Remote SIU Investigator — Auto Claims & Fraud (FL)

Lemonade, Inc.; United States; À distance; USD 55 000 - 60 000; Plein temps

Avantages offerts par ce poste

Equity

401(k) plan with employer match

Health & wellness coverage

Paid vacation days

Parental leave

Résumé du poste

Lemonade, Inc. is seeking an experienced SIU Investigator to protect honest policyholders and combat sophisticated fraud networks.

Join our Claims team during a growth phase as we expand into key markets like Florida and push forward AI-driven fraud detection in a remote environment. You will lead end-to-end investigations, dismantle fraud rings, and collaborate with Data Science to refine predictive models, all while maintaining Lemonade's customer-centric approach and fast-moving,

Qualifications

• 2+ years of dedicated SIU or auto claims investigative experience.
• Deep Florida PIP and BI expertise — statutes, treatment windows, billing mill fraud, and EUO dynamics.
• Hands-on experience with intelligence platforms like ISO ClaimSearch, Accurint, TLOxp, or LexisNexis.
• Proven ability to investigate large-scale, multi-jurisdictional organized fraud rings and billing syndicates.
• Genuine curiosity about AI — both as an investigative asset and as a fraud threat vector you'll need to stay ahead of.
• A college degree, preferably in criminal justice, insurance, or a related field.
• Ability to work in a remote environment.

Responsabilités

• Lead end-to-end SIU investigations on complex auto claims — Physical Damage, Bodily Injury, and PIP/Medical Payments — with full ownership from referral to resolution.
• Identify and dismantle multi-claim fraud networks, staged accident rings, and coordinated medical billing schemes using link analysis and pattern-recognition techniques.
• Apply deep working knowledge of Florida PIP statutes, medical fee schedules, and the 14-day treatment rule to counter state-specific fraud trends.
• Partner directly with our Data Science and Product teams to test and refine predictive fraud models, feeding real-world case intelligence back into automated detection.
• Investigate emerging digital fraud risks — AI-manipulated damage photos, synthetic media, and altered records — using the latest AI tools and digital research platforms.
• Support EUOs, state fraud bureau referrals, and case strategy alongside claims adjusters and legal counsel.

Connaissances

SIU investigations

Auto claims

Fraud detection

Link analysis

AI awareness

Formation

College degree (criminal justice/insurance)

Outils

ISO ClaimSearch

Accurint

TLOxp

LexisNexis

Description du poste

Lemonade, Inc. is seeking an experienced SIU Investigator to protect honest policyholders and combat sophisticated fraud networks.

Join our Claims team during a growth phase as we expand into key markets like Florida and push forward AI-driven fraud detection in a remote environment. You will lead end-to-end investigations, dismantle fraud rings, and collaborate with Data Science to refine predictive models, all while maintaining Lemonade's customer-centric approach and fast-moving,