SIU Senior Investigator

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

Investigates and evaluates moderate- to high-complexity SIU referrals, including suspected organized fraud activity.

Reviews claim, underwriting, premium audit, public record, claims history, social media, and other relevant information.

Conducts interviews, obtains statements, completes field investigations, and gathers evidence from insureds, claimants, witnesses, vendors, carriers, attorneys, law enforcement, and other parties.

Reviews bills, invoices, receipts, and supporting documentation for accuracy and legitimacy.

Analyzes investigative findings and develops recommendations regarding claim or policy handling, recovery, restitution, or other appropriate action.

Prepares thorough investigative reports, evidence packages, and required state anti-fraud documentation.

Supports examinations under oath (EUOs), depositions, civil litigation, criminal investigations, and referrals to organizations such as the National Insurance Crime Bureau (NICB), state fraud bureaus, and law enforcement agencies.

Identifies and monitors fraud trends, patterns, and organized activity.

Communicates investigation status and findings to internal teams, agents, counsel, law enforcement, and other appropriate parties.

Develops and delivers anti-fraud training and educational materials for internal and external audiences.

Supports SIU marketing initiatives and promotes awareness of SIU services.

Contributes to SIU policies, investigative practices, procedures, and industry best practices while maintaining involvement in relevant professional associations.

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.