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Policy Fraud Investigator
Job description details
Job ref: 2025-6620
Closing date: 13/07/2025
Location:
Redhill | Tunbridge Wells | Bolton
Career area:
AUDIT
Salary:
£36,400 - £41,000 dependent on experience
We’re recruiting for Policy Fraud Investigators in our Underwriting and Fraud team in AXA Retail. You’ll identify, manage and reduce AXA UK’s exposure to application fraud, help develop new application fraud controls, assist in delivering the Retail fraud strategy, improve fraud detection capability and performance and protect our genuine customers.
At AXA we work smart, empowering our people to balance their time between home and the office in a way that works best for them, their team and our customers. You'll work majority of your week away from home at your local office. Away from home means either attendance in our Redhill office or visiting clients or attending industry events.
We’re also happy to consider flexible working arrangements, which you can discuss with Talent Acquisition.
What you’ll be doing:
- Utilising all available tools and identification methods to prevent, detect and respond to all material instances of policy fraud.
- Help deliver, implement and embed the Retail fraud strategy including optimising new tools.
- Review fraud screening outputs and referral sources to determine next steps.
- Manage the policies and customer interactions from identification to final outcomes.
- Assist with managing intelligence and MI within the Fraud Team.
- Constantly improve processes and tools to maximise the detection and avoidance of fraud, improve profitability and to minimise the impact on genuine customers.
- Work with the Operations, Claims and Complaints teams to ensure policy investigations are handled and administered in line with the requirements of the fraud manager.
- Collaborate externally with the market and industry partners like the IFB to improve our detection and response to fraud, to disrupt fraud activity.
Due to the number of applications we expect to receive for this role, we reserve the right to close this advert earlier than the listed closing date to ensure we’re able to effectively manage interest. Therefore, if you’re interested in joining us at AXA, please don’t hesitate to apply.
What you’ll bring:
- Good knowledge and experience of general Insurance especially retail motor underwriting is essential.
- Strong technical knowledge of application fraud is essential.
- Keen eye for detail and ability to spot patterns emerging in fraudulent customer information.
- Teamwork and collaboration.
- Delivering results.
- Relationship and stakeholder management.
- Ability to handle large data sets in excel and SQL and derive information from analysing data.
- Willingness to adopt new processes and ways of working to ensure counter fraud detection remains up to date and relevant as the market changes.
As a precondition of employment for this role, you must be eligible and authorised to work in the United Kingdom.
What we offer:
At AXA UK, we’re appreciative of the people who work for us and our rewards package is reviewed regularly to reflect that. You can expect to receive:
- Competitive annual salary between £36,400 - £41,000 dependent on experience
- Annual company & performance-based bonus
- Contributory pension scheme (up to 12% employer contributions)
- Life Assurance (up to 10 x annual salary)
- 25 days annual leave plus Bank Holidays
- Opportunity to buy up to 5 extra days leave or sell up to 5 days leave
- AXA employee discounts
- Wellbeing services & resources
To apply, click on the ‘apply for this job’ button, you’ll then need to log in or create a profile to submit your CV. We’re proud to be an Equal Opportunities Employer and don’t discriminate against employees or potential employees based on protected characteristics. If you have a long-term health condition or disability and require reasonable adjustments during the application or interview process, we’re proud to offer access to the AXA Accessibility Concierge. For our support, please send an email to tanzeela.mehjabeen@axa-insurance.co.uk.
#LI-Hybrid
Who we are:
AXA Retail helps people live the life they love, knowing we’ve got their back, at home and on the road. Our people are vital to us becoming more digital, faster and easier to access. We’re a dynamic team of experts completely committed to making sure our customers ‘get back to the good stuff’ when the unexpected happens.
What we offer
We acknowledge and appreciate the exceptional efforts of our people in protecting what matters most to our customers. In exchange we offer a series of core and supporting benefits designed to empower our people to thrive both professionally and personally.
Competitive Salary
Annual Bonus
25 - 28 Days Annual Leave
Volunteering Days
Pension Scheme
Life Assurance
Employee Discounts
AXA Share Plan
Gym Benefits
Retail Discounts
Wellbeing Apps
Voluntary Benefits
Customer first
All our thinking starts with the customer
Integrity
We’re guided by strong moral principles
Courage
We speak our mind and act to make things happen
One AXA
Being together and being different makes us better
Inclusion
At AXA we have a culture of trust, respect and care, where everyone belongs. We have an ambition to become one of the most inspiring companies to work for, as such we’re committed to supporting employee needs, providing meaningful career development, and celebrating differences. We all have a role to play in ensuring a working environment in which everyone, regardless of who they are, can reach their true potential.
Equal Opportunities
We believe in hiring people who possess the appropriate skills and values that align with our vision. Our selection process is fair and equitable, ensuring that all candidates have an equal opportunity to join us. We are dedicated to promoting diversity and inclusion, and we actively encourage applications from individuals of all backgrounds. As an Equal Opportunities Employer, we take pride in treating our employees and potential hires with respect and without discrimination based on any Protected Characteristics.
Accessibility Concierge
As a Disability Confident employer, we’re proud to offer our support and access to the AXA Accessibility Concierge. A unique, industry leading offering created to support and encourage candidates with long term health conditions or disabilities that may require alternative methods of applying or for reasonable adjustments during the recruitment process. Our trained Accessibility Concierge Ambassadors will have a conversation with you to identify the support you need and explain how you will be supported throughout the process. The service is available to all candidates, including those already employed by AXA. To ensure ease of access, every job advert lists a responsible Talent Acquisition contact, who’ll be able to connect you with the Accessibility Concierge if you require any support.
Disability Confident 'Offer of Interview' Scheme
AXA UK are recognised as a Disability Confident Leader. We actively encourage applications from people who face barriers in the workplace due to a disability or long-term health condition. We participate in the Disability Confident ‘Offer of Interview’ scheme. This means a fair and proportionate number of candidates with long-term health conditions or disabilities who meet the essential criteria of a job, will be offered an interview.
- You'll need to show you meet the essential criteria as detailed in the job advert or job description
- You don’t need to share the details of your long term health condition or disability for your application to be considered under this scheme
As part of your application, you’ll be asked if you would like to ‘opt in’. To ensure ease of access, every job advert lists a responsible Talent Acquisition contact, who’ll be able to connect you with our Accessibility Concierge if you require any support.
Screening & Conduct
As a regulated financial services company, all successful candidates will be subject to pre-employment checks. Additionally, adherence to the Prudential Regulation Authority’s (PRA) Insurance Conduct Standards and the Financial Conduct Authority's (FCA) Conduct Rules will be required.
How we hire
There are 3 stages to our recruitment process; Application, Interview and Decision. This process provides an opportunity for us to get to know you, and for you to get to know us. We’re looking for people who share our values and ambition.
Application
Application
Can I apply for jobs in other parts of AXA?
AXA Global, AXA Ireland, AXA Partners and AXA XL all have separate Careers sites.
Can I be referred by someone I know who works at AXA?
Yes, please make sure you pop their name in when prompted during the application process.
How long will it take to hear back after I've applied?
The dedicated Talent Acquisition contact listed on the the job advert will aim to get back to you shortly after the job closing date. If you still don't hear anything get in touch.
What do I do if I need support with my application?
Please get in touch with the dedicated Talent Acquistion contact, details of who to contact are on every job advert.
Does AXA offer flexible working options?
Yes dependent on the needs of the business and the role you're applying to. We encourage you to discuss this with the Talent Acquisition contact or Hiring Manager at Interview. Our How We Work page also includes information on our Smart working approach.
Who can I contact to report a concern of behaviour or process believed to be inappropriate, unethical or illegal?
At AXA we're committed to offering a fair and inclusive experience to all candidates. You're encouraged to report, in good faith, any concerns of behaviour or processes believed to be inappropriate, unethical, or illegal.
Should you wish to report any concerns, you can do this through by sending an email to speak-up@axa.com, AXA’s dedicated hotline. This service is managed by an independent investigation team. Please note that this email address is not for dealing with job or application related queries.
Interview
Interview
I've got an interview! How does it work?
You'll be contacted by someone from our Talent Acquisition team to arrange the date, time, and format of your interview (online or in person). Good luck!
Are interviews online or in person?
This depends on the location of the role, and what works best for you and the interviewer. We'll give you all the information you need to prepare for whichever format’s used for your interview.
I'm struggling to connect to my online interview, what should I do?
Don't worry, we know these things happen. Get in touch with the person who arranged your interview, or the Talent Acquisition contact. One of the team will be able to help get the interview started or re-arrange it for a different time.
How do I get feedback on my interview?
Whenever possible, we’ll call and provide feedback by phone. Sometimes, we’ll need to provide feedback by email.
How can I prepare for my interview?
We'll send a candidate preparation pack before the interview to help you prepare.
How do I tell AXA about considerations to make sure I can access my interview?
The AXA Accessibility Concierge can support you with applying or making any accessibility adjustments to our recruitment process.
Decision
Decision
When will I hear back from you after my interview?
We aim to provide feedback as soon as the interview process allows. The time period will vary depending on the role.
How do I discuss the package I've been offered for a role?
You can discuss the package with your Talent Acquisition contact at offer stage.
Yay! I've got the role, what's next?
We’ll carry out a number of background checks before you start. This is known as 'screening'.
Do you do any background checks?
Yes. All financial services companies, including AXA, are regulated by the Financial Conduct Authority (FCA). Being part of a regulated industry means we must check the background of all applicants before we confirm a job offer.
Pre-employment screening is not just regulatory, it also gives us the confidence that our people are the right fit to protect what matters to customers, colleagues, and our business.
- Who is screened? Everyone, from first-jobbers to senior directors! Often, the higher up the career ladder you are, the more stringent the screening becomes.
- What is screened? Identity and address; qualifications; employment history; credit check; criminal record; directorships.
If you think anything may affect these checks, please tell us.
What benefits or perks do you offer?
At AXA, we appreciate the people who work for us and regularly review our rewards package to reflect that. The advert for the role you’re interested in will detail what you can expect to receive, but you can see an overview of our benefits and perks on our Why Join Us page.
Does AXA offer car allowance or a company car?
This depends on the grade, role, and eligibility of the employee. Check the benefits listed on the ad for the role you’re interested in or confirm with your recruitment contact.
How we work
We know one size doesn't fit all so depending on our customer's needs, your unique circumstances and how your team operates we offer a blend of home and office-based working.
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