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 salary ranges are determined by role, level, and location. Within the range, individual pay is determined by work location and additional factors, including job-related skills, experience, and relevant education or training. 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. Speak to your recruiter to hear more about the specific salary range for your preferred location and our total rewards package.
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Skills Required
- 2+ years of dedicated SIU or auto claims investigative experience handling complex cases
- Deep expertise in Florida PIP and bodily injury claims, including statutes, treatment windows, billing mill fraud, and EUO dynamics
- Hands-on experience with ISO ClaimSearch, Accurint, TLOxp, or LexisNexis
- Experience investigating large-scale, multi-jurisdictional organized fraud rings and billing syndicates
- Genuine curiosity about AI as an investigative asset and fraud threat vector
- College degree, preferably in criminal justice, insurance, or a related field
- Ability to work in a remote environment
Lemonade Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Lemonade and has not been reviewed or approved by Lemonade.
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Healthcare Strength — Cigna-administered medical plans provide multiple options (EPO/OAP/OAPIN/HDHP) alongside dental, vision, prescription coverage, disability, and life/AD&D. 2026 plan materials and state notices indicate broad essential health benefits with mainstream networks.
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Retirement Support — A tiered 401(k) match structure is documented, offering meaningful employer contributions when employees save. This complements equity grants/RSUs that are commonly included in total rewards.
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Leave & Time Off Breadth — Employee-reported baselines around defined PTO and company holidays, plus flexible sick time, position time off as a strength. Parental leave is frequently described as generous for the U.S. context, though candidates should confirm current specifics.
Lemonade Insights
What We Do
Our mission is simple: Create the world’s most loved insurance through technology and social impact. As a certified Public Benefit Corporation and B-Corp, Lemonade is constantly challenging how the insurance industry does business. We’re creating an experience that is fast, affordable, and hassle-free across renters, homeowners, pet, life and car insurance. And through our annual Giveback program, in which leftover premiums are donated to charities our customers choose, we’ve donated nearly $5 million to a variety of organizations in need.
Why Work With Us
We’ve set out to make insurance loveable, fast, simple, and socially impactful - words that aren’t often associated with this industry. We’re a Certified B-corp, the only US insurance company to never invest in polluting industries, and our annual Giveback program has donated nearly $5 million globally to nonprofits in need.
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