Root was founded on the belief that car insurance is broken, and we set out to change it. We’re harnessing the power of technology to revolutionize this archaic, complicated industry. Using machine learning and mobile telematic platforms, we’ve built one of the most innovative insurtech companies in the world.
The Opportunity
We are looking for a SIU Investigator II. In this role, you will play a critical role in driving the values on which our company was founded. As is the case with everyone we hire, this position will challenge you and push your critical thinking, creativity, and communication skills to help us solve complex problems. We’re looking for an investigator who integrates well with our claims culture.
Our perfect candidate understands the auto claims fraud landscape, is financially savvy, articulates both sides of an issue with clarity, digests complex information quickly and accurately, and is comfortable making decisions. This role is vital to our claims team’s success.
Salary Range: $65,900 - $82,400
Root is a “work where it works best” company. This means we will support you working in whatever location that works best for you across the US.
How You Will Make an Impact
- Accountable for complete investigation of claims suspected of fraud, including complex investigations involving multiple claims, multiple providers, and organized fraudulent activity
- Responsible for investigating claims that have indicators of potential misrepresentation. Investigations may include examination of documents, files, interviewing witnesses or other parties, coordinating forensic work with vendors, and conducting Examinations Under Oath
- Occasionally required to testify in court proceedings in person or remotely, and complete sworn affidavits
- Acts as a Liaison for the Claims Staff in fraud training, awareness, and investigation
- Proactively reviews files to identify potentially questionable claims
- Engages in learning opportunities to build knowledge of personal lines claims, court decisions impacting the claims function, current guidelines in claims function, and policy changes and modifications
- Provides input for continuous development of SIU and Claims best practices
- Interacts and communicates effectively with customers, peers, vendors, and managers.
- Provides technical claims recommendations in an effort to improve case outcomes
- Recommends potential product developments and process improvements
- Works with leadership developing and maintaining state fraud compliance plans
- Serves as a resource and mentor for less experienced investigators on the team
What You Will Need to Succeed
- Must have a minimum of 3 years experience handling investigations related insurance/self-insured fraud, with a focus on automobile injury and property damage claims preferred
- Fraud Claim Law Specialist certification, Certified Fraud Examiner designation, CPCU designation, or other certification relevant to fraud investigation preferred
- Strong understanding and application of laws, statutes, and regulations specific to fraud handling
- Experience conducting Examinations Under Oath without significant direction or assistance
- Understanding of telematics location data and interpretation of forensic reports related to vehicle onboard systems such as Event Data Recorders
- High sense of professionalism while remaining empathetic
As part of Root's interview process, we kindly ask that all candidates be on camera for virtual interviews. This helps us create a more personal and engaging experience for both you and our interviewers. Being on camera is a standard requirement for our process and part of how we assess fit and communication style, so we do require it to move forward with any applicant's candidacy. If you have any concerns, feel free to let us know once you are contacted. We’re happy to talk it through.
Please see our Privacy Notice available HERE for more information on how we process your personal data.
Consistent with the Americans with Disabilities Act (ADA) and the Civil Rights Act of 1964, it is the policy of Root to provide reasonable accommodation when requested by a qualified applicant or candidate with a disability, unless such accommodation would cause an undue hardship for Root. The policy regarding requests for reasonable accommodation applies to all aspects of the hiring process. If reasonable accommodation is needed, please contact [email protected]
Skills Required
- Minimum 3 years experience handling investigations related to insurance/self-insured fraud
- Experience with automobile injury and property damage claims
- Experience conducting Examinations Under Oath independently
- Understanding of telematics location data and interpretation of forensic reports for vehicle onboard systems (Event Data Recorders)
- Strong understanding and application of laws, statutes, and regulations specific to fraud handling
- Ability to testify in court and complete sworn affidavits
- Effective communication and interpersonal skills; able to interact with customers, peers, vendors, and managers
- High sense of professionalism while remaining empathetic
- Fraud-related certifications (Fraud Claim Law Specialist, CFE, CPCU, or similar)
What We Do
At Root, we’re doing things differently. We’re reimagining the services people need so that they serve them better. And we’re doing it by using data, technology, and rapid innovation to create products and experiences that are fair, easy, personal, and affordable. We’ve partnered with Carvana in a partnership that brings an industry-leading, seamless insurance process to the online car buying experience. The launch of Carvana Insurance Built with Root delivers an elevated customer experience made possible through a deep integration that pre-fills key customer information so that a customer can skip data entry and jump directly to evaluating quotes and customizing coverage. This fully embedded product experience—from quote to payment—happens entirely within the Carvana checkout process. Teams from both Carvana and Root have worked for months to build this bold technology platform. An early iteration involved 24 screens in the customer experience flow—that experience is now just three straightforward steps.
Why Work With Us
Our success is because of the hard work, ingenuity, and exceptional performance of our team. People come to Root because they know they can make an impact in their role, the company, and the industry. We’re passionate and curious self-starters, building a top-notch customer experience. Sound like something you’d like to be a part of?
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