SIU Field Investigator

Allstate • Chicago, IL

6d • $62,100 - $124,500

About The Position

National General is part of The Allstate Corporation and offers home, auto, accident and health insurance, and other specialty insurance products through independent agents and directly to consumers.

The SIU Field Investigator investigates and analyzes complex, multi-discipline coverage and claims referred to the Special Investigation Unit because of potential fraud. The role handles complex attorney-represented and unrepresented claims, as well as moderate-to-complex losses involving suspicious activity. Investigations may include background searches, scene investigations, clinic inspections, recorded statements, review of medical notes and bills and property damage, witness interviews, social media searches, surveillance, and scene reconstruction. The investigator assesses whether fraud can be substantiated and supports litigation where appropriate. The role also provides work guidance, mentoring, and coaching to less senior employees, though it has no supervisory duties.

This experienced investigator role conducts complex fraud investigations across Auto, Homeowners, and Specialty Lines. It is field-based and supports a territory within approximately a three-hour radius of Chicago, Illinois. Prior investigative experience is required; SIU experience and a record of identifying, investigating, and resolving suspicious claims are strongly preferred.

Individuals who currently hold an active insurance license must terminate all existing appointments before onboarding and may not hold outside appointments during employment. Applicants seeking an adjuster role who hold a resident producer license must surrender it when instructed by the licensing team.

Base annual compensation varies by level: Special Investigative Unit Consultant II, $62,100–$105,300; Special Investigative Unit Sr Consultant I, $68,500–$117,700; and Special Investigative Unit Sr Consultant II, $70,100–$124,500. Compensation is based on experience and qualifications and may include incentive pay where applicable.

Requirements

• Prior investigative experience.
• Must comply with the stated insurance licensing and appointment requirements: active insurance license holders must terminate existing appointments before onboarding and hold no outside appointments during employment; adjuster applicants holding a resident producer license must surrender it when instructed.
• Candidates must be authorized to work in the United States; the company does not sponsor work visas.

Nice To Haves

• Special Investigations Unit (SIU) background.
• Proven track record of identifying, investigating, and resolving suspicious claims.

Responsibilities

• Enter SIU claim data into multiple SIU systems.
• Review investigations with fraud outcomes to validate whether denial is appropriate.
• Update files with investigation outcomes; return files to MCO for further handling and settlement when no fraud or insufficient evidence is found.
• Conduct complex online data application searches, research, and evaluation.
• Conduct complex site inspections, including at body shops, medical clinics, and loss locations.
• Investigate complex claims with potential fraud to determine whether payment is warranted, including scene investigations and surveillance as needed.
• Validate information obtained through investigations and follow up on all possible leads.
• Summarize documents and enter claim-system notes documenting the file, evaluations, and decision-making process.
• Use analytic tools or SIU field intelligence to identify complex claims for investigation and support evidence of fraud and damages.
• Research and respond to complex customer communications, concerns, conflicts, or issues.
• Conduct background searches, take recorded statements, review medical notes and bills and property damage, interview witnesses, and search social media.
• Conduct surveillance or create scene reconstructions on some investigations; assess whether fraud can be substantiated and support a lawsuit.
• Provide work guidance, mentoring, and coaching to less senior employees and the team.

Benefits

• Company-provided technology setup, including a laptop, monitors, headset, keyboard, and mouse.
• Monthly connectivity reimbursement for employees eligible to work from home.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed