Chubb is the world's largest publicly traded property and casualty insurer. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. The company is distinguished by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength, underwriting excellence, superior claims handling expertise and local operations globally.
As a critical part of the Workers Compensation & Casualty Claim discipline, this position is responsible for collaborating with internal and external colleagues to:
Analyze first reports of loss, underlying file material, and/or underwriting file, to determine if claim is suspect or potentially fraudulent
Conduct a complete, in-depth investigation to develop sufficient evidence to determine the claim handling decision
Recommend a final course of Claim action- substantiation of legitimate claim, or denial of an unjustified claim, and/or a recommendation of further punitive action to successfully execute the above.
Collaborating and communicating with the following during the investigation: Claim Department, Claim Operations, Loss Control Department, Underwriting Departments, Agents Counsel, Insured's and/or their Legal Representatives, National Fraud Manager, Law Enforcement, Regulatory Agencies, and Industry Anti-Fraud Organizations
Developing and maintaining excellent relationships with all of the above
Ensuring strong customer service and relations at all times
Managing (selecting, directing, employing, and maintaining) private investigator panel of independent contractors and other vendors for quality and cost effective results
Maintaining and monitoring an active diary, properly documenting all developments in claim file, preparing investigative reports, maintaining suspicious claim database, and preparing reports on a quarterly basis to supervisors
Being familiar with and appropriately adhering to fraud statutes
Actively pursuing memberships in professional anti-fraud investigative organizations and participating in associated training and events offered
Training and influencing Claim, Loss Control and Underwriting colleagues as well as Insured's to detect and prevent insurance fraud
Adhering to Chubb service standards, Chubb code of professional conduct, statutory regulations, and Unfair Claims Practice Acts
Ensuring the character and reputation of an insured, claimant, or other party is positively maintained- not maligned or criticized as well as ensuring that investigations have a clear, single focused intent of uncovering and providing necessary facts to expeditiously resolve a claim in a quality manner
Strong expertise in suspect claim identification and handling
High level of acumen in the areas of investigation, listening, strategic/analytical thinking, problem solving, and innovative thinking
Strong knowledge of general industry trends and legislative activities in regard to fraudulent claim handling, tort reform, fraud statutes, and civil/criminal procedures
Clear interest in and quality execution of "deeper" level investigations
Strong interpersonal/ relationship skills- proven ability to build and maintain excellent customer relationships in all situations; success with being a positive "face" to customers; ability to investigate through relationships; acumen to build and maintain successful relationships with internal colleagues as well as local law enforcement, attorney general employees, and insurance bureaus
Highly proficient collaboration expertise- ability to work with a diverse team of internal and external colleagues to successfully complete an investigation and provide superior customer service
Desire and acumen for training and influencing others in respect to the execution of an investigation and how to identify fraud proactively: Examiners, Underwriters, Producers, Customers, Loss Control, etc.
Excellent verbal and written communication skills
Ability and desire to work with confidence, autonomy, initiative, and ambition
High level of dependability, accountability, and integrity
College degree preferred
Law enforcement experience a plus; prior Workers Compensation & Casualty SIU investigation experience or Workers Compensation or Casualty claims background a plus
Chubb strives to offer a diverse and inclusive and rewarding work environment. Teamwork and mutual respect are central to how Chubb operates and we believe the best solutions draw upon diverse perspectives, experiences and skills. We operate in such a way where everyone, regardless of their singular background has the opportunity to contribute to our collective success.
Chubb offers a competitive compensation package and comprehensive benefits package including life, health and dental, vision, a generous retirement savings plan, disability coverage, stock purchase plan, flexible spending accounts, tuition reimbursement, and business casual dress. At Chubb, we are committed to equal employment opportunity and compliance with all laws and regulations pertaining to it. Our policy is to provide employment, training, compensation, promotion, and other conditions or opportunities of employment, without regard to race, color, religion, age, sex, sexual orientation, transgender, national origin, disability, genetic information, veteran or marital status, or any other characteristic protected by law.