Head of Application Fraud

Location: Manchester/Stoke/Peterborough/Tunbridge Wells

The Opportunity

This is a leadership role with real weight behind it. You won’t just be managing a team, you’ll be shaping how fraud is prevented at the front end of the business.

We’re looking for a Head of Application Fraud to lead our Policy Counter Fraud teams, protecting both customers and the business from increasingly sophisticated fraud risks. You’ll drive strategy, build capability, and ensure the right controls are in place to reduce exposure while keeping the operation efficient and compliant.

What You’ll Be Doing

Leadership and Team Performance

You’ll lead, develop and motivate a cross-functional team of policy fraud investigators, setting clear direction and ensuring consistent delivery against targets, quality standards and KPIs.

Operational Oversight

You’ll take ownership of fraud referrals from multiple channels including internal systems, insurer partners and colleagues, ensuring cases are managed effectively and consistently.

Fraud Strategy and Prevention

You’ll work at both a strategic and tactical level, improving fraud detection and prevention capabilities through better use of data, tools and processes.

Stakeholder and Industry Engagement

You’ll work closely with Underwriting, Pricing, Analytics and insurer partners, sharing insights and influencing decision-making. You will also engage with external bodies and law enforcement where required.

Risk, Compliance and Governance

You’ll ensure all processes operate in line with regulation, legislation and internal policy, maintaining compliance with SLAs and KPIs.

Performance and Financial Impact

You’ll contribute directly to improving loss ratios by reducing fraudulently obtained policies and ensuring timely action on high-risk cases.

Intelligence and Data Management

You’ll ensure fraud intelligence flows effectively across teams and is managed in line with data protection standards.

What We’re Looking For

Strong technical background in fraud prevention and detection within general insurance
Proven leadership experience managing operational fraud teams
Ability to think both strategically and tactically
Strong stakeholder management skills
Experience working with external bodies and law enforcement
Understanding of fraud-related legislation and regulation
Strong analytical capability
Knowledge of validation tools including identity, payment, vehicle and licence verification