SIU Field Investigator

Allstate • Chicago, IL

7d • $70,100 - $124,500

About The Position

National General, part of The Allstate Corporation, is seeking an experienced Special Investigative Unit (SIU) Investigator to investigate complex and occasionally highly complex suspected insurance fraud claims across Auto, Homeowners, and Specialty Lines. The role handles a combination of attorney-represented and unrepresented claims, including complex losses involving extra-contractual liability, large fire and property losses, and suspicious activity. This is a field-based position supporting a territory within approximately a three-hour radius of Chicago, Illinois.

The investigator conducts thorough, multi-discipline investigations by gathering and evaluating evidence, validating information, following leads, and determining whether fraud can be substantiated and whether payment is warranted. Investigative work may include background searches, scene investigations, clinic inspections, recorded statements, review of medical records and bills and property damage, witness interviews, and social media searches. The role also documents findings, supports lawsuits, pursues restitution, and returns files for further handling when fraud is not established or evidence is insufficient.

This position has no supervisory duties. Applicants who 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.

Requirements

• Prior investigative experience is required.
• Must comply with the stated insurance licensing and appointment requirements.
• Must be authorized to work in the United States; the company does not sponsor work visas.

Nice To Haves

• Special Investigations Unit (SIU) background is strongly preferred.
• A proven track record of identifying, investigating, and resolving suspicious claims.
• Skills in analytical thinking, claims processing, collision investigations, collision reconstruction, critical thinking, decision making, evidence gathering, fraud investigations, information collection, insurance claims investigations, insurance investigation, research, special investigations, surveillance operations, surveillance techniques, time management, and witness interviewing.

Responsibilities

• Make claim decisions on complex and occasionally highly complex investigations and pursue restitution.
• Manage, research, and resolve complex customer communications, concerns, conflicts, and issues.
• Validate information obtained through investigations and follow up on all possible leads.
• Investigate complex and occasionally highly complex multi-discipline and extra-contractual liability claims suspected of fraud to determine whether payment is warranted.
• Use analytic tools or SIU field intelligence to identify claims for investigation and support evidence of fraud and damages.
• Summarize documents and document claim files with notes, evaluations, and the decision-making process.
• Enter SIU claim data into multiple SIU systems.
• Update files with investigation outcomes and return files to MCO for further handling and settlement when fraud is not found or evidence is insufficient.
• Review investigations with fraud outcomes to validate whether denial is appropriate.
• Conduct complex and occasionally highly complex online data application searches, research, and evaluation.
• Conduct background searches, scene investigations, and clinic inspections.
• Take recorded statements, review medical notes and bills and property damage, and conduct witness interviews and social media searches.
• Determine whether fraud can be substantiated and support a lawsuit.

Benefits

• Comprehensive 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: Senior
• Education Level: No Education Listed