SIU Investigator, Auto Claims

Lemonade, Inc.; United States; Remote; USD 55.000 - 60.000; Vollzeit

Benefits dieser Stelle

Equity

401(k) plan with employer match

Health & wellness coverage

Paid vacation days

Parental leave

Zusammenfassung

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,

Qualifikationen

• 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.

Aufgaben

• 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.

Kenntnisse

SIU investigations

Auto claims

Fraud detection

Link analysis

AI awareness

Ausbildung

College degree (criminal justice/insurance)

Tools

ISO ClaimSearch

Accurint

TLOxp

LexisNexis

Jobbeschreibung

Remote, United States | Claims Experience | Full-time

Not your everyday company

Lemonade completely reinvented how insurance works. As a customer-centric tech company, we created an insurance experience that is smart, instant, and delightful.

At Lemonade, you’ll be working with a group of like-minded makers, who get a kick out of moving fast and delivering great products. We surround ourselves with some of the smartest, most motivated, creative people who are filled with positive energy and good karma.

Unlike most publicly traded companies, we’re nimble and efficient. We take pride in the fact that we still think and operate like a startup. We don’t care much about titles and hierarchy and instead focus on innovation, bold moves, and challenging the status quo.

We’re built as a lean, data-driven organization that relies on a common understanding of objectives and goals to provide teams with autonomy and ownership. We don’t like spending our days in meetings and we skip committees altogether. At Lemonade, there’s no such thing as going over someone’s head. We have zero tolerance for bureaucracy, office politics, and lean-back personalities.

As a Public Benefit Corporation and a certified B-Corp, we deliver environmental and social impact using our products and tech. Through our Giveback program, we partner with organizations such as the ACLU, New Story, The Humane Society, Malala Fund, American Red Cross, 360.org, charity: water, and dozens of others, and have donated millions towards reforestation, education, animal rights, LGBTQ+ causes, access to water, and more.

Awarded ‘best workplace’

Best Workplace and Best-Led Company by Inc.Magazine

“World Changing” by FastCompany

Recognized as a World Changing Idea by Fast CompanyMagazine

Ranked #1 Home insurance inAmerica

Won best renters and homeowners insurance in America by US News, andothers

Best Pet Insurance inAmerica

Rated “Best Overall Pet Insurance” by Better Homes &Gardens

Rated 4.9 on the AppStore

Among the highest rated apps of alltime

What you’re applying for

We're looking for an experienced SIU Investigator to help protect honest policyholders and keep sophisticated fraud networks from gaming the system — while making sure legitimate claims move fast. You'll join our Claims team at a pivotal moment, bringing specialized investigative expertise to high-risk files as we expand into key markets like Florida and keep pushing the boundaries of what modern fraud detection looks like.

We believe three things matter for every role at Lemonade: drive to push through challenges, efficiency that keeps standards high while moving fast, and adaptability that lets you pivot with data and AI insights. These aren't buzzwords, they're how we actually work.

Our AI-first approach isn't just a tagline either. We're building the future of insurance with AI at the center, and we need people who are genuinely excited to learn and grow alongside these tools.

In this role you'll

• 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

What you'll need

• 2+ years of dedicated SIU or auto claims investigative experience, with a proven record on complex cases.
• 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

Please note that we are unable to sponsor applicants for work visas.

Unfortunately, we cannot consider applicants from these states: Alaska, California, Colorado, Montana, Hawaii, New Mexico and Puerto Rico.

Lemonade's US base salary range for this full-time position is $55,000 - $60,000 plus equity + benefits. Our competitive total rewards package includes comprehensive health & wellness coverage, equity, a 401(k) plan with employer match, 20 paid vacation days, and parental leave.

Things to know…

Lemonade is an equal opportunity employer committed to diversity and inclusivity. We never discriminate on the basis of race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or other legally protected status. If you require reasonable accommodations due to religious beliefs, pregnancy, or disabilities, let us know at any time.

Property and casualty insurance is provided by Lemonade Insurance Company (LIC), 5 Crosby St., 3rd floor, New York, NY 10013 or Metromile Insurance Company (MIC), 3080 N. Civic Center Plaza, Scottsdale, AZ 85251. Life Insurance provided by North American Company for Life and Health Insurance®, Administrative Office, One Sammons Plaza, Sioux Falls, SD 57193.

Lemonade Insurance Agency, LLC (LIA) and Metromile Insurance Services LLC (MIS) are licensed insurance agents and appointed by LIC and MIC and both LIA and MIS receive compensation based on the premiums for the insurance policies each sells. Further information is available upon request.

Lemonade Life Insurance Agency, LLC (LLIA) is acting as the agent of North American Company for Life and Health Insurance® (policy form LS181 and LS 182 or state version including all applicable endorsements and riders). LLIA receives compensation for the insurance policies it sells and is a sub-producer of Bestow Agency, LLC. Life insurance quotes are provided by Bestow Agency, LLC dba Bestow Insurance Services in CA, who is the licensed agent. Products or issue ages may not be available in all jurisdictions. Limitations or restrictions may apply. Not available in New York. Our application asks about your lifestyle and health; your answers allow us to save you time and avoid offline medical exams.