Remote Sr. Special Investigator

Fidelity Life is a leading provider of financial security for middle market consumers. With a history of innovation, the company is redefining the life insurance industry with patented products and processes. Fidelity Life pioneered the use of predictive analytics to streamline the new business process and revolutionize the speed that policies can be issued. Established in 1896, Fidelity Life enjoys a long track record of success and continues to build its reputation of sound fiscal management and customer‑focused innovation.

• Review alerts, referrals, and claims for indicators of fraud or suspicious activity, including misrepresentation, forgery, beneficiary fraud, and agent/distributor misconduct.
• Independently prioritize and triage the SIU’s cases based on risk, severity, exposure, regulatory deadlines and reputational risk.
• Establish and maintain accurate, audit‑ready case logs and documentation standards in accordance with internal procedures and regulatory guidelines.
• Manage a concurrent caseload of complex, high‑value investigations from intake through resolution, often serving as escalation point for cases initiated by other team members.
• Interpersonal and presentation skills to communicate, and represent the SIU, with internal and external sources.
• Comfort operating in a small or scaling team, including contributing to process design and program build‑out rather than relying solely on existing infrastructure.

• Lead and independently manage end‑to‑end fraud investigations involving life insurance claims, policy procurement, and distribution channel activity, including multi‑jurisdictional or organized fraud schemes.
• Serve as lead case strategist on all of SIU’s complex investigations, coordinating cross‑functional response among claims, compliance, underwriting, and legal as well as external investigators or vendors.
• Plan and conduct structured interviews of claimants, agents, witnesses, and other relevant parties, including high‑stakes or adversarial interviews requiring advanced interviewing strategy.
• Gather, organize, and critically analyze evidence sets including claim records, policy files, medical records, financial statements, public records, and third‑party data sources.
• Compile and organize investigative exhibits, evidence packages, and case files suitable for internal review, civil referral, criminal referral, or regulatory submission.
• Draft clear, concise, and well‑supported fraud case summaries and investigative reports for SIU leadership, legal counsel, and compliance teams as well as reports to state departments of insurance and national fraud databases within required time frames.
• Help define investigative standards, case documentation templates, and onboarding practices.

• Ensure all SIU activities are conducted in accordance with state and federal insurance fraud regulations.
• Lead preparations and submission of mandatory fraud reports to state departments of insurance and national fraud databases (e.g., NICB).
• Maintain documentation for audits and regulatory reviews.
• Monitor and interpret regulatory changes, emerging fraud schemes, and industry trends, translating implications into updated investigative practice for the team.

• Apply advanced data mining and analytics techniques to detect emerging fraud patterns and surface new risk indicators.
• Track and report key case metrics including volumes, investigation outcomes, cycle times, and estimated fraud savings.
• Develop and present fraud trend analyses and reporting for senior leadership.
• Partner with internal and external detection/analytics personnel to refine fraud detection models based on casework findings.

• Design and deliver fraud awareness training and educational materials for staff, agents, and distribution partners.
• Monitor industry developments and proactively share insights to strengthen fraud prevention efforts.
• Act as a subject‑matter resource for less experienced investigators and other departments on fraud indicators and investigative best practice.

• Bachelor’s degree in Criminal Justice, Business, Insurance,…