Claims SIU Investigator

Turo; Phoenix, Northern (AZ, KY); Hybrid; USD 70,000 - 80,000; Full time

Benefits offered by this job

Equity

In-office 3 days per week

Paid time off

Job summary

Turo in Phoenix seeks a Claims SIU Investigator to review potentially fraudulent or misrepresented insurance claims, gather evidence, and determine eligibility for protection in the marketplace.

You will interview witnesses, analyze data, and coordinate with internal teams and external partners to protect the community and reduce losses. This role requires strong investigative and communication skills and an in-office hybrid schedule.

Qualifications

• 3+ years in insurance claims, special investigations, fraud investigations, or related field.
• Strong investigative, analytical and problem-solving skills.
• Knowledge of insurance claims, fraud indicators, and regulatory requirements.
• Ability to identify organized fraud and document manipulation.
• Excellent verbal and written communication for interviews and reports.
• Ability to collaborate with NICB, law enforcement and internal teams.

Responsibilities

• Investigate claims involving suspected fraud, misrepresentation, policy violations or organized activity.
• Review files, damage evidence, account activity, and supporting documents.
• Conduct interviews and gather evidence from hosts, guests, repair facilities, witnesses.
• Analyze claims data to identify patterns and emerging fraud trends.
• Prepare investigative reports and coordinate with NICB and law enforcement.
• Partner with internal teams to provide findings and recommendations.

Education

Bachelor’s degree in criminal justice, business, insurance, or related field

Certified Fraud Examiner (CFE)

Equivalent relevant professional experience

Investigative analysis and interviewing

Regulatory and reporting knowledge

Fraud indicators and patterns

Risk assessment and decision making

Tools

Microsoft Office

Google Workspace

Fraud detection tools

Public records databases

Claims management systems

Job description

## Claims SIU InvestigatorApply: Arizona: Full time: Posted Today: End Date: October 30, 2026 (30+ days left to apply): R-102675# **About the team**The Claims Special Investigations Unit (SIU) Investigator investigates potentially fraudulent, suspicious, or misrepresented claims to reduce financial loss and protect the integrity of Turo’s marketplace. This position evaluates evidence, identifies fraud patterns, and provides findings that support claim, protection, recovery, and account action decisions.# **What you will do*** Investigate claims involving suspected fraud, material misrepresentation, policy violations, organized activity, or significant financial exposure. Review claim files, supporting documents, damage evidence, account activity, and other available information to determine whether a claim is eligible for protection.* Conduct interviews and gather evidence from hosts, guests, repair facilities, vendors, witnesses, and other relevant parties. Document investigative findings and maintain complete, accurate, and timely claim file records.* Analyze claims and account data to identify patterns, connections, repeat behaviors, suspicious repair facilities, organized fraud networks, and emerging fraud trends. Refer appropriate matters for expanded investigation, account action, recovery, or criminal investigation.* Develop and maintain partnerships with the National Insurance Crime Bureau (NICB), law enforcement agencies, state fraud bureaus, industry organizations, and other external investigative partners. Prepare referrals, respond to requests for information, and coordinate on matters involving suspected criminal activity or organized fraud.* Partner with Claims, Trust and Safety, Legal, Risk, Estimatics, Total Loss, and other internal teams to provide investigative findings and recommendations that support claim decisions, financial loss prevention, recoveries, and marketplace protections.* Prepare investigative reports, track prevented and recovered losses, and present significant findings to leadership.# **Your profile*** 3+ years of experience in insurance claims, special investigations, fraud investigations, law enforcement, risk management, or a related field.* Strong investigative, analytical, and problem solving skills, including the ability to evaluate complex information, identify inconsistencies, and reach evidence based conclusions.* Knowledge of insurance claims, fraud indicators, investigative methods, evidence preservation, and applicable regulatory and reporting requirements.* Ability to identify organized fraud, staged losses, material misrepresentation, document manipulation, and suspicious behavioral or financial patterns.* Excellent verbal and written communication skills, including the ability to conduct interviews, prepare investigative reports, and clearly communicate findings.* Ability to build and maintain effective working relationships with NICB, law enforcement agencies, state fraud bureaus, vendors, and other industry partners.* Excellent organizational skills and attention to detail, with the ability to manage multiple investigations and meet established deadlines.* Ability to handle sensitive and confidential information with discretion.* Ability to collaborate effectively with internal business partners and provide clear, evidence based recommendations.* Ability to function effectively in a fast paced and at times stressful environment.* Proficiency with Microsoft Office Suite, Google Workspace, claims management systems, fraud detection tools, public record databases, or related software.* Demonstrates Turo’s operating principles through work product and within day to day team interactions.# **Bonus if you have*** Experience investigating auto physical damage, total loss, theft, staged losses, document manipulation, repair facility fraud, or organized fraud.* Experience working with NICB, law enforcement agencies, state fraud bureaus, or other industry investigative organizations.* Bachelor’s degree in criminal justice, business, insurance, or a related field, or equivalent relevant professional experience.* Professional designation or certification such as Certified Fraud Examiner (CFE), Certified Insurance Fraud Investigator (CIFI), Fraud Claims Law Specialist (FCLS), or a comparable credential.For this role, the target base salary range in Phoenix is $70,000 - $80,000 annually. This role is also eligible for equity and benefits. In general, our ranges reflect the market-based target for new hire salaries based on the level and location of the role. Within the range, individual pay is determined by objective factors assessed during the application and interview process, such as job-related skills, experience, and relevant education or training. We encourage you to talk with your recruiter to learn more about the total compensation and benefits available for this role.**Turo highly values having employees working in-office to foster a collaborative work environment and company culture. This role will be in-office on a hybrid schedule — Turists will be expected to work in the office 3 days per week on Mondays, Wednesdays, and Thursdays. Your recruiter can share more information about the various in-office perks Turo offers.**#LI-DNP# **Turo Recruiting Scam Alert:***We’ve learned that there are scammers targeting job candidates by impersonating Turo and its employees. We ask candidates to be careful of fraudulent job postings or suspicious recruiting activity during their job search, especially if they’re contacted through unofficial channels (such as Instagram, Telegram, MS Teams, etc.). In general, Turo interacts with candidates through our* *Careers page* *and via turo.com email addresses, and we don’t ask candidates for sensitive financial or personal info or request money as part of the hiring process (so an application fee or equipment costs).* *If candidates are not sure whether they’re dealing with an impersonator, they can contact Turo’s Recruiting Team at* *[e-mail]*. *Candidates can also report suspicious activity to the* *FTC* *or other appropriate authorities.*# **Turo AI Policy:**Turo may use AI-enabled tools to support our recruiting operations, including gathering information from candidates, drafting communications, helping with interview note-taking and assessment, and so on. These tools only supplement our team; all decisions to advance or hire candidates are made by Turo employees. While we welcome candidates to use AI-enabled tools to help prepare for their interviews, the use of such tools, including any AI chatbots or note-takers, is not permitted during live interviews or technical assessments. We want to see how you consider and solve problems in real-time, so interviews and assessments are all you (unless we indicate otherwise and ask you specifically to use an AI-enabled tool to answer a question). If during the application process you require the use of an AI-enabled tool as a reasonable accommodation for a disability, please let us know at [e-mail].# # **Benefits*** Competitive salary, equity, benefits, and perks for all full-time employees* Employer-paid medical, dental, and vision insurance (Country specific)* Retirement employer match* Learning & Development stipend to invest in your professional development* Turo host matching program* Turo travel credit* Cell phone and internet stipend* Paid time off to relax and recharge* Paid holidays, volunteer time off, and parental leave* For those who are in the office full-time or hybrid we have in-office lunch, office snacks, and fun activitiesWe are committed to building a diverse team. If you are from a background that's underrepresented in tech, we'd love to meet you.Aside from an award winning work environment and the opportunity to be part of the world’s largest car sharing marketplace, we are also growing the team quickly - join us! Even if you don't meet every qualification, we are looking for people with enthusiasm for what we do and we will consider you for this and other possibilities.