SIU Senior Investigator

EMC Insurance Companies; Iowa; Remote; USD 79,000 - 120,000; Full time

Benefits offered by this job

Remote work eligibility

Job summary

EMC Insurance Companies seeks a Senior SIU Investigator to examine complex referrals, review related files, and coordinate with multiple parties. The role emphasizes collecting statements, conducting fieldwork, and preparing evidence for civil or criminal proceedings.

Travel may be required, with a salary range reflecting location and qualifications. The position supports remote work from anywhere in the United States and offers comprehensive anti-fraud initiatives and training.

Qualifications

• Bachelor’s degree or equivalent experience in business/insurance/criminal justice.
• Minimum 5 years in claims adjusting, investigation or insurance.
• FCLS designation within first year of hire.
• INS or AIC designations preferred.

Responsibilities

• Investigate SIU referrals of moderate to high complexity.
• Review claim, underwriting and premium audit files relevant to referrals.
• Contact departments, insureds, claimants, vendors and others to obtain information.
• Take statements from involved parties and document activity.
• Attend EUOs and depositions for assigned cases.
• Prepare special reports with summaries of investigative data.
• Provide status updates to team members and law enforcement.

Skills

Investigative process

Civil & criminal procedures

Statement taking

Communication skills

Independent work

Education

Bachelor’s degree in business/insurance/criminal justice

5 years claims investigation experience

FCLS designation (within 1 year)

Tools

Microsoft Office

Evidence handling

Job description

At EMC, we’re all about working together to make an impact. As part of our team, you’ll have the opportunity to grow, contribute, and gain experience that matters. We strive to be caring leaders, close partners, and responsive experts—always supporting each other to do our best work. Join us, and let’s improve lives together.

This position is eligible to work from home anywhere in the United States

Essential Functions

• Promptly investigates and evaluates SIU referrals of moderate to high complexity, including organized ring activity
• Reviews claim, underwriting and premium audit files pertinent to the referral
• Initiates contact with other departments, insureds, claimants, witnesses, vendors, other carriers, attorneys, law enforcement or any others to obtain information
• Researches background information, including public records, claims history and social media sites
• Takes statements from insureds, claimants, witnesses and other pertinent parties.
• Documents all special investigative handling and activity
• Reviews the facts of an investigation and completes field investigations
• Attends examinations under oath (EUOs) and depositions for assigned cases
• Secures and reviews bills, invoices, receipts and other documentation for legitimacy and accuracy
• Tracks trends and patterns of investigations regarding organized ring activity
• Provides status updates on special investigations to branch or corporate office team members, agents, defense counsel and law enforcement entities
• Identifies, investigates and pursues opportunities for recovery or restitution
• Develops and evaluates investigative data and evidence to formulate recommendations
• Conducts analysis of all investigative materials to formulate a recommendation for further handling, including payment, compromise or denial of a claim or rescission of a policy
• Prepares a special report with written summaries of all investigative data
• Communicates with branch and corporate office departments, as well as other impacted entities, regarding investigative activities and evidence to support or exonerate potential fraud
• Prepares documentation in compliance with a state’s anti-fraud reporting requirements on each investigation
• Prepares evidence packets related to civil litigation or criminal prosecution for submission to defense counsel, National Insurance Crime Bureau (NICB), State Fraud Bureaus and/or Attorney General’s offices or other law enforcement entities
• Develops assigned internal and external anti-fraud training and marketing of SIU services
• Develops assigned internal and external anti-fraud training
• Provides anti-fraud training to internal and external customers through investigative discussions and dissemination of educational materials
• Collaborates with team members in developing marketing strategies for the SIU department and its services
• Implements assigned marketing strategies
• Participates in the establishment of effective policy standards, practices, techniques and procedures for the investigation, evaluation and disposition of the SIU referral. Maintains active involvement in professional associations within the industry.

Education & Experience

• Bachelor’s degree in business, insurance, criminal justice or related field or equivalent relevant experience
• Five years of claims adjusting, investigation or insurance experience or related experience
• Prior property and casualty experience preferred
• Fraud Claim Law Specialist (FCLS) designation within the first year of hire
• Insurance designations, such as INS or AIC, preferred

Knowledge, Skills & Abilities

• Strong knowledge of the investigative process, including proper identification and collection of physical evidence
• Strong knowledge of civil and criminal investigative procedures and the legal system
• Strong knowledge of various statement taking techniques, collection and analysis of public and private records
• Good knowledge of property and casualty insurance industry and fraud awareness preferred
• Strong investigative skills and ability to make sound decisions
• Good conflict resolution, negotiation and facilitation abilities
• Ability to work independently and as part of a team
• Strong verbal and written communication skills, including file documentation and report writing
• Good knowledge of computers and Microsoft Office Suite
• Attendance of the National Insurance Crime Bureau SIU Academy within the first two years of hire
• Occasional travel; a valid driver’s license with an acceptable motor vehicle report per company standards required if driving

Per the Colorado Equal Pay for Equal Work Act, the hiring range for this position for Colorado-based team members is $75,910.79 - $97,485.70. The hiring range for other locations may vary.

The hiring salary range for this position will vary based on geographic location, falling within either of the following:

$78,726 - $108,771 or $87,008 - $119,646

A hiring range represents a subset of the full salary range. The actual salary will depend on several factors, including relevant education, skills, and experience of an applicant, geographic location, and business needs.

For information relating to the benefits EMC Team Members receive as part of a comprehensive rewards package, please visit www.emcins.com/careers.

Our employment practices are in accordance with the laws that prohibit discrimination due to race, color, creed, sex, sexual orientation, gender identity, genetic information, religion, age, national origin or ancestry, physical or mental disability, medical condition, veteran status, active military status, citizenship status, marital status or any other consideration made unlawful by federal, state, or local laws.

All of our locations are tobacco free including in company vehicles.