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Lloyds Bank

Retail and commercial banking services

Hybrid Claims Owner

Full-TimePosted on 10/19/2026Deadline 11/2/26
£30.2k - £41.3k
Entry
Leeds, UK+1 moreMore locations: Halifax, UK
HybridHybrid: at least two days per week (40% of working time) at an office in Halifax or Leeds.
InsuranceClaims Adjudication

About the job

Requirements
  • A customer-first mindset and the ability to build rapport, inspire confidence, and take ownership from the first conversation.
  • A collaborative approach that contributes to a supportive and inclusive team environment.
  • Ability to work closely with Hybrid Field Consultants to achieve service, spend-control, and technical-accuracy outcomes.
  • Strong knowledge of insurance contracts, principles, and practices aligned with Group standards and Financial Conduct Authority and industry requirements.
  • Communication and organisational skills, including the ability to manage a claims caseload end-to-end and tailor the approach to individual customer needs.
  • Confidence leading investigations, validation, progression, and resolution throughout the claims journey.
  • Focus on high-quality claims management aligned with product terms and conditions.
  • Experience handling customer-focused complaints in line with Lloyds Banking Group and regulatory expectations.
  • Ability to identify fraud, misrepresentation, or non-disclosure; conduct proportionate investigations; and use specialist support when needed.
  • Commitment to professional development, including working toward relevant qualifications such as CII or BDMA.
  • Ability to follow policies, processes, and controls to support risk management and protect the business.
Responsibilities
  • Take end-to-end ownership of customer claims and make sound decisions that deliver fair outcomes and ensure funds are used responsibly in line with policy cover.
  • Reassure and guide customers experiencing problems in their homes.
  • Collaborate with Hybrid Claims colleagues and Hybrid Field Consultants who visit customers in their homes to deliver customer outcomes.
  • Lead investigations, validation, progression, and resolution activity throughout the claims journey.
  • Manage claims in line with product terms and conditions and applicable standards and requirements.
Desired Qualifications
  • None specified as preferred or desirable.

About the company

Lloyds Bank is a major UK financial institution that provides a wide range of banking and financial services for personal and commercial customers. It serves individuals with current and savings accounts, mortgages, loans, credit cards, and investment products, and helps businesses with business loans, commercial mortgages, and other financial solutions. The bank earns most of its money from net interest income, the gap between interest on loans and deposits, and also collects fees for services such as overdrafts, international payments, and wealth management. Compared with competitors, it combines a large, established retail and commercial banking footprint in the UK with diversified income streams and a broad product set that supports both individuals and businesses. Its goal is to reliably deliver everyday banking, lending, and financial services to UK customers while maintaining profitability and supporting the needs of UK households and businesses.

Company Size

5,001-10,000

Company Stage

IPO

Headquarters

London, United Kingdom

Founded

1765

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Simplify's Take

What believers are saying

  • First-half 2026 net income rose 9% to £9.7 billion, driven by lending and deposits.
  • July 2026 capital returns totaled £1.9 billion, including a 1.58p dividend and £1 billion buyback.
  • The Post Office cheque-service return on 1 September 2026 improves customer convenience.

What critics are saying

  • FCA motor-finance redress runs through 2026-2027, with Lloyds exposed to £1.95 billion provisions.
  • Lloyds will close branches throughout October and November 2026, weakening local trust.
  • Halifax customers migrate to Lloyds apps in 2026, risking migration errors and complaints.

What makes Lloyds Bank unique

  • Halifax rebranded to Lloyds on 1 July 2026, unifying England, Wales, Northern Ireland.
  • Accelerate 2030 targets 20% RoTE and 45% cost-income by 2030.
  • Lloyds embeds banking into workflows, launching Get Paid and Making Tax Digital tools.

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Benefits

  • 401(k) Retirement Plan
  • Performance Bonus
  • Employee Stock Purchase Plan
  • Paid Vacation
  • Wellness Program
  • Parental Leave
  • Flexible Work Hours

Company News

Express & Star
Oct 20th, 2026
Major internet outage hits banking apps and websites including Lloyds, HSBC and Revolut.

Major internet outage hits banking apps and websites including Lloyds, HSBC and Revolut. Published 20th Oct 2026, 10:57 BST A major internet outage has left customers struggling to access a number of popular websites and apps, including banking services. Customers of Lloyds Bank, HSBC, Revolut, Screwfix and delivery firm DPD have reported problems this morning (October 20), according to outage tracking website Downdetector. Digital banking service Revolut appears to have been particularly badly affected, with some customers unable to open the app or process payments. The disruption is believed to be linked, at least in part, to technical problems affecting Google Cloud, which provides internet infrastructure for a wide range of websites and online services. Google has confirmed it is experiencing issues with its facilities in western Europe, although it remains unclear whether all the reported outages are connected. The technology giant has apologised to "all who are affected by the disruption" and confirmed there is currently no workaround available. It is not yet known when services will return to normal.

City A.M.
Oct 20th, 2026
Google Cloud outage: Revolut, Lloyds, Rightmove services disrupted.

Google Cloud outage: Revolut, Lloyds, Rightmove services disrupted. Senior City Reporter An outage at Google Cloud has led to a major services disruption across British giants on Tuesday. Google Cloud confirmed it was facing "issues" in its "europe-west2 region," which refers to London according to the firm's service table. It has affected dozens of websites across the UK, spanning banks, delivery services and retail brands. The digital banking giant said on Tuesday morning it was experiencing a "service disruption" across multiple features, as problems were also reported at Lloyds, HSBC and Barclays. Google Cloud confirmed that several of its services were experiencing network failures at its London facility, which provides computing infrastructure to businesses across the UK. "Multiple Google Cloud services are experiencing elevated errors and intermittent network failures in europe-west2 region," Google said. Stay in the know Three daily briefings with the key market moves and top business and political stories. "Our engineering team continues to investigate the issue. We apologise to all who are affected by the disruption." The Downdetector, which is used to track major outages across consumer platforms, showed a spike for Revolut around 8am with more than 1,500 issues reported. It also showed spikes for Lloyds Bank, Rightmove, Royal Mail and HSBC. One user said on X that their Revolut card had been declined whilst trying to make a payment and they were also unable to use their app. The fintech serves more than 80m personal customers across the world, and more than 800,000 business customers. In the UK, it is estimated to have around 13m customers. Halifax, which is owned by Lloyds, also posted on X that it was aware some customers were "having issues" with the app and online. The Downdetector also flagged issues with NHS England, Gov.UK and Asda on Tuesday morning following the Google Cloud disruption. A spokesperson for Revolut said: "We are currently experiencing a service disruption affecting multiple services. We can confirm that all our customers' money and data are safe. "We've been working to fix the issue since it was identified this morning and apologise to anyone affected and for any inconvenience caused." Last year a swathe of platforms faced an outage after a global Amazon Web Services (AWS) outage. This included the likes of Lloyds, Zoom and Slack.

Astor Media
Oct 19th, 2026
Together prices $519M commercial mortgage-backed securitisation, its fourth deal in four months

Together has priced its seventh public small-balance commercial real estate mortgage-backed securitisation, valued at £409m. The deal was issued through Together Asset Backed Securitisation 2026-2 CRE-7 plc (CRE7). The placed notes have a weighted average cost of 1.21% at a 95% advance rate. About 83% of the notes are expected to receive AAA(sf) ratings from both Fitch and DBRS, with settlement expected on October 28, 2026. CRE7 is backed by first and second charge mortgages on commercial, residential and mixed-use properties across England, Wales and Scotland. First charge mortgages make up 98.2% of the portfolio. BNP Paribas and Lloyds Bank Corporate Markets were co-arrangers. Chief financial officer Chris Adams said it was Together's fourth transaction in four months, and that it "further diversifies our funding platform.

Birmingham Mail
Oct 12th, 2026
Rachel Reeves' new rule for state pensioners with savings set to proceed under Andy Burnham.

Rachel Reeves' new rule for state pensioners with savings set to proceed under Andy Burnham. From April 6, 2027. Rachel Reeves' new rule for state pensioners with savings are set to proceed as planned under Andy Burnham. Cash ISA rules, originally planned by former Labour Party Chancellor Rachel Reeves, will proceed as confirmed under Mr Burnham and his Chancellor John Healey. Ask Birmingham Live anything Ask This Article DeeperDive AI Article continues below Lawrence Shankland reveals timeline for his return from injury From April 6, 2027, the total ISA allowance remains £20,000, but Cash ISAs will be capped at £12,000 annually. Savers exceeding this must use other ISA types for the remaining £8,000. Article continues below State pensioners and individuals over 65 will be exempt from the £12,000 Cash ISA limit, though, Ms Reeves announced before she was replaced by Mr Burnham with John Healey, the new Chancellor. These eligible older individuals will retain the full £20,000 cash allowance, avoiding the new restriction. Article continues below The changes confirmed by HM Treasury are scheduled to go into effect from April 2027. Ms Reeves previously told MPs when she confirmed the new rules from next year: "From April 2027, I will reform our Isa system, keeping the full £20,000 allowance while designating £8,000 of it exclusively for investment, with over-65s retaining the full cash allowance. From roads and schools to planning; get the top political stories of the week and more We use your sign-up to provide content in ways you've consented to and improve our understanding of you. This may include adverts from us and third parties based on our knowledge of you. More info "And thanks to our changes to financial advice and guidance, banks will be able to guide savers to better choices for their hard-earned money. "Over 50% of the Isa market - including Hargreaves Lansdown, HSBC, Lloyds, Vanguard and Barclays - have signed up to launch new online hubs to help people invest here in Britain." An HM Treasury spokesperson said in a statement: "Anyone whose only income is the full new or basic State Pension without any increments will not pay income tax and we are committed to that over this Parliament. Article continues below "By keeping the Triple Lock, 12 million pensioners will see their income rise by up to £470 this year, and they continue to benefit from the highest Personal Allowance in the G7."

Indian Conventions
Oct 10th, 2026
Ritesh Jha Takes on Head of Talent Acquisition role at KPMG India.

Ritesh Jha Takes on Head of Talent Acquisition role at KPMG India. The short version. Ritesh Jha has been appointed Head - Talent Acquisition at KPMG India, bringing experience across talent acquisition, technology recruitment, and HR leadership in banking, financial services, technology, and consulting. His professional background spans recruitment strategy, talent management, and hiring across diverse business environments, providing a foundation for his new leadership role. Listen Ritesh Jha Takes on Head of Talent Ritesh Jha has been appointed Head - Talent Acquisition at KPMG India, bringing experience across talent acquisition, technology recruitment, and HR leadership in banking, financial services, technology, and consulting. His professional background spans recruitment strategy, talent management, and hiring across diverse business environments, providing a foundation for his new leadership role. Experience in Talent Acquisition leadership. Before joining KPMG India, Ritesh served as Talent Acquisition Head at Lloyds Bank. Prior to that, he held the position of Senior Vice President - Technology Recruiting, Asia, at Citi India, where his responsibilities centred on technology recruitment. These roles added to his experience in talent acquisition leadership and recruitment across the financial services sector. A career across multiple organisations. Ritesh has also held leadership positions at FIS, Allegis Global Solutions, Info Edge India Ltd, and GE. His experience across these organisations has contributed to his expertise in recruitment strategy and talent management. His career reflects a sustained focus on identifying talent, supporting recruitment requirements, and managing hiring across different industries. A new chapter at KPMG India. As Head - Talent Acquisition at KPMG India, Ritesh takes on a leadership role that builds on his previous experience at Lloyds Bank and Citi India, as well as his work across recruitment and talent management organisations. His appointment marks the next stage of his professional journey, bringing together experience in technology recruitment, talent acquisition, and HR leadership across the banking, financial services, technology, and consulting sectors. Was this story useful? 73 eyeballs Found this useful? Rate it.