Payments & Recovery Specialist

battleface

About The Position

battleface is building a humanity-focused travel insurance company focused on customized coverage and traveler support. Its global assistance arm, Robin Assist, provides 24/7 support, medical coordination, and claims services for battleface and other organizations. The Payments & Recovery Specialist manages international medical provider payments, investigates questionable invoices, negotiates medical bills, and pursues recovery and subrogation opportunities for insurance partners. This is not a traditional accounts payable role: the specialist investigates and challenges costs and manages complex cases involving hospitals, medical providers, insurers, legal representatives, and third-party administrators worldwide. The role works closely with Medical Assistance, Claims, Finance, and Fraud teams to verify invoices, assess charges, ensure accurate payments, and pursue recoveries. It requires an analytical, commercially minded, detail-oriented person who is confident communicating with international hospitals, negotiating settlements, investigating potential fraud, and managing cases through resolution.

Requirements

At least 3 years of experience in travel insurance, medical assistance, claims administration, healthcare billing, cost containment, or insurance recoveries.
Experience reviewing and negotiating medical invoices, ideally involving international healthcare providers.
Understanding of insurance claims, medical billing, subrogation, and coordination of benefits.
Strong negotiation skills and confidence challenging unreasonable charges and resolving disputes.
Familiarity with international payments, banking verification, and cross-border transactions.
Ability to review medical documentation, financial records, and insurance policies.
Strong investigative and analytical skills and excellent attention to detail.
Excellent written and verbal English communication skills.
Ability to work independently and manage multiple complex cases simultaneously.
Proficiency with claims management systems, spreadsheets, and digital collaboration tools.
Willingness to work across international time zones and communicate with providers worldwide.

Nice To Haves

Experience working for a travel insurance company, third-party administrator (TPA), medical assistance company, or international medical cost-containment organization.
Previous responsibility for medical bill negotiation, provider fraud investigations, or subrogation recoveries.
Familiarity with international healthcare systems and medical pricing.
Experience working with external legal counsel and liability insurers.
Additional languages, particularly Spanish, French, or Portuguese.
Experience using AI tools, document analysis, and automated verification systems.

Responsibilities

Review and validate medical invoices from hospitals, clinics, physicians, and other healthcare providers worldwide.
Verify patient details, treatment dates, medical services, invoice accuracy, and supporting documentation.
Assess medical charges for reasonableness and identify duplicate billing, inflated costs, unnecessary services, and billing discrepancies.
Negotiate medical bills, discounts, and full-and-final settlements with international providers.
Coordinate invoice approvals and payments with Finance, ensuring documentation is complete and payments meet agreed timelines.
Verify international banking instructions, beneficiary details, SWIFT/IBAN information, and payment requirements before payments are released.
Maintain payment records, track outstanding invoices, resolve provider payment disputes, and ensure deductibles, patient responsibilities, and discounts are correctly applied.
Research local medical pricing and benchmark charges against reasonable and customary costs.
Negotiate with hospitals, medical networks, and billing intermediaries to reduce medical expenses.
Review high-value invoices and challenge questionable treatment costs, procedures, and lengths of stay.
Identify opportunities to improve provider payment terms and negotiate better commercial arrangements.
Track negotiated savings and report cost-containment results to management and insurance partners.
Escalate unusual billing patterns, excessive charges, and suspected provider misconduct.
Identify opportunities to recover medical and claims expenses from responsible third parties, insurers, and other sources.
Investigate liability involving accidents, hotels, transportation providers, medical facilities, and other third parties.
Coordinate recovery efforts with liability insurers, legal representatives, and international claims organizations.
Review accident reports, police documentation, insurance policies, medical records, and other evidence supporting recovery.
Pursue coordination of benefits and recoveries from primary or overlapping insurance coverage.
Prepare recovery demands, negotiate settlements, and track outstanding recovery balances.
Work with external legal counsel when formal recovery or litigation is required.
Maintain subrogation records and report recovery results to insurance partners.
Investigate potentially fraudulent medical invoices, fabricated documentation, and suspicious payment requests.
Independently verify hospital legitimacy, provider credentials, patient admissions, and medical billing information.
Identify suspicious patterns involving repeat admissions, inflated treatment charges, altered invoices, and unusual payment arrangements.
Conduct provider due diligence using independent sources, official records, and direct hospital verification.
Collaborate with Fraud and Claims teams to investigate suspicious claims and recommend appropriate action.
Document investigation findings and maintain clear evidence supporting payment or recovery decisions.
Maintain accurate records of payments, negotiations, recoveries, and investigations in claims management systems.
Monitor outstanding payment obligations, recovery opportunities, and overdue cases.
Prepare regular reports on payment volumes, negotiated savings, recovery performance, and suspected fraud.
Identify process improvements and opportunities to automate invoice review, verification, and payment workflows.
Support the development of internal procedures for international provider payments, cost containment, and subrogation.