Special Investigations Unit Investigator – Mid-Level

Job Description

Purpose of Job

Let’s do something that really matters.
We have an important mission: serving the members of the military community and their families. It’s both a chance to say thank you and the opportunity to put your talents to work in a meaningful way. To do it right, we need the right people. We’re looking for those who share our values of honesty, integrity, loyalty and service. Because what we do is just as important as how we do it.
Come be a part of what makes us so special!
It is all about learning and growing.
We are currently seeking a talented SIU Investigator for a field-based position in the San Diego area. This field role provides the opportunity of working from your home office, with a company car provided.
Protects USAA and our members from potential fraudulent claims by investigating questionable, suspect claims activity in compliance with state insurance fraud-related laws and regulations and policies and procedures.
Provides specialized investigative and advisory services to Claims, Underwriting and Policy Service on moderately complex to complex situations involving questionable, suspect or fraudulent claims activity. Works with law enforcement, fire and other related agencies to investigate potential fraud. Works under minimal supervision to perform work assignments and problem resolution. Participates in the development of fraud prevention strategies and independently completes investigations.

Job Requirements

About USAA

USAA knows what it means to serve. We facilitate the financial security of millions of U.S. military members and their families. This singular mission requires a dedication to innovative thinking at every level.

We embrace a robust veteran workforce and encourage veterans and veteran spouses to apply.

Primary Responsibilities:

• Identifies and manages existing and emerging risks that stem from business activities and the job role.
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled.
• Follows written risk and compliance policies and procedures for business activities.
• Applies knowledge and understanding of fraud schemes and investigation strategies on any questionable or suspect first or third part claims.
• Participates in the development of fraud prevention strategies.
• Applies knowledge of P&C insurance industry products, services and processes in investigating claims. This includes P&C insurance policy contracts, coverages and internal claims handling process and procedures.
• Applies knowledge of state laws and regulations pertaining to insurance fraud in investigating claims.
• Collects evidence of potential fraud through field or remote interviews and thorough searches of investigative databases, internal resources, Internet resources, public records, and forensic tools.
• Makes recommendations within defined authority guidelines.
• Prepares and presents detailed and comprehensive verbal and written investigative reports summarizing the results of the investigation and recommended outcome.
• Develops and maintains external relationships with industry, law enforcement and other contacts involved in fraud investigation, detection and prevention.
• May serve as a resource team member on specific matters through demonstrated skill or training.
• Assists with the delivery of fraud awareness training initiatives in a defined environment.
• Handles CAT duty responsibilities as business requires.

When you apply for this position, you will be required to answer some initial questions. This will take approximately 5 minutes. Once you begin the questions you will not be able to finish them at a later time and you will not be able to change your responses.

Minimum Requirements:

• High School Diploma or General Equivalency Diploma
• 2 years claims adjusting experience, or P&C SIU/Fraud Investigation experience OR 4 years prior investigative law enforcement (to include military) or relevant fraud industry investigation experience.
• Must have or obtain a P&C adjusters license within 90 days
• Proven investigatory skills.
• Experience obtaining statements from various parties to incidents, witnesses, and suspects.
• Ability to gather broad range of evidence and draw conclusions based on the objective details related to the applicability of fraud.
• Demonstrated ability to organize and prioritize workload, performing multiple tasks and devising solutions to problems.
• Familiarity with using computers and various software packages to enter and extract data for analysis from relevant data sources and systems.
• Knowledge of city, state and local regulations, legal concepts, understanding of contracts, case law, medical treatment, and medical terminology.

Preferred Experience:

• P&C experience to include Auto, Property and Underwriting
• SIU, Fraud Investigations, Military or Law Enforcement experience
• Ability to use public record systems and/or claims databases to support investigations
• Demonstrated ability to manage complex fraud cases and/or rings
• Ability to work with minimal supervision and manage an active caseload in a remote (field) team environment
• Proficiency in establishing, documenting, and pursuing appropriate investigative awareness and strategies
• Possess an active adjuster’s license
• Related professional designations (e.g. CIFI, CFE, CPCU, etc.)
• Currently reside within or have the ability to self-relocate within the greater San Diego, CA area

May need to meet all USAA safe driving requirements including verification of driving record through MVR & possession of valid driver’s license.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

Compensation:

USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market position. The salary range for this position is: $60,300 - $108,600*

Employees may be eligible for pay incentives based on overall corporate and individual performance or at the discretion of the USAA Board of Directors.

*Geographical Differential: Geographic pay differential is additional pay provided to eligible employees working in locations where market pay levels are above the national average.

Shift premium: will be addressed on an individual-basis for applicable roles that are consistently scheduled for non-core hours.

Benefits:

At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

Please click on the link below for more details.

USAA Total Rewards

Relocation assistance is not available for this position.