Insurance Claims Representative

Overview At Community Financial System, Inc. (CFSI), we are dedicated to providing our customers with friendly, personalized, high-quality financial services and products. Our retail division, Community Bank, N.A., operates more than 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts. Beyond retail banking, we also offer commercial banking, wealth management, investment management, insurance and risk management, and benefit plan administration.Just as our employees are committed to helping our customers manage their finances, we're committed to our employees. After all, they make it happen for our customers every day.To ensure our people can enjoy long and successful careers here at CFSI, we offer competitive compensation, great benefits, and professional development and advancement opportunities. As an equal-opportunity workplace and affirmative-action employer, we celebrate and support a diverse workplace for the benefit of all: our employees, customers and communities. Responsibilities The major responsibility for an Insurance Claims Representative is assisting the department with manners regarding the company's credit insurance programs and claims.Essential Responsibilities Process Life and Disability Insurance claimsProcess Life and Disability Insurance proceeds received from an internal or external insurance carrierPerform next day verification of Life and Disability payments to ensure they were keyed to the customer's account correctlyProcess Total Loss claimsVerify GAP coverage after a Total Loss and file the GAP claim. Process GAP refunds/issue checksProcess Total Loss proceeds issued by auto insurance companies Process collision/repair checks issued by auto insurance companiesPerform next day verification of Total Loss and/or collision repair payments to ensure they were keyed to the customer's account correctlyProcess cancellations on Total Losses for back-end products (i.e. Dealer Warranties)Prepare and send Customer Balance LettersCoordinate and process loan payoff requestsProcess the necessary lien and/or title releasesHandle account researches, credit disputes, and/or assist with customer complaints. Cut and issue checks to applicable partiesCorrespond to and provide necessary documentation to third party companies including customers, physician offices, auto insurance companies, GAP insurance carriers, and dealership representatives to ensure all available monies or refunds are requested and paid in a timely mannerAdd and remove insurance codes on accounts accordingly to reflect the current account/claim statusPerform next day verification of the addition or removal of insurance codesAssist with collection efforts on delinquent accounts with pending/active insurance claims Effectively communicate and cooperate with other Bank departments and personnel regarding accounts with insurance claimsThoroughly document accounts detailing the action taken, information needed, and/or next steps Perform daily and monthly balancing and reconciliation of general ledger accountsContinuously cross train on other functions as needed or requested Assist the Direct Lending Manager with tasks, reports, or projects Assist the Direct Operations Supervisor with tasks, reports, or project.Perform multiple queue verifications within the Consumer Loan platform to ensure all loans with open/active insurance claims are worked in a timely and regulatory mannerAssist with updating procedures as neededAssist with and absorb additional insurance claim related functions resulting from a merger/acquisitionProvide quality service to coworkers, customers, third party vendors, insurance companies, etc.Other duties as assigned or directedMaintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations appl