to manage the relationship with FCIM panel of service providers including law firms and investigators
• You’ll provide advice and support to business areas and CFS with regard to potential fraud risks.
• You’ll act as a mentor for Fraud Investigators and as a technical referral point.
• You’ll ensure claim files are reserved accurately and reserves amended where required
• You’ll meet agreed fraud KPI’s and targets.

Experience & Knowledge

• You’ve strong motor claims and policy experience.
• You’ve a proven track record in claims fraud investigation, to include organised motor fraud.
• You’ve excellent knowledge of processes and tactics used to investigate and manage insurance fraud, and a solid understanding of relevant fraud related legislation.
• You’ve excellent knowledge of FCA requirements (including TCF) and the regulatory framework relating to general insurance.
• You’ve a sound understanding of all aspects of motor insurance.

Skills & Qualifications

• You’re a great communicator, both verbal and written, with the skills to influence and negotiate
• Organisation, timekeeping and prioritisation are second nature to you
• You’re analytical and have problem-solving skills with the ability to adopt a logical approach to resolving problems
• You’ve got great customer service skills. After all our customers are key!
• You’ve got strong numeracy and literacy skills
• You’re not fazed by computers and software. Competent in Microsoft applications, particularly Word, Excel & PowerPoint.
• Desktop fraud investigation, to include telephone interviews
• You can appoint and manage external fraud service providers
• You’ve excellent report production skills

Behaviours

• You’re customer focused and passionate about achieving the right customer outcomes. After all people are at the heart of everything we do!
• You’re passionate about reducing the business exposure to fraud risk
• You can use initiative to make decisions
• You’ve got a sharp eye for detail and accuracy
• Teamwork makes the dream work! You’ve the ability to work on own initiative and as part of a team
• You’re confident in presenting complex information in a clear and concise manner. You’ve got this!
• You’re self-motivated, proactive and enthusiastic
• You’ve a flexible approach to work and adopts a positive attitude, embracing, embedding and incorporating the Company values
• You’ll strive to drive business improvements to contribute to the success of the business

Application closing date: 10th August 2026

Ready to join us?

We’re looking for talented people who want to make a real impact for our customers, colleagues and business. Apply today and discover where a career at 1st Central could take you.

To find out more about careers at 1st Central, take a look here