SIU Investigator, Auto Claims

What You’re Applying For We're looking for an experienced SIU Investigator to help protect honest policyholders and keep sophisticated fraud networks from gaming the system — while making sure legitimate claims move fast. You'll join our Claims team at a pivotal moment, bringing specialized investigative expertise to high-risk files as we expand into key markets like Florida and keep pushing the boundaries of what modern fraud detection looks like. We believe three things matter for every role at Lemonade: drive to push through challenges, efficiency that keeps standards high while moving fast, and adaptability that lets you pivot with data and AI insights. These aren't buzzwords, they're how we actually work. Our AI-first approach isn't just a tagline either. We're building the future of insurance with AI at the center, and we need people who are genuinely excited to learn and grow alongside these tools. In this role you'll Lead end-to-end SIU investigations on complex auto claims — Physical Damage, Bodily Injury, and PIP/Medical Payments — with full ownership from referral to resolutionIdentify and dismantle multi-claim fraud networks, staged accident rings, and coordinated medical billing schemes using link analysis and pattern-recognition techniquesApply deep working knowledge of Florida PIP statutes, medical fee schedules, and the 14-day treatment rule to counter state-specific fraud trendsPartner directly with our Data Science and Product teams to test and refine predictive fraud models, feeding real-world case intelligence back into automated detectionInvestigate emerging digital fraud risks — AI-manipulated damage photos, synthetic media, and altered records — using the latest AI tools and digital research platformsSupport EUOs, state fraud bureau referrals, and case strategy alongside claims adjusters and legal counsel What You'll Need 5+ years of dedicated SIU or auto claims investigative experience, with a track record on complex, high-stakes casesDeep Florida PIP and BI expertise — statutes, treatment windows, billing mill fraud, and EUO dynamicsHands-on experience with intelligence platforms like ISO ClaimSearch, Accurint, TLOxp, or LexisNexisProven ability to investigate large-scale, multi-jurisdictional organized fraud rings and billing syndicatesGenuine curiosity about AI — both as an investigative asset and as a fraud threat vector you'll need to stay ahead ofA college degree, preferably in criminal justice, insurance, or a related fieldAbility to work in a remote environment Please note that we are unable to sponsor applicants for work visas. Unfortunately, we cannot consider applicants from these states: Alaska, California, Colorado, Montana, Hawaii, New Mexico and Puerto Rico. Lemonade's US base salary range for this full-time position is $65,000 - $72,500 plus equity + benefits. Our salary ranges are determined by role, level, and location. Within the range, individual pay is determined by work location and additional factors, including job-related skills, experience, and relevant education or training. Our competitive total rewards package includes comprehensive health & wellness coverage, equity, a 401(k) plan with employer match, 20 paid vacation days, and parental leave. Speak to your recruiter to hear more about the specific salary range for your preferred location and our total rewards package. Things to know… Lemonade is an equal opportunity employer committed to diversity and inclusivity. We never discriminate on the basis of race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or other legally protected status. If you require reasonable accommodations due to religious beliefs, pregnancy, or disabilities, let us know at any time.