Commercial Desk Investigator

Taking care of people is at the heart of everything we do, and we start by taking care of you, our valued colleague. A career at Sedgwick means experiencing our culture of caring. It means having flexibility and time for all the things that are important to you. It’s an opportunity to do something meaningful, each and every day. It’s having support for your mental, physical, financial and professional needs. It means sharpening your skills and growing your career. And it means working in an environment that celebrates diversity and is fair and inclusive. 

A career at Sedgwick is where passion meets purpose to make a positive impact on the world through the people and organizations we serve. If you are someone who is driven to make a difference, who enjoys a challenge and above all, if you’re someone who cares, there’s a place for you here. Join us and contribute to Sedgwick being a great place to work.

Great Place to Work®
Top 100 Most Loved Workplace® 
Forbes Best-in-State Employer

Sedgwick specialise in the provision of claims management and loss adjusting services. Our people are as diverse as our products and services and as varied as our clients. We believe that individuals from different backgrounds encourage a challenging team environment, a creative approach to problem solving and an interesting working environment.

We promote best practice for the detection and containment of fraud, working exclusively on commercial insurance claims. Supported by the Fraud Data & Insight Team and adjusting colleagues, you`ll undertake screening and investigation of Commercial claims and liaise with clients and their legal advisers.

The role of a Commercial Desk Investigator requires skilled and talented individuals to assess claims that are potentially fraudulent, this means the work is never dull, boring, or repetitive. The successful candidate will be handling claims for a multitude of clients on a delegated and non-delegated basis and will manage their own investigations caseload.

Responsibilities:

• Investigate a portfolio of Commercial claims that have been identified as potentially fraudulent.
• Promote the Commercial Investigations Team & raise awareness of our team amongst our Commercial adjusting colleagues and clients.
• Conduct recorded telephone and video interviews to capture evidence.
• Plan interviews and investigations
• Obtain and complete correctly formatted statements
• Manage your own caseload and carry out necessary investigations whilst gathering evidence
• Maintain contact with our policyholders, making sure you record accurate information and secure evidence.
• Enquiries with third parties including brokers, contractors & suppliers to help validate claims and undertake enquiries with the police and external agencies as appropriate.
• An essential part of this role will be to keep abreast of current legislation and codes of practice as they relate to insurance investigations
• Complete settlement enquiries through negotiation and the use of the Insurer supply chain network when necessary.
• Directly challenge Policyholders concerning fraudulent activity when necessary
• Prepare reports for Insurers and articulate relevant concerns with firm recommendations
• Issue repudiation & fraud outcome letters to customers
• Keep to tight SLA requirements and deliver excellent customer service
• Record all chargeable and non-chargeable time accurately
• Deal with complaints and seek to resolve within the FCA guidelines
• Identify, manage and evidence fraudulent activity through the use of data, technology and a strong investigative mindset.
• Report and evidence fraudulent activity to the IFB, IFIG & IFED.
• Achieve objectives as agreed with your line manager during Progressive Performance meetings together with operational targets

Competencies:

• Principles of Insurance: Use a thorough knowledge for practicable application to commercial and property claims including business interruption.
• Have knowledge and a background in Commercial, Property and Business Interruption claims:
• Be able to apply a thorough knowledge of current case law, statute, and other legal liabilities
• Understands the principle of indemnity and its application
• Has knowledge of building construction relevant to job role
• Ability to identify evidence and secure, preserve and record it
• IT literacy with knowledge of MS word & Excel
• Understands the FCA and how it relates to their role within the business
• An understanding of complaints handling and its application
• Understand the purpose and procedures of GDPR and its application

Personal:

• Great interpersonal and communication skills exhibiting understanding and empathy when required
• Inquisitive nature
• Strong communication skills both verbal and written
• A strong attention to detail
• Use negotiation skills to achieve appropriate results
• Ability to plan and prioritise workload
• Able to build good relationships with clients and colleagues
• Conscientious, hardworking individual with the drive to achieve personal and team targets.
• Flexible and adaptable person willing to assist others in times of surge.
• A strong team player

Many of our colleagues now benefit from working flexibly between the office and home, which helps support a healthy work/life balance.  When you do spend time in our offices, you’ll experience bright and open surroundings which offer excellent areas for collaboration as well as desk space.  It’s an ideal environment for working alongside and interacting with fellow colleagues.

What will you get for this role?

• Competitive salary depending on skills, experience, and qualifications
• Flexible working platform
• Study support to pursue insurance qualifications
• Healthcare scheme
• A Self Invested Personal pension scheme
• Holiday allowance of 25 days plus bank holidays
• Discounts on various products and services
• Employee assistance programme for employee wellbeing
• Life assurance
• Group Income Protection
• Voluntary benefits – dental cover, cycle to work scheme, season ticket loan, wellbeing, and digital GP apps.

Working at Sedgwick

Our company is a place where creative and caring people of all backgrounds can be challenged, grow as individuals, and feel a higher purpose in the unique value they bring and the difference they make in the lives of others. We celebrate our differences; cultivating uniqueness and belonging allows us to connect with our consumers on a personal level, understand our clients’ needs, support the communities in which we operate, and perform at our best.

We are passionate and understanding about our colleagues – so we have built flexibility into our colleague working model. If you wish to work from home, split your working time between the home and office or change your hours so you can collect your children or care for someone in your family, we’re supportive of that. As a flexible employer, we’re happy to discuss options that take into consideration your personal needs for this position during your interview.

Applicants who are successful at interview will be, as part of pre-employment screening, subject to: ID document verification, credit check, address verification, employment verification, employment gap verification, UK DBS, UK financial regulator search, anti-money laundering search, directorship search and global watch list check.

Sedgwick is committed to Equal Opportunity and Diversity. We aim to ensure that no job applicant or employee receives less favourable treatment on the ground of race, colour, nationality, religion, ethnic or national origins, age, gender, marital status, sexual orientation, or disability.

#LI-REMOTE

Sedgwick is an Equal Opportunity Employer.

The statements contained in this document are intended to describe the general nature and level of work being performed by a colleague assigned to this description. They are not intended to constitute a comprehensive list of functions, duties, or local variances. Sedgwick retains the discretion to add or to change the duties of the position at any time.