Desktop Investigator

Who are we? MiWay is a direct financial services company. We are passionate about service excellence, convenience and offering our clients superior value products. Our Vision is to be a world-class direct financial services business that offers a complete array of services under one convenient umbrella – all managed online. We are positive that with the right people on board, we will continue to grow and give our clients the freedom to do things their way – free from worry and most importantly at peace with all the “what-ifs” of the world. Company values that every employee subscribes to are: Energy, Freedom, Accountability and Attitude. The ideal candidate is one who has the courage to be bold and subscribes to MiWay’s core values! Do you have a positive attitude, love a challenge, treat your colleagues with respect and look for solutions, not problems? If yes, then MiWay is the place for you! What will you do? The Merit Desktop Investigator plays a critical role in safeguarding the insurer from fraudulent, inflated, or misrepresented claims through effective desktop-based investigation. This role requires strong analytical acumen, attention to detail, and the ability to make well-supported merit decisions without the need for physical fieldwork. The incumbent will evaluate commercial and personal lines claims to ensure validity, policy compliance, and fairness to all parties. What will make you successful in this role? Minimum Qualification Required • Grade 12 / SAQA Accredited Equivalent (Essential) • Mechanical Engineering / Panel beating N2/ N3 level / (Advantageous) Minimum Experience • 2 - 4 years’ work experience in the following (Advantageous): • Workshop / Motor Industry experience • Front line / client relationship experience in a panel beating environment. • Practical panel beating, spray painting, mechanical and electrical experience. • Assessing experience at a short-term insurer • Estimating in a panel beating environment Deliverables include, but will not be limited to • Conduct detailed desktop-based merit assessments of claims across personal and commercial lines, identifying red flags or anomalies. • Analyse policy wording, claims documentation, incident details, and supporting evidence to determine the validity of the claim. • Engage with claimants, brokers, service providers, internal assessors, and third parties via phone, email, and digital platforms to gather required information. • Draft clear, defensible, and objective investigative reports with recommendations on repudiation, settlement, or escalation. • Identify potential fraud indicators and refer or escalate complex matters to field investigators or the Forensic Team. • Liaise with legal, underwriting, or recoveries departments where needed to finalise the claim outcome. • Maintain accurate and detailed records on all investigations using case management tools or claim systems. • Stay up to date with insurance fraud trends, regulatory frameworks, and investigative best practices. • Contribute to fraud prevention strategies by identifying modus operandi and suggesting control enhancements. Competencies Required • Analytical Thinking • Attention to Detail • Ethical Judgement and Integrity • Decision-Making Ability • Communication Skills • Problem Solving • Accountability and Ownership • Collaboration • Resilience Knowledge and Skills Claims approvals and rejections Automotive Damage Claims Claims Management Claims Reporting Claims settlements Personal Attributes Interpersonal savvy - Contributing independently Decision quality - Contributing independently Action orientated - Contributing independently Optimises work processes - Contributing independently Build a successful career with us We’re all about building strong, lasting relationships with our employees. We know that you have hopes for your future – your career, your personal development and of achieving great things. We pride ourselves in helping our employees to realise their worth. Through its five business clusters – Sanlam Fintech, Sanlam Life and Savings, Sanlam Investment Group, Sanlam Allianz, Santam, as well as MiWay and the Group Office – the group provides many opportunities for growth and development. Core Competencies Cultivates innovation - Contributing independently Customer focus - Contributing independently Drives results - Contributing independently Collaborates - Contributing independently Being resilient - Contributing independently Turnaround time The shortlisting process will only start once the application due date has been reached. The time taken to complete this process will depend on how far you progress and the availability of managers. Deadline to apply: 04 September 2026. Our commitment to transformation At MiWay we believe in cultivating a positive and dynamic working environment that gives you freedom and opportunity to succeed. MiWay is committed to transformation and embracing diversity. This is what drives us to achieve a multicultural workplace with employment equity as a key goal to create an inclusive workforce, reflective of the demographics of our society.