Senior Investigator

Job Description

Overview

• Company: Co-operators (CGIC)
• Department: National Claims Investigation Services
• Job category: Claims
• Employment type: Regular full-time
• Work model: Remote-based. Posted locations: Toronto, Mississauga, North York and Guelph, Ontario
• Language: English required; French is an asset
• Salary range: $72,847 to $121,411 per year (full range), plus eligibility for incentive programs
• Requisition number: SENIO007017

About the role

Co-operators is a Canadian financial services co-operative. As Senior Investigator, you will investigate and document possible fraud at the application and point-of-sale stage, in underwriting, with vendors and in claims, on moderate to complex auto, property, injury and commercial files. Many cases call for field work, meeting clients, claimants, witnesses, vendors, police, regulators and other insurers’ fraud teams in person to secure documents and statements. You will also support and mentor staff so that claims investigations and loss prevention are resolved promptly and appropriately.

Responsibilities

• Review investigation requests from different sources, decide what investigative work is needed and see it through on time
• Complete safety risk assessments and action plans before field work, and manage de-escalation and personal safety in the field
• Judge the complexity and value of cases and carry out field assignments
• Collect, assess and preserve evidence from internal and external partners
• Visit loss locations to document scenes and gather evidence
• Verify that documents and evidence submitted for policies or claims are genuine
• Record investigation findings and take part in coverage decisions on policies and claims
• Follow all provincial and federal laws on collecting, using and disclosing personal and corporate information
• Help build and deliver training on fraud prevention and claims investigation
• Take part in audits and file reviews to direct investigative resources where they are needed
• Mentor, train and coach Claims Investigators
• Coordinate forensic experts with business partners and make sure they follow service provider guidelines
• Work with external bodies such as IBC’s Investigative Services Division, the Fire Marshal’s Office and law enforcement
• Support a client-focused service culture in day-to-day decisions

Requirements

• Bachelor’s degree; a university degree or college diploma related to civil and criminal investigations is preferred
• CIP or another insurance designation preferred; completed or working towards the CFE designation
• Knowledge of tools such as Salesforce, PolicyCenter, ClaimCenter and BillingCenter is an asset
• 3 years of specialized discipline and investigation experience preferred
• At least 5 years of insurance experience, including at supervisory level (claims adjusting or risk evaluation focused on fraud and loss prevention preferred), or at least 15 years in law enforcement with detailed criminal investigation and intelligence experience

What helps you succeed

• An innovative, client-focused mindset and the ability to drive change
• Strong critical thinking and problem-solving skills
• Clear communication and openness to different points of view
• Building trusted relationships and supporting colleagues’ development

Good to know

• The successful candidate must pass a background check.

Benefits

• Training and career development
• Flexible work options and paid time off
• Physical and mental health programs and a supportive culture
• Paid volunteer days
• Competitive salary and incentive programs, group retirement savings, pension, health, dental, disability and life coverage, mental health support and an employee assistance program

Salary

The expected range is $72,847 to $121,411 (minimum to maximum). Co-operators sets the final salary based on factors such as local market conditions, location, knowledge, skills, qualifications, experience and education. Employees may also earn incentive pay tied to individual or business performance.