Job DescriptionThis job is responsible for investigating and analyzing complex, multi-discipline coverage and claims that have been referred to the special investigation unit (SIU) for potential fraud. This role typically handles a combination of complex attorney represented and unrepresented claims and moderate to complex losses, in which suspicious activity has been identified. The individual performs a thorough investigation including; (1) conducting background searches, scene investigations, and clinic inspections; (2) taking recorded statements; (3) reviewing and analyzing medical notes, bills, and property damage; and (4) conducting witness interviews and social media searches. The individual conducts surveillance on property and/or creates scene reconstructions on some investigations and reviews whether fraud can be substantiated and supports a lawsuit. The individual provides work guidance and direction to less senior employees and provides mentoring and coaching to the team.
National General Insurance is currently seeking an experienced SIU Field Investigator to join our Special Investigations Unit (SIU) in New York!This is a field-based, location-specific position, and the ideal candidate will reside in or near Bronx, Manhattan, Westchester, or the surrounding areas.Key Responsibilities- Enters SIU claim data information into multiple SIU systems
- Reviews investigations with fraud outcomes to validate whether denial is appropriate
- Updates files with investigation outcome, and when no fraud or insufficient evidence is found, returns file to MCO for further handling and settlement
- Conducts complex online data application searches, research, and evaluation
- Conducts complex site inspections, including body shops, medical clinics, loss locations etc.
- Conducts thorough investigations of complex that are potentially fraudulent to determine if payment is warranted, including scene investigations and surveillance as needed
- Validates that the information provided and obtained through investigation is true and accurate and follows up on all possible leads
- Summarizes documents and enters into claim system notes, documenting a claim file with notes, evaluations and decision-making process
- Utilizes analytic tools or SIU field intelligence to identify complex claims for investigation and/or for support in the evidence of the fraud and damages
- Researches and responds to complex customer communications, concerns, conflicts or issues
Supervisory Responsibilities- This job does not have supervisory duties.
As a requirement of employment, individuals who currently hold an active insurance license must terminate all existing appointments prior to onboarding and must not hold any outside appointments at any point during employment. Applicants seeking an adjuster role who also hold a resident producer license must formally surrender that license when instructed to by the licensing team. By proceeding with the application process, applicants acknowledge and accept these licensing requirements and agree to comply.
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SkillsDocumentations, Law Enforcement, Special Investigations
CompensationBase compensation offered for this role is:
SIU Cons I: $60,000 - $87,400
SIU Cons II: $62,100 - $92,700
SIU Sr Cons I: $68,500- $104,100
And is based on experience and qualifications. Total compensation for this role is comprised of several factors, including the base compensation outlined above, plus incentive pay (i.e. commission, bonus, etc.) if applicable for the role.
Allstate provides a comprehensive technology setup, including a laptop, monitors, headset, keyboard, and mouse. Employees eligible to work from home also receive a monthly connectivity reimbursement to help offset internet costs.
When working from home, you must have a dedicated, private workspace free from distractions, along with appropriate desk and seating. Reliable internet is required, with minimum speeds of 50 MB download and 5 MB upload.
