Claims Fraud Investigator

Zurich is seeking an experienced Claims Fraud Investigator to join its Claims Fraud and Investigation team. Our hybrid work model accommodates remote and in‑person collaboration, and the role can be performed fully remote from Arizona, Nevada, California or Utah, or from any U.S. state with strong candidate consideration.

• Conduct investigations into suspected insurance fraud within assigned territories or lines of business, including complex, layered, or organized schemes.
• Evaluate all aspects of referred claims, including loss circumstances, backgrounds of involved parties, documentation validation, and underwriting considerations.
• Perform database research, open‑source intelligence reviews, social media assessments, and link analysis to identify inconsistencies or coordinated fraud indicators.
• Assign and oversee vendor activities such as surveillance, scene investigations, and specialized investigative tasks; review deliverables and ensure proper documentation.
• Conduct recorded interviews, site visits, canvasses, and other investigative steps to verify material facts and identify fraud indicators.
• Maintain highly organized case files and documentation that accurately reflect investigative actions and findings.
• Analyze evidence to determine potential misrepresentation, fraud, or network‑linked activity involving multiple claims.
• Prepare clear, comprehensive investigative reports with objective findings and recommendations for claims teams and management.
• Communicate critical investigative developments promptly and collaborate closely with claims partners throughout the investigative process.
• Identify cases that warrant escalation due to suspected organized fraud rings, staged events, or potential law‑enforcement involvement.
• Ensure all investigative activity complies with SIU regulatory requirements, privacy laws, and Zurich governance standards.
• Travel as necessary to conduct interviews, inspections, and field investigations.

• Bachelor’s degree and 4 or more years of experience in technical claims investigations, law enforcement, or insurance special investigations; or
• Zurich Certified Insurance Apprentice (associate degree) and 4 or more years of relevant experience; or
• High school diploma or equivalent and 6 or more years of experience in technical claims investigations, law enforcement, or insurance special investigations; and
• Knowledge of claims processes and relevant fraud regulations.
• Proficiency in Microsoft Office.

• Prior law enforcement investigation experience.
• 5 or more years investigating insurance fraud.
• Special Investigation Unit (SIU) experience preferred.
• Experience investigating commercial claims.
• Experience with both single non‑complex investigations and complex investigations, including multi‑claim linkages, contractor or vendor fraud, or organized fraud networks.

The salary range for this position is $65,900.00 – $, with short‑term incentive bonus eligibility set at 10%. Compensation is based on role, location, skills, and experience. Zurich also offers competitive benefits and may provide bonuses and merit increases.

Zurich in North America does not discriminate based on race, ethnicity, color, religion, national origin, sex, gender expression, gender identity, genetic information, age, disability, protected veteran status, marital status, sexual orientation, pregnancy or other characteristics protected by applicable law. Equal Opportunity Employer disability/vets. Zurich complies with 18 U.S. Code § 1033.