At Allstate, great things happen when our people work together to protect families and their belongings from life’s uncertainties. And for more than 90 years, our innovative drive has kept us a step ahead of our customers’ evolving needs. From advocating for seat belts, air bags and graduated driving laws, to being an industry leader in pricing sophistication, telematics, and, more recently, device and identity protection. Job Description This job is responsible for investigating and analyzing moderately complex auto claims referred to the Special Investigation Unit (SIU) for potential fraud. The role conducts site inspections, including body shops, medical clinics, and loss locations; performs background research; obtains recorded statements and witness interviews; reviews medical records and billing documentation; and conducts social media searches. Responsibilities include evaluating investigative findings to determine whether fraud can be substantiated and supporting potential legal action when appropriate. Are you an experienced claims adjuster who enjoys digging deeper, connecting the dots, and uncovering potential fraud? If you're naturally curious, thrive on investigative work, and enjoy following the facts wherever they lead, this could be the perfect opportunity to put your analytical and investigative skills to work in a meaningful way. As an SIU Investigator, you will investigate potentially fraudulent insurance claims, gather and analyze evidence, conduct interviews, and collaborate with claims professionals to help ensure accurate claim outcomes while protecting the organization and its customers from fraud. Seeking candidates with auto claims experience who have managed claims throughout the full claim lifecycle, including maintaining and working a pending inventory. Ideal candidates will have strong critical thinking skills, be highly organized, detail-oriented, and confident asking difficult questions to gather the information needed to move claims forward. Key Responsibilities • Summarizes documents and enters into claim system notes, documenting a claim file with notes, evaluations and decision-making process • Researches and responds to moderately complex and occasionally complex customer communications, concerns, conflicts or issues • Reviews investigations with fraud outcomes to validate whether denial is appropriate • Validates that the information provided and obtained through investigation is true and accurate and follows up on all possible leads • Conducts thorough investigations of moderately complex and occasionally complex, multi-discipline claims that are potentially fraudulent to determine if payment is warranted, including scene investigations and surveillance as needed • Utilizes analytic tools or SIU field intelligence to identify moderately complex and occasionally complex claims for investigation and/or for support in the evidence of the fraud and damages • Manages vendor relationship and oversees vendor performance • Makes claim decisions regarding moderately complex and occasionally complex investigations, and pursues restitution • Enters SIU claim data information into multiple SIU systems • Updates files with investigation outcome, and when no fraud, or if insufficient evidence is found, returns file to MCO for further handling and settlement Supervisory Responsibilities • This job does not have supervisory duties. #LI-AS2 Skills Analytical Thinking, Auto Insurance Claims, Decision Making, Documentations, Fraud Detection, Insurance Investigation, Researching, Witness Interviewing Compensation Base compensation offered for this role is: SIU Analyst III: $53,500.00 - $77,800.00/salary SIU Cons I: $60,000.00 - $87,400.00/salary SIU Cons II: $62,100.00 - $92,700.00/salary SIU Sr Cons I: $68,500.00 - $104,100.00/salary Compensation is based on experience and qualifications. Total compensation for this role may include additional components, such as incentive pay (for example, commission or bonus), if applicable. As a requirement of employment, individuals who currently hold an active insurance license must terminate all existing appointments prior to onboarding and must not hold any outside appointments at any point during employment. Applicants seeking an adjuster role who also hold a resident producer license must formally surrender that license when instructed to by the licensing team. By proceeding with the application process, applicants acknowledge and accept these licensing requirements and agree to comply. The candidate(s) offered this position will be required to submit to a background investigation. Joining our team isn’t just a job — it’s an opportunity. One that takes your skills and pushes them to the next level. One that encourages you to challenge the status quo. One where you can shape the future of protection while supporting causes that mean the most to you. Joining our team means being part of something bigger – a winning team making a meaningful impact. Allstate generally does not sponsor individuals for employment-based visas for this position. Effective July 1, 2014, under Indiana House Enrolled Act (HEA) 1242, it is against public policy of the State of Indiana and a discriminatory practice for an employer to discriminate against a prospective employee on the basis of status as a veteran by refusing to employ an applicant on the basis that they are a veteran of the armed forces of the United States, a member of the Indiana National Guard or a member of a reserve component. For jobs in San Francisco, please click “here” for information regarding the San Francisco Fair Chance Ordinance. For jobs in Los Angeles, please click “here” for information regarding the Los Angeles Fair Chance Initiative for Hiring Ordinance. To view the “EEO Know Your Rights” poster click “here”. This poster provides information concerning the laws and procedures for filing complaints of violations of the laws with the Office of Federal Contract Compliance Programs. To view the FMLA poster, click “here”. This poster summarizing the major provisions of the Family and Medical Leave Act (FMLA) and telling employees how to file a complaint. It is the Company’s policy to employ the best qualified individuals available for all jobs. Therefore, any discriminatory action taken on account of an employee’s ancestry, age, color, disability, genetic information, gender, gender identity, gender expression, sexual and reproductive health decision, marital status, medical condition, military or veteran status, national origin, race (include traits historically associated with race, including, but not limited to, hair texture and protective hairstyles), religion (including religious dress), sex, or sexual orientation that adversely affects an employee's terms or conditions of employment is prohibited. This policy applies to all aspects of the employment relationship, including, but not limited to, hiring, training, salary administration, promotion, job assignment, benefits, discipline, and separation of employment. Allstate provides a comprehensive technology setup, including a laptop, monitors, headset, keyboard, and mouse. Employees eligible to work from home also receive a monthly connectivity reimbursement to help offset internet costs. When working from home, you must have a dedicated, private workspace free from distractions, along with appropriate desk and seating. Reliable internet is required, with minimum speeds of 50 MB download and 5 MB upload.