Sr SIU Investigator

BP&C • Springfield, MO

2d • Onsite

About The Position

The Senior SIU Investigator is responsible for leading complex investigations involving suspected insurance fraud across multi-lines of business and jurisdictions. This role conducts in-depth analysis of claims and non-claim activities including underwriting and internal referrals while ensuring compliance with legal and regulatory standards. The Senior Investigator serves as a subject matter expert, collaborating with internal departments, legal counsel, and external agencies such as law enforcement, fire marshals, departments of insurance, and the National Insurance Crime Bureau. Additionally, this role mentors SIU investigators and contributes to the development of fraud prevention initiatives that protect the company and its insureds.

Requirements

• Bachelor's degree.
• Six to eight years of experience.

Nice To Haves

• Law enforcement or prior investigative background preferred

Responsibilities

• Oversees a caseload of complex claims and underwriting investigations, exercising elevated reserve authority beyond that of SIU Investigator.
• Conducts comprehensive policy analysis, including coverage and exclusion reviews, followed by in-depth investigations to accurately assess exposure.
• Leads the management of litigation claims across all lines of business for both personal and commercial claims.
• Independently determines and sets strategic claim reserves to ensure accurate financial forecasting and risk mitigation.
• Develops and coordinates litigation strategies with defense counsel that balance cost-efficiency with optimal outcomes for the company and insureds.
• Evaluates complex bodily injury, property damage, and contents claims, including calculation of past/future medical expenses, wage loss, and personal injury valuations; engages expert consultants when necessary.
• Exercises sound judgment in daily decision-making, balancing investigative outcomes with financial exposure and operational impact.
• Represents the company in legal proceedings, including court-ordered mediations, depositions, and trials.
• Champions fraud awareness initiatives by developing and delivering training presentations to internal teams across departments.
• Identifies opportunities for discovering fraudulent activity by insureds, claimants, providers through investigative handling.
• Prepares comprehensive investigative summaries for leadership and external agencies, including law enforcement, departments of insurance, fire marshals, National Insurance Crime Bureau and the Attorney General’s office
• Builds cross-functional partnerships with internal departments to enhance investigative outcomes and promote enterprise-wide fraud prevention strategies.
• Fosters a positive workplace environment by promoting open communication, mutual respect, and cross functional collaboration across teams and departments.
• Provides mentorship and guidance to SIU Investigators fostering professional growth.

Benefits

• We offer a competitive compensation package, performance-based incentives, and a comprehensive benefits program—including health, dental, vision, 401(k) with company match, paid time off, and professional development opportunities.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 1,001-5,000 employees