Customer Complaints Consultant (Claims)
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- Company Info
- We take pride in being there for our customers. We help them deal with whatever life has in store and support them in achieving financial security; and that's thanks to the talented and dedicated people who work with us. For us, 'social responsibility' is not just a buzzword. It defines us and runs through everything we do for our customers and as an employer. And working with us, you'll get a competitive reward package and have the flexibility and autonomy to deliver your personal, business and career goals.
- Department Info
- At Legal & General Insurance we look after our customers throughout life, death and everything in between so that you know that everything that's important to you is protected. With over 180 years' experience in providing Insurance policies, our customers trust us to be there and to do the right thing.
- Job Duties
- To investigate, record and resolve complaints, delivering fair and consistent outcomes for all customers and ensure that all complaints are effectively managed and resolved in accordance with L&Gs complaint handling principles, regulatory frameworks and fulfil our own standards of customer experience.
- Fully investigate regulatory complaints to reach a fair, compliant and consistent outcome for all customers in accordance with external regulation (DISP and TCS) and internal complaint handling principles. For every complaint deliver accurate identification of the customer's dissatisfaction and expectations, a quality (appropriate and fair) decision in a timely manner, in adherence to service levels and quality standards and communication (verbal and written) that is clear and of high quality and responds to the complaint of the customer at all stages throughout the complaint.
- To clearly identify the cause of the complaint liaising with the customer, the business and any third party as required. To ensure appropriate escalation and feedback is provided to key stakeholders to improve their internal processes and customer experience, whilst ensuring that offers of redress, compensation and T&U are in line with internal standards and personal authority limits.
- To maintain clear and appropriate records of all investigations and justification for any decisions made to meet internal and external requirements, and to demonstrate how a fair customer outcome was achieved.
- Maintain required level of operational best practice, product, process and regulatory knowledge to assist and enhance the speed and quality of complaint resolution, delivering against individual productivity and quality targets.
- Take responsibility for queries and referrals into the team and as the first point of contact, make sure all necessary information is gathered so an accurate response can be given promptly.
- Keep abreast of regulatory changes and maintain the required level of operational best practice, product and process. Identifying issues and trends that result from FOS referrals, 'precedent' decisions or the wider industry. Identify areas for improvements and effectively escalate these for resolution. Whilst adhering to all TCF principles pertaining to the role.
- Skills Required
Accredited with industry related qualifications: Cert CII or equivalent (desirable)
Product and Process
- Good understanding of L&G's current and legacy product range including back book purchases now administered by L&G.
- Knowledge of the end-to-end process for service, claims and sales
- Detailed knowledge of Complaint identification, recording, investigation, resolution and root cause classification
- Knowledge and understanding of appropriate processes, procedures and related documentation applicable throughout the lifespan of a policy.
- Detailed knowledge of appropriate end to end policy administrative systems.
- User of Complaints management databases
- Practical knowledge of Microsoft Word, Excel and PowerPoint and the ability to use them to communicate information effectively.
- Good knowledge of the Insurance Business Structure and the key functions and contacts in each team.
- Good knowledge of the main business areas across L&G and key points of contact in other Complaints and Technical teams.
- Understanding of L&G strategy and brand, distribution channels, stakeholders, and the activities of our key competitors
- Awareness of regulations, e.g. FCA / PRA Handbook, HMRC rules
- The role is not regulated by the FCA, and the jobholder is not an Approved Person.
- Under the FCA's Dispute Resolution (DISP) rules, all staff handling regulated complaints must have the requisite aptitude and competence for the role, and operate under prescribed procedures that govern the standards of complaints handling, including such areas as time limits and breach identification together with a detailed inquisitorial holistic approach to the investigation, leading to a fair outcome for customers. The jobholder must possess the knowledge and skills to achieve these standards when required and to judge complaints handling in the context of their sampling role.
- There is no FCA prescribed minimum qualification under the DISP rules but the nature of complaints handling itself requires similar knowledge and skills to those demanded of professional advisers under the FCA's mandatory Training and Competence arrangements. The jobholder will spend much time assessing the ability of others to apply their knowledge and skills in practice, so needs to be similarly qualified, as a minimum. This is consistent with FCA's expectations that relevant staff have the appropriate level of competence for the work they do.
- The jobholder must be familiar with, and keep abreast of, regulatory developments in relation to complaint handling.
- Understand the relationship between competence and customer experience.
- Identify development needs to address gaps between the needs of the role and your current knowledge and skills.
- What an effective development plan should contain and the activities that you can do, taking account of your learning style.
- How to evaluate your performance (including feedback sources) and identify how development activities have contributed to your performance.
- How to update development plans in the light of performance, feedback received, activities undertaken and other developments.
- The need to keep evidence of achievement and maintenance of competence
- Resources available to support personal development and the need to take personal responsibility for learning.
- Complaints management expertise.
- Customer experience understanding.
- Understands and reacts to the needs of internal and external customers and stakeholders, working proactively to provide a professional and impartial service, striving to restore confidence in the L&G brand.
- Display appropriate skills to negotiate and agree resolution with both internal and external customers and consideration to the appropriateness of redress.
- Ability to accurately analyse the root cause of a complaint to enable effective investigation and resolution.
- Decisions are based on thorough investigation, logical assumptions and consultation with affected parties and take account of regulatory and business needs.
- Executes decisions in a timely manner and in line with an action plan where appropriate.
- Can be trusted to make the right decisions without additional manager approval where appropriate.
- Use of time management techniques (prioritisation, planning and review) and record keeping (for customer contact and other actions) on appropriate systems.
- Effective case management, re-prioritising as necessary to enable deadlines to be achieved, keeping the team informed of actions needed in the event of absence.
- Keeps the manager informed of case progress and any issues in a timely manner.
- Defines the purpose of meetings and invites appropriate attendees. Records and follows up actions arising.
- Remains open to suggestions and ideas from all areas is willing to explore different ways to deal with issues.
- Generates and develops creative solutions to problems.
- Whatever your role, we reward ability, performance and attitude with a package that looks after all the things that are important to you. Our employees have a wide range of benefits including a generous pension scheme, life assurance, 22 days' (with potential to rise to 26 days) holiday, discretionary performance related bonuses, paid overtime, a variety of share schemes, discounts at both a huge range of high street stores and our own great products, your hard work will be rewarded when you join us.
For more information please contact Ruth Prosser, Resourcing Consultant, at email@example.com