Third Party Claims Fraud Handler

• Protect genuine customers while tackling fraud head-on – play a key role in investigating suspicious third-party claims and ensuring fair, evidence-based outcomes.
• Join a customer-first business with a strong ethical focus – at NFU Mutual, you’ll be part of a team that truly values doing the right thing.
• Hybrid working - with up to 80% from home; office days in York or Bristol. While you’re training, you’ll need to be able to commit to being in the office more often than not.

About the role

At NFU Mutual, we’re known for going the extra mile for our customers. But our commitment doesn’t stop at providing exceptional service — we’re just as passionate about protecting our customers and business from fraudulent activity. That’s where our dedicated Third-Party Claims Validation team comes in.

This role is all about investigating suspicious third-party General Insurance claims — think injury and credit hire – to make sure that genuine customers get the fair, timely support they deserve, while fraudulent or exaggerated claims are handled appropriately. If you’re naturally inquisitive, enjoy working with others, and want to make a meaningful difference, this is a fantastic opportunity to join a specialist team with a big impact.

You’ll be joining us at a time of exciting transformation, as we continue to modernise our digital tools and streamline how we work. Day-to-day, you’ll be managing a portfolio of potentially fraudulent third-party claims — reviewing evidence, assessing liability, and using our counter-fraud systems to dig deeper where things don’t quite add up.

You’ll regularly speak with claimants, solicitors and other representatives, and collaborate closely with colleagues across underwriting, legal, and our technical fraud and agency teams. Your role is all about getting to the truth of the matter — applying sound judgement and investigative thinking to reach outcomes that are fair for claimants and responsible for the business.

What you’ll be doing:

• Managing third-party claims where fraud is suspected, particularly in injury and credit hire.
• Using investigative techniques, digital tools, and a good grasp of legislation and case law to assess liability and spot fraudulent behaviour.
• Building strong relationships with internal teams and external stakeholders – including legal counsel, suppliers and our agency network.
• Negotiating confidently and compassionately with legal representatives and intermediaries to reach fair, evidence-based outcomes.
• Recording clear, accurate decisions in our claims system, maintaining financial control and contributing to continuous improvement efforts.

Fraud doesn’t just cost money — it erodes trust. By identifying and tackling suspicious third-party claims, you’ll help protect our genuine customers, safeguard the reputation of NFU Mutual, and keep premiums fair for all. It’s an essential role that sits right at the heart of our Counter Fraud Strategy.

About you

You’re naturally curious and take pride in delivering a fair, thorough service that puts the customer first. With an investigative mindset and great attention to detail, you enjoy working through the facts to get to the right outcome – especially when something doesn’t quite add up. You’re comfortable handling complex claims and confident making decisions, even when the pressure’s on. Whether you’re supporting a colleague, adapting to a new system, or balancing a busy caseload, you bring a calm, organised approach and a real sense of teamwork.

You bring:

• Ideally experience in insurance fraud investigation, within third-party claims, with a solid understanding of how to identify and manage suspicious activity. Experience handling injury or credit hire claims is also valuable, and if you’ve worked on fraud cases in financial services more broadly, that’s a bonus.
• A collaborative, team-focused approach – you enjoy sharing knowledge, supporting others and working together to reach the right outcome.
• Strong organisational and prioritisation skills – you can manage your caseload effectively, juggling deadlines without compromising on quality or service.
• A proactive and inquisitive mindset – you ask the right questions, spot inconsistencies, and use sound judgement to make decisions that protect our customers and business.
• Excellent communication skills – you're confident handling complex conversations with empathy and clarity, whether you're speaking to a solicitor or a colleague.
• Adaptability and openness to change – you’re comfortable learning new systems and approaches, and you stay focused even when things are evolving around you.

At NFU Mutual, we support an inclusive workplace and value all the differences that make us unique. We celebrate the creativity and innovation that comes from diverse perspectives and experiences and share a common vision of doing the right thing for our customers and employees.

We recognise that some candidates may experience barriers during the recruitment process. So, we encourage candidates to discuss any adjustments or accommodations they need to be the best they can be throughout our recruitment process.

We're proud to be a Disability Confident Employer, a Race at Work and Women in Finance Charter signatory and welcome applications from people of all backgrounds, regardless of age, ethnicity, disability, neurodiversity, gender, religion, marital status, sexual orientation, or socioeconomic background.

Benefits and Rewards

When you join our team, you can expect a supportive culture and an attractive range of rewards and benefits including:

• Salary up to £38,000
• Annual bonus (up to 10% of salary)
• Contributory pension scheme, up to 20%, including your 8% contribution
• 25 days annual leave + bank holidays + buy/sell/save holiday trading scheme
• A Family Friendly policy that helps you balance your work and family responsibilities
• Access to savings at High Street brands, travel and supermarkets
• £20 contribution to a monthly gym membership – subject to T&Cs
• Health and wellbeing plan - cashback for dentist, opticians, physio and more
• Access to voluntary benefits, including health assessments, private medical insurance and dental insurance
• Employee Volunteering - volunteer in the community for one day each year
• Unlimited access to Refer a Friend £500 bonus scheme
• Life Assurance cover of 4 x salary
• Employee discounts of 15% on a range of NFU Mutual insurance policies.