Claims Senior Subrogation Specialist

AAA; Lincoln (RI); Hybrid; USD 65,000 - 86,000; Full time

Benefits offered by this job

Health coverage

401(K) + Pension

Tuition assistance

Floating holidays and PTO

Paid parental leave

Wellness programs

Employee discounts

Job summary

AAA in Lincoln, RI seeks a Claims Senior Subrogation Specialist to lead complex recovery efforts across outbound and inbound channels. You will handle arbitration filings, negotiate with carriers, and coordinate with legal counsel on high-impact subrogation matters.

The role requires strong negotiation, litigation coordination, and familiarity with E-Subro Hub and arbitration platforms, plus a license where required. Flexible work arrangements may apply.

Qualifications

• 4-6 years of claims liability experience required.
• Prior experience with E-Subro Hub and Arbitration Forums required.
• Advanced knowledge of claims administration and negligence laws.
• Excellent written communication for arbitration contentions.
• Proficient in Microsoft Office and claims systems.
• Strong organization and negotiation skills.
• Property & Casualty license or equivalent required where applicable.

Responsibilities

• Arbitration prep and filing for high-quality contentions.
• Oversee litigated subrogation files and manage vendors.
• Negotiate with third-party carriers and internal stakeholders.
• Identify and pursue recovery for specialized losses.
• Utilize key systems to exchange documentation and process payments.
• Serve as Arbitration Forum panelist for intercompany cases.
• Assess liability and damages on complex files across markets.
• Gather supporting documentation to verify demands.
• Review inbound demands for straight-through processing.
• Provide status updates to insured members on subrogation progress.
• Maintain accurate records in specialized subrogation systems.

Skills

E-Subro Hub

Arbitration Forums

Negotiation

Litigation coordination

Microsoft Office

Organization skills

Education

Bachelor's degree or equivalent

Tools

MS Office Suite

Claims systems

Job description

Claims Senior Subrogation Specialist

Job Summary

The Senior Subrogation Specialist is responsible for the technical evaluation, negotiation, and settlement of complex subrogation files regardless of the recovery or intake channel. Primary functions include identifying and pursuing recovery opportunities (Outbound), resolving incoming carrier demands (Inbound), and managing the full lifecycle of Arbitration filings. The specialist manages a diverse portfolio—including Medpay Trust, Government, and specialized loss types—while serving as a formal Arbitration Panelist to resolve industry disputes.

Job Duties

• Arbitration Prep & Filing: Prepare and file high-quality intercompany arbitration contentions through Arbitration Forums (Arb Forums) when negotiations reach an impasse, ensuring all legal theories and evidence are accurately presented.
• Litigation & Vendor Management: Manage and oversee all litigated subrogation files, coordinating with legal counsel to manage complex legal issues while monitoring and managing vendors for Medpay Trust, Property, Product Liability, and complex legal issues.
• Universal Communication & Negotiation: Communicate and interact with third-party insurance carriers, legal counsel, government entities, and internal stakeholders to review, negotiate, and resolve high-complexity inbound subrogation demands and outbound recovery efforts.
• Specialized Loss Recovery: Identify and pursue recovery for specialized losses, including Medpay Trust, Property, Watercraft, Motorcycle, commercial semi-truck, Government, and Product Liability claims.
• Technology & Systems: Utilize E-Subro Hub, Arbitration Forums, and specialized claims/appraisal systems to facilitate the electronic exchange of documentation and high-limit payment processing.
• Arbitration Industry Leadership: Serve as a required Arbitration Forums (AF) Panelist, reviewing and deciding on complex intercompany arbitration cases filed by other member carriers.
• Liability & Damage Assessment: Evaluate and determine liability and damages for high-complexity files across all markets, specifically addressing comparative liability disputes, policy limit issues, and negligence principles.
• Evidence & Verification: Identify and obtain necessary internal and external documentation, including police reports, repair estimates, and payment histories, to verify the accuracy of third-party demands or support liability arguments and recovery demands.
• Inbound Technical Review: Review and validate incoming demands involving specialized handling for Watercraft, Motorcycle, commercial semi-truck, and Real Property losses to ensure they meet “Straight Through” processing criteria.
• Member Advocacy: Proactively contact insured members to provide status updates on subrogation and recovery efforts, specifically regarding the status of their deductible recovery and reimbursement.
• Administrative Excellence: Maintain accurate records in all specialized subrogation systems to track productivity, savings, recovery rates, and file quality.
• Work Environment: Perform duties in an in-office environment, remote/work-from-home, or according to established flexible work arrangements as required by business needs.

Qualifications

• Bachelors Equivalent combination of education and experience Preferred
• 4-6 years 3+ years of claims liability experience required. Required
• Previous experience with E Subro Hub and Arbitration Forums required. (High proficiency)
• Advanced knowledge of claims administration, subrogation principles, and negligence laws across all markets. (High proficiency)
• Excellent written communication skills required for drafting complex arbitration contentions and legal correspondence. (Medium proficiency)
• Proficient in Microsoft Office suite, claims systems, appraisal systems, and E-Subro Hub. (High proficiency)
• Organization and planning proficiency required to manage complex litigation and arbitration timelines. (High proficiency)
• Advanced interpersonal and negotiation skills. (Medium proficiency)
• Successful completion of Foundation and Arbitration Handling training. (High proficiency)
• Property and Casualty Insurance License, valid in selling state - Issued by State P&C Insurance License required for Texas; must have the ability to obtain NH, VT, and KY licenses based on business need. Required

Travel Requirements

• Occasional travel to off-site business meetings or conferences (5% proficiency)

The starting pay range for this position is $64,500 - $86,100 annually. Additionally, you will be eligible to participate in our incentive program based upon the achievement of organization, team and personal performance.

Remarkable benefits:

• Health coverage for medical, dental, vision
• 401(K) saving plans with company match AND Pension
• Tuition assistance
• Floating holidays and PTO for community volunteer programs
• Paid parental leave
• Wellness programs
• Employee discounts (membership, insurance, travel, entertainment, services and more!)

Auto Club Enterprises is the largest club within the national AAA federation. We have nearly 17,000 employees in 24 states helping more than 18 million members. The strength of our organization is our employees. Bringing together and supporting different cultures, backgrounds, personalities, and strengths creates a team capable of delivering legendary, lifetime service to our members. When we embrace our diversity – we win. All of Us! With our national brand recognition, long-standing reputation since 1900, and constantly growing membership, we are seeking career-minded, service-driven professionals to join our team.

“Through dedicated employees we proudly deliver legendary service and beneficial products that provide members peace of mind and value.”

AAA is an Equal Opportunity Employer

Our organization participates in E-Verify