Bilingual SIU Field Investigator

Job Summary

The SIU Field Investigator is responsible for leading field-based investigations throughout South Florida, with a primary focus on Florida PIP-related fraud, including staged accidents, injury claims, and medical clinic activity. This role involves the end-to-end handling of suspicious claims, utilizing a variety of investigative techniques to identify fraud, mitigate loss, and support claim resolution.

The Investigator will operate with a high level of autonomy in the field, conducting in-person investigations, recorded statements, and Examinations Under Oath (EUOs), while partnering closely with claims and legal teams. This position is well-suited for SIU professionals looking to expand their experience in complex PIP investigations and deepen their field expertise.

As we continue to build and expand our SIU presence in South Florida, this role offers strong potential for growth into Senior and leadership positions for high-performing individuals.

Only candidates who are bilingual in English and Spanish or English and Haitian Creole and currently reside in Northern Miami-Dade County or Broward County, will be considered for this opportunity. This role requires regular field travel throughout South Florida.

Job Responsibilities

• Conduct field-based investigations on suspicious bodily injury and property damage claims, with a strong emphasis on Florida PIP exposure
• Lead and participate in Examinations Under Oath (EUOs), including preparation, documentation, and coordination with legal counsel
• Investigate potential fraud schemes, including staged accidents, medical clinic activity, and organized fraud patterns
• Perform in-person interviews, recorded statements, scene inspections, and neighborhood canvasses as part of active investigations
• Independently manage assigned investigations from referral through resolution, including evidence development and reporting
• Document investigative findings clearly and thoroughly within claim systems and written reports
• Partner with Claims, Legal, and external stakeholders to support claim decisions and litigation as needed
• Identify and report suspicious activity to the Department of Insurance (DOI) in accordance with regulatory requirements
• Provide guidance and training to internal teams on identifying potentially fraudulent claims
• Maintain and leverage relationships with SIU peers, law enforcement, attorneys, and industry contacts
• Stay current on Florida statutes, PIP regulations, and emerging fraud trends within the South Florida market
• Meet individual performance goals and maintain consistent communication with leadership

Job Qualifications

• Bachelor’s degree or equivalent work experience required​carrier or similar environment
• Minimum of 5 years of SIU or investigative experience within a P&C insurance
• Direct experience with Florida PIP claims, bodily injury investigations, and medical clinic investigations required
• Prior experience conducting or supporting EUOs strongly preferred
• Property damage investigative experience is a plus

Skills & Competencies

• Bilingual in English and Spanish or English and Haitian Creole (required)
• Active Florida Adjuster’s License required prior to start date
• Ability to obtain Florida Notary (including Remote Online Notary) within 30 days
• Strong understanding of Florida PIP regulations, fraud indicators, and investigative techniques
• Ability to work independently in a field-based, fast-paced environment
• Strong written and verbal communication skills, including report writing and stakeholder communication
• Proficient in claims systems, investigative tools, and general PC applications
• Demonstrated professionalism, sound judgment, and integrity in handling sensitive investigations
• Ability and willingness to travel regularly throughout Miami-Dade and Broward County