TD Insurance, SIU Auto Claims Investigator

TD•Dieppe, NB

3d•CA$63,600 - CA$94,300•Onsite

About The Position

TD Insurance is part of TD Bank Group, one of Canada’s largest financial institutions. TD Insurance helps protect clients from the ‘accidents of life’ with a wide range of products including credit protection, life, health, travel, home and auto insurance. With more than three million clients, TD Insurance authorized products and services are available online, over the phone, and through a network of more than 1,000 TD Canada Trust branches. In Canada, we have two lines of business, General Insurance and Life and Health. Our General Insurance business is one of the top home and auto insurance groups in Canada and the national leader in group insurance and affinity marketing. Our Life and Health business is the number one provider of critical illness insurance and direct life and health insurance in Canada. At TD Insurance, we are committed to fostering an inclusive, accessible environment. With a Canada-wide workforce of over 4,000 employees and offices in Atlantic Canada, Quebec, Ontario and Alberta, our company is always growing and can help you to grow. TD Insurance offers a stable and dynamic work environment where talent is appreciated, and professional development is taken seriously. More than just a job, we offer rewarding careers. The SIU department provides investigative services, technical expertise, and is a resource for Claims Services nationally. The SIU department’s vision is of world class performance and technical expertise dedicated to the appropriate investigation of insurance claims consistent with the highest standards of professional, ethical and legal conduct. The SIU department investigates files where there is a need for a more in-depth and specialized investigation beyond the scope of Claims Services. Where fact-finding is required, an SIU investigation is conducted in a fair, objective, thorough, timely and professional manner, enabling TDI to objectively make a determination of the facts and circumstances, appropriately addressing fraudulent and non-meritorious matters, and facilitating the resolution of meritorious claims. SIU Auto Claims Investigators are accountable for conducting thorough investigations of suspicious auto claims assigned to them. They investigate claims for fraud or policy violations and deny or resolve claims as appropriate. SIU Auto Claims Investigators may be responsible for handling end to end claims adjusting including initial claim handling, customer contact, making payments when appropriate, dealing with customer complaints as well as claims disposition and resolution where appropriate.

Requirements

3+ years of claims handling experience (additional consideration will be given to those with significant expertise in multiple lines of business)
Innate curiosity with a demonstrated ability to apply critical questioning & thinking
A demonstrated commitment to fraud investigation through previous SIU referrals/involvement.
Precision and attention to detail
Practiced in active listening and summarizing evidence and analytical assessments in order to provide solid and supportable conclusions/actions
Expert knowledge of Insurance products, Auto Policy, systems, policies and procedures and Insurance Act and associated legislation
Ability to professionally and tactfully handle difficult conversations and confrontation
Autonomous time management is critical

Nice To Haves

Enrolment in the CIP program and completion of the Principles & Practices course is an asset

Responsibilities

Complete thorough investigations while being sensitive to and protecting TDI's culture of client service
Implement a non-biased investigation strategy for determining coverage
Manage routine claim handling activities, including reserving, payments, claim resolution and closure, and work in partnership with other TDI groups (e.g., subrogation, underwriting)
Prepare investigation reports and formulate conclusions
Apply escalation procedures for nuanced cases
Use internal advanced analytics tools to detect, identify, investigate and prevent fraud.
Notify customers of outcome of investigation and, where appropriate, resolve claims.