Claims Fraud Team Lead

Marshmallow

We’re on a mission to make migration easy. We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans. But we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones. To achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest. We’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you. LONDON (HYBRID, 3 DAYS IN OFFICE) DATA SCIENCE AT MARSHMALLOW Our Data Science team partners across the business to turn data into better decisions, smarter products, and simpler customer journeys. We work closely with Product, Engineering, and Operations to build and ship models and AI systems that are reliable in production and deliver measurable impact. Within Data Science, this role sits in Claims, supporting the function and the broader ambition to automate more of the claims journey. Claims is one of Marshmallow's most important customer touchpoints, and we're looking for a Principal Data Scientist who can provide technical leadership across traditional ML and Generative AI, bring system-level thinking to how we scale decisioning, and confidently challenge proposals to ensure we build robust, sustainable solutions. WHAT YOU'LL BE DOING * Provide technical leadership for data science across Claims Fraud, shaping the approach to risk decisioning and fraud detection in partnership with Product and Engineering * Design, build and iterate on production ML and Generative AI/LLM systems that support claims validation and automation * Collaborate closely with other Claims data scientists to bring system-level thinking to how models, data and workflows fit together, identifying architectural improvements needed to scale decisioning and reduce time-to-production * Be vocal about the platform and tooling investments needed (monitoring, feedback loops, QA) to achieve AI-driven end to end claims automation * Advocate for robust, scalable, and strategically aligned technical solutions in cross-functional discussions, ensuring current systems and infrastructure contribute to the multi-year vision for automated claims handling * Set a high bar for statistical rigour, experimentation and measurement, helping improve how Claims performance and uncertainty are understood and communicated to senior stakeholders WHO YOU ARE * You think in systems: you can connect the dots between data science, engineering, and product to shape scalable solutions that build on each other over time. * You're confident in challenging assumptions and pushing for the right approach, using strong communication skills to influence stakeholders across seniority levels and disciplines with clear, pragmatic reasoning. * You thrive in ambiguity and change, staying resilient and effective during transitions while bringing structure, clarity, and momentum to complex problem spaces. * You're motivated by real-world impact, partnering closely with cross-functional teams to drive meaningful automation and better customer outcomes across the claims journey. WHAT YOU'LL BRING * Significant commercial experience delivering end-to-end Machine Learning solutions, from problem framing and experimentation through to production deployment and ongoing monitoring * Hands-on experience building and shipping Generative AI systems in production (not just prototypes), including evaluation, safety/quality considerations, and integration into customer or operational workflows * Strong statistical and modelling foundation, with experience in risk-based decisioning under uncertainty (e.g., fraud, credit, insurance, or other regulated domains) * Proven ability to influence technical direction across Data Science and Engineering, including shaping scalable model/service integration patterns and challenging proposals to drive robust, long-term solutions * Strong stakeholder management skills, with confidence communicating trade-offs and pushing back constructively with Product and Engineering to ensure high-quality outcomes PERKS OF THE JOB * Bonus scheme designed to reward high performance * Private medical insurance with Vitality, mental health support with Oliva * Personal learning budget and 2 dedicated L&D days a year * Monthly flexible benefits budget to spend as you choose * 25 days holiday plus bank holidays * 4 weeks Work From Anywhere per year We are able to offer visa sponsorship for this position. OUR PROCESS * Initial call with a member from our Talent Team (30 mins) * Past Experience interview with Hiring Manager (60 mins) * Systems Design & Technical interview with a couple of the team (90 mins) * Culture interview (60 mins) Diversity of thought We know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply.

Marshmallow

We’re on a mission to make migration easy. We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans. But we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones. To achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest. We’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you. LONDON (HYBRID, 3 DAYS IN OFFICE) DATA SCIENCE AT MARSHMALLOW Our Data Science team partners across the business to turn data into better decisions, smarter products, and simpler customer journeys. We work closely with Product, Engineering, and Operations to build and ship models and AI systems that are reliable in production and deliver measurable impact. Within Data Science, this role sits in Claims, supporting the function and the broader ambition to automate more of the claims journey. Claims is one of Marshmallow's most important customer touchpoints, and we're looking for a Staff Data Scientist who can provide technical leadership across traditional ML and Generative AI, bring system-level thinking to how we scale decisioning, and confidently challenge proposals to ensure we build robust, sustainable solutions. WHAT YOU'LL BE DOING * Provide technical leadership for data science across Claims Fraud, shaping the approach to risk decisioning and fraud detection in partnership with Product and Engineering * Design, build and iterate on production ML and Generative AI/LLM systems that support claims validation and automation * Collaborate closely with other Claims data scientists to bring system-level thinking to how models, data and workflows fit together, identifying architectural improvements needed to scale decisioning and reduce time-to-production * Be vocal about the platform and tooling investments needed (monitoring, feedback loops, QA) to achieve AI-driven end to end claims automation * Advocate for robust, scalable, and strategically aligned technical solutions in cross-functional discussions, ensuring current systems and infrastructure contribute to the multi-year vision for automated claims handling * Set a high bar for statistical rigour, experimentation and measurement, helping improve how Claims performance and uncertainty are understood and communicated to senior stakeholders WHO YOU ARE * You think in systems: you can connect the dots between data science, engineering, and product to shape scalable solutions that build on each other over time. * You're confident in challenging assumptions and pushing for the right approach, using strong communication skills to influence stakeholders across seniority levels and disciplines with clear, pragmatic reasoning. * You thrive in ambiguity and change, staying resilient and effective during transitions while bringing structure, clarity, and momentum to complex problem spaces. * You're motivated by real-world impact, partnering closely with cross-functional teams to drive meaningful automation and better customer outcomes across the claims journey. WHAT YOU'LL BRING * Significant commercial experience delivering end-to-end Machine Learning solutions, from problem framing and experimentation through to production deployment and ongoing monitoring * Hands-on experience building and shipping Generative AI systems in production (not just prototypes), including evaluation, safety/quality considerations, and integration into customer or operational workflows * Strong statistical and modelling foundation, with experience in risk-based decisioning under uncertainty (e.g., fraud, credit, insurance, or other regulated domains) * Proven ability to influence technical direction across Data Science and Engineering, including shaping scalable model/service integration patterns and challenging proposals to drive robust, long-term solutions * Strong stakeholder management skills, with confidence communicating trade-offs and pushing back constructively with Product and Engineering to ensure high-quality outcomes PERKS OF THE JOB * Bonus scheme designed to reward high performance * Private medical insurance with Vitality, mental health support with Oliva * Personal learning budget and 2 dedicated L&D days a year * Monthly flexible benefits budget to spend as you choose * 25 days holiday plus bank holidays * 4 weeks Work From Anywhere per year We are able to offer visa sponsorship for this position. OUR PROCESS * Initial call with a member from our Talent Team (30 mins) * Past Experience interview with Hiring Manager (60 mins) * Systems Design & Technical interview with a couple of the team (90 mins) * Culture interview (60 mins) Diversity of thought We know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply.

Alpha FMC

Alpha Financial Markets Consulting (Alpha) is a leading global consultancy to the financial services industry. We are a boutique management consulting firm that offers the world’s top industry players a competitive edge through our expertise and industry insight. Our team is of a uniquely high calibre and by focusing across the General Insurance & Specialty value chain, we build deep knowledge and experience within our industry. We have our headquarters located the United Kingdom, as well as offices in major global financial centres across the United States, France, Netherlands, Luxembourg, Switzerland, and Asia. The Insurance team works with industry leading carriers, brokers, market bodies, ancillary businesses, and technology providers to position our clients for future success. We have a fast growing team of dedicated consultants with deep experience from working both within the industry and consulting. Successful candidates should expect a diverse range of complex and strategic engagements across the market. As we continue to expand our client base and expertise, we are looking for individuals to join our team to support our growth journey. Please see below an outline of the responsibilities of the role as well as the requirements. ROLE OVERVIEW   We are seeking an exceptional Application & Software Engineering Lead with deep Insurance domain expertise to drive the design, delivery, and evolution of our core technology platforms. This is a high-impact leadership role sitting at the intersection of engineering excellence and insurance business capability, responsible for leading cross-functional engineering teams to deliver scalable, resilient, and compliant software solutions. You will act as a trusted technology partner to the world’s largest insurance firms, translating complex insurance workflows — spanning policy administration, underwriting, claims, and regulatory compliance — into robust, modern application architectures. You will set the technical vision, champion engineering best practices, and cultivate a high-performing team culture.   KEY RESPONSIBILITIES   ENGINEERING LEADERSHIP * Lead, mentor, and grow a team of software engineers, architects, and analysts across multiple squads. * Define and uphold engineering standards, coding practices, and quality frameworks across the function. * Drive a culture of continuous improvement, psychological safety, and technical craftsmanship. * Conduct regular 1:1s, performance reviews, and career development conversations with direct reports. * Collaborate with Engineering Managers, Product Owners, and Delivery Leads to ensure aligned, outcome-driven delivery. APPLICATION STRATEGY & ARCHITECTURE * Own the application roadmap for core insurance platforms, including policy management, claims, underwriting, and distribution systems. * Design and govern scalable, event-driven, cloud-native architectures appropriate for the insurance technology landscape. * Lead technical design reviews, architecture decision records (ADRs), and proof-of-concept evaluations. * Assess and manage technical debt; prioritise remediation in balance with feature delivery. * Evaluate and recommend third-party insurance software (e.g. Guidewire, Duck Creek, Majesco) and integration patterns. INSURANCE DOMAIN DELIVERY * Apply specialist knowledge of insurance business processes to shape technical solutions that meet regulatory and operational requirements. * Oversee delivery of insurance-specific capabilities: policy lifecycle management, claims handling, bordereaux processing, reinsurance ceding, and premium calculation engines. * Ensure compliance with industry standards and regulations including Solvency II, FCA requirements, market standards, and GDPR. * Act as a subject matter expert (SME) bridging business stakeholders and engineering teams on insurance domain requirements. DELIVERY & EXECUTION * Own end-to-end software delivery for one or more product areas; accountable for quality, timeliness, and technical integrity. * Champion Agile and DevSecOps practices; contribute to sprint planning, backlog refinement, and release governance. * Define and track engineering KPIs including lead time, deployment frequency, MTTR, and defect escape rate. * Manage stakeholder expectations and provide transparent reporting on engineering progress and risk. STAKEHOLDER & VENDOR ENGAGEMENT * Partner with Product, Actuarial, Risk, Compliance, and Operations teams to understand and shape business requirements. * Manage relationships with technology vendors and insurance software providers; lead procurement and contract negotiations where required. * Represent the engineering function in senior leadership forums, architecture boards, and client-facing engagements.   SKILLS & EXPERIENCE   ESSENTIAL * Significant experience (7+ years) in software engineering. * Demonstrable insurance domain expertise across one or more of: Specialty, London Market / Lloyds, or Reinsurance. * Strong command of modern application development: microservices, API-first design, event-driven architecture, and cloud platforms (AWS, Azure, or GCP). * Proven ability to lead distributed engineering teams delivering in an Agile/SAFe environment. * Deep understanding of insurance data models, regulatory frameworks (FCA, PRA, Solvency II), and compliance requirements. * Excellent communication skills with the ability to engage technical and non-technical audiences, including C-suite stakeholders. HIGHLY DESIRABLE * Consulting experience. * Background in data engineering or analytics within an insurance context (e.g. actuarial data platforms, claims analytics). * Experience delivering large-scale digital transformation or legacy modernisation programmes in insurance. * Relevant certifications: AWS Solutions Architect, Azure Solutions Architect, TOGAF, or equivalent. * Exposure to AI/ML applications in insurance (e.g. fraud detection, underwriting automation, NLP for claims). TECHNICAL COMPETENCIES * Languages & Frameworks: Java, Python, .NET, or similar enterprise-grade stack; REST and GraphQL APIs. * Cloud & Infrastructure: Kubernetes, Terraform, CI/CD pipelines (GitHub Actions, Azure DevOps, Jenkins). * Data & Integration: Kafka / event streaming, enterprise integration patterns, EDI/ACORD XML or JSON standards. * Security & Compliance: OWASP practices, data privacy engineering, secure SDLC.   WHAT WE OFFER   * Competitive base salary benchmarked to senior tech consulting market rates. * Annual performance bonus tied to individual and company outcomes. * Comprehensive benefits package including private medical insurance, life assurance, and income protection. * Hybrid working model with flexible arrangements to support work-life balance. * Generous pension scheme with enhanced employer contributions. * Continuous learning budget and access to industry conferences, certifications, and training programmes. * 25 days annual leave plus bank holidays, with option to buy additional days. * Employee assistance programme and wellbeing support.