SIU Investigator II

EMC Insurance Companies

6d • $66,294 - $100,731 • Remote

About The Position

The SIU Investigator II investigates and evaluates moderately complex Special Investigation Unit referrals, including suspected organized fraud activity. The position may be performed from home anywhere in the United States. The investigator reviews claim, underwriting, premium audit, public record, claims history, and social media information; conducts interviews and field investigations; and evaluates supporting documentation and evidence. The role includes working with internal teams, attorneys, law enforcement, and other relevant parties, and recommending appropriate claim or policy handling, recovery, or restitution actions. The investigator also prepares reports and evidence packages, communicates findings, supports anti-fraud training and awareness, and contributes to investigative policies and procedures.

A bachelor’s degree in a relevant field or equivalent relevant experience is required, along with three years of claims adjusting, investigation, insurance-related, or related experience. A Fraud Claim Law Specialist designation is required within the first year of hire, and attendance at the National Insurance Crime Bureau SIU Academy is required within the first two years. Occasional travel is required. A valid driver’s license and an acceptable motor vehicle report are required if driving.

The hiring salary range varies by geographic location. The posting lists ranges of $59,463–$81,943 or $65,568–$90,343, and also $66,294–$91,570 or $73,245–$100,731. Actual salary depends on relevant education, skills, experience, geographic location, and business needs. Information about the company’s comprehensive rewards package is available on its careers website. Company locations, including company vehicles, are tobacco-free.

Requirements

• Bachelor’s degree in business, insurance, criminal justice, or a related field, or equivalent relevant experience.
• Three years of claims adjusting, investigation, insurance-related, or related experience.
• Obtain the Fraud Claim Law Specialist designation within the first year of hire.
• Attend the National Insurance Crime Bureau SIU Academy within the first two years of hire.
• Good knowledge of the investigative process, including proper identification and collection of physical evidence.
• Good knowledge of civil and criminal investigative procedures and the legal system.
• Good knowledge of statement-taking techniques and the collection and analysis of public and private records.
• Good investigative skills and the ability to make sound decisions.
• Good conflict resolution, negotiation, and facilitation abilities.
• Ability to work independently and as part of a team.
• Strong verbal and written communication skills, including file documentation and report writing.
• Good knowledge of computers and Microsoft Office Suite.
• Occasional travel.
• A valid driver’s license and an acceptable motor vehicle report per company standards are required if driving.

Nice To Haves

• Prior property and casualty experience.
• Knowledge of the property and casualty insurance industry and fraud awareness.
• Insurance designations such as INS, AIC, and FCLS.

Responsibilities

• Investigate and evaluate moderately complex SIU referrals, including suspected organized fraud activity.
• Review claim, underwriting, premium audit, public record, claims history, and social media information to support investigations.
• Conduct interviews, obtain statements, complete field investigations, and review supporting documentation for accuracy and legitimacy.
• Attend examinations under oath and depositions, and collaborate with internal teams, attorneys, law enforcement, and other relevant parties.
• Analyze evidence to support or rule out suspected fraud; recommend claim or policy handling; and pursue recovery or restitution opportunities.
• Prepare investigative reports, required state anti-fraud documentation, and evidence packages for civil litigation or criminal prosecution.
• Communicate investigation status, findings, and recommendations to appropriate stakeholders.
• Help develop and deliver internal anti-fraud training and promote awareness of SIU services.
• Contribute to investigative policies, practices, and procedures and maintain involvement in relevant professional associations.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level