Claims SIU Investigator

Turo’s Claims Special Investigations Unit (SIU) Investigator role focuses on investigating potentially fraudulent, suspicious, or misrepresented claims to reduce financial loss and protect the integrity of Turo’s marketplace. This position evaluates evidence, identifies fraud patterns, and provides findings that support claim, protection, recovery, and account action decisions.

Responsibilities

• Investigate claims involving suspected fraud, material misrepresentation, policy violations, organized activity, or significant financial exposure.
• Review claim files, supporting documents, damage evidence, account activity, and other available information to determine whether a claim is eligible for protection.
• Conduct interviews and gather evidence from hosts, guests, repair facilities, vendors, witnesses, and other relevant parties.
• Document investigative findings and maintain complete, accurate, and timely claim file records.
• Analyze claims and account data to identify patterns, connections, repeat behaviors, suspicious repair facilities, organized fraud networks, and emerging fraud trends.
• Refer appropriate matters for expanded investigation, account action, recovery, or criminal investigation.
• Develop and maintain partnerships with the National Insurance Crime Bureau (NICB), law enforcement agencies, state fraud bureaus, industry organizations, and other external investigative partners.
• Prepare referrals, respond to requests for information, and coordinate on matters involving suspected criminal activity or organized fraud.
• Partner with Claims, Trust and Safety, Legal, Risk, Estimatics, Total Loss, and other internal teams to provide investigative findings and recommendations that support claim decisions, financial loss prevention, recoveries, and marketplace protections.
• Prepare investigative reports, track prevented and recovered losses, and present significant findings to leadership.

Requirements

• 3+ years of experience in insurance claims, special investigations, fraud investigations, law enforcement, risk management, or a related field.
• Strong investigative, analytical, and problem-solving skills, including the ability to evaluate complex information, identify inconsistencies, and reach evidence-based conclusions.
• Knowledge of insurance claims, fraud indicators, investigative methods, evidence preservation, and applicable regulatory and reporting requirements.
• Ability to identify organized fraud, staged losses, material misrepresentation, document manipulation, and suspicious behavioral or financial patterns.
• Excellent verbal and written communication skills, including the ability to conduct interviews, prepare investigative reports, and clearly communicate findings.
• Ability to build and maintain effective working relationships with NICB, law enforcement agencies, state fraud bureaus, vendors, and other industry partners.
• Excellent organizational skills and attention to detail, with the ability to manage multiple investigations and meet established deadlines.
• Ability to handle sensitive and confidential information with discretion.
• Ability to collaborate effectively with internal business partners and provide clear, evidence-based recommendations.
• Ability to function effectively in a fast-paced and at times stressful environment.
• Proficiency with Microsoft Office Suite, Google Workspace, claims management systems, fraud detection tools, public record databases, or related software.
• Demonstrates Turo’s operating principles through work product and within day-to-day team interactions.

Preferred Qualifications

• Experience investigating auto physical damage, total loss, theft, staged losses, document manipulation, repair facility fraud, or organized fraud.
• Experience working with NICB, law enforcement agencies, state fraud bureaus, or other industry investigative organizations.
• Bachelor’s degree in criminal justice, business, insurance, or a related field, or equivalent relevant professional experience.
• Professional designation or certification such as Certified Fraud Examiner (CFE), Certified Insurance Fraud Investigator (CIFI), Fraud Claims Law Specialist (FCLS), or a comparable credential.

Pay

For this role, the target base salary range in Phoenix is $70,000 - $80,000 annually. This role is also eligible for equity and benefits.

Schedule

This role will be in-office on a hybrid schedule — employees are expected to work in the office 3 days per week on Mondays, Wednesdays, and Thursdays.

Benefits

• Competitive salary, equity, and benefits for all full-time employees.
• Employer-paid medical, dental, and vision insurance (country-specific).
• Retirement employer match.
• Learning & Development stipend to invest in your professional development.
• Turo host matching program.
• Turo travel credit.
• Cell phone and internet stipend.
• Paid time off to relax and recharge.
• Paid holidays, volunteer time off, and parental leave.
• For those who are in the office full-time or hybrid: in-office lunch, office snacks, and fun activities.