Senior Auto Adjuster | Complex Non-Injury Claims

USAA•Phoenix, AZ

48d•$57,970 - $97,820•Hybrid

About The Position

USAA is seeking a Senior Auto Adjuster to manage complex non-injury claims. At USAA, the mission is to empower members to achieve financial security through highly competitive products, exceptional service, and trusted advice, aiming to be the #1 choice for the military community and their families. The company values honesty, integrity, loyalty, and service. This role offers a fulfilling career with opportunities for growth and development, supported by a team environment. New hires are eligible for up to $8,000 in sign-on bonus payments. The position is based in Phoenix, with an initial three-month onsite training period followed by a flexible hybrid schedule requiring three days a week in the office. Relocation assistance is not available.

Requirements

High school diploma or General Equivalency Diploma (GED).
Experience handling auto physical damage claims, including repair related claim decisions and settlements.
3 years of recent auto claims adjusting experience, including handling auto liability claims involving coverage investigations, disputed liability, and comparative negligence.
Experience independently managing an assigned auto claims inventory from investigation through resolution.
Acquisition and maintenance of required insurance adjuster licensing within 90 days and three attempts.
Successful completion of a job-related assessment may be required.

Nice To Haves

4 years of recent auto claims adjusting experience, including auto liability claims involving coverage investigations, disputed liability, and comparative negligence.
Total loss experience, including vehicle valuation and settlement negotiation.
Experience mentoring, coaching, or serving as a technical resource to other claims professionals.
Active adjuster's license or multiple state adjuster licenses.
Guidewire Claim Center experience.
Bachelor's degree.
US military experience through military service or as a military spouse/domestic partner.

Responsibilities

Manage complex auto claims from initial investigation through resolution, including multi-vehicle accidents, coverage disputes, disputed liability, comparative negligence, physical damage, and total loss.
Investigate and evaluate claims by analyzing policy language, statements, evidence, damages, and applicable laws to make timely, well-supported coverage, liability, and settlement decisions.
Evaluate and negotiate first- and third-party physical damage claims within established settlement authority.
Use Guidewire ClaimCenter, investigation resources, digital collaboration tools, and data-informed insights to document decisions and advance claims efficiently.
Proactively manage an assigned claims inventory by prioritizing work, anticipating next steps, maintaining documentation discipline, and driving each claim toward timely resolution.
Deliver exceptional service through empathy, proactive communication, clear expectations, and ownership while effectively navigating difficult claim situations.
Collaborate with managers, appraisers, technical resources, and business partners to resolve complex issues and create a seamless experience for members and claimants.
Support workload surges and catastrophe-response operations as needed, including mandatory on-call dates and potential evening, weekend, and holiday work outside normal business hours.
Travel or deploy with minimal notice during designated catastrophe events and perform additional duties based on business needs.