SIU Specialist

We are looking for an SIU Specialist. In this role, you will use deep SIU and fraud investigation experience to proactively identify emerging fraud trends, complex schemes, and connections across claims, policies, providers, agents, individuals, vehicles, and other entities.

Our perfect candidate understands how sophisticated insurance fraud develops, can recognize patterns that may not be visible within a single claim, and knows how to turn investigative intelligence into actionable leads. This role will partner closely with Data Analytics while remaining rooted in SIU expertise and investigative judgment.

• Proactively identify emerging fraud trends, organized schemes, and suspicious relationships across Root’s book of business
• Develop investigative hypotheses and partner with Data Analytics to evaluate patterns across claims, policies, providers, agents, vehicles, payments, and other related entities
• Validate identified patterns through claim review and investigative research before recommending further action
• Develop high-quality investigative leads involving organized fraud, medical provider fraud, application fraud, agent-related concerns, and other complex schemes
• Gather and evaluate fraud intelligence from NICB, peer carriers, law enforcement, counsel, vendors, and other industry sources
• Review internal controls and relevant employee activity or data to determine whether additional SIU investigation may be warranted
• Translate investigative findings into improvements to referral criteria, claim handling, underwriting controls, training, and fraud prevention efforts
• Provide technical investigative guidance and support complex or multi-claim investigations

• →Minimum of 10+ years of experience in insurance SIU, fraud investigation, or complex investigations
• →Strong knowledge of automobile insurance fraud and organized fraud schemes
• →Experience with either SQL or Python preferred 
• →Demonstrated ability to identify relationships and patterns across multiple claims, policies, people, providers, or businesses
• →Experience partnering with Data Analytics or technical teams to evaluate complex data
• →Strong understanding of laws, statutes, regulations, and investigative practices related to fraud handling
• →Experience with complex medical provider fraud, organized fraud rings, or multi-claim investigations preferredFraud-related certification such as FCLS, CFE, CPCU, or similar preferred

As part of Root's interview process, we kindly ask that all candidates be on camera for virtual interviews. This helps us create a more personal and engaging experience for both you and our interviewers. Being on camera is a standard requirement for our process and part of how we assess fit and communication style, so we do require it to move forward with any applicant's candidacy. If you have any concerns, feel free to let us know once you are contacted. We’re happy to talk it through.

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Consistent with the Americans with Disabilities Act (ADA) and the Civil Rights Act of 1964, it is the policy of Root to provide reasonable accommodation when requested by a qualified applicant or candidate with a disability, unless such accommodation would cause an undue hardship for Root. The policy regarding requests for reasonable accommodation applies to all aspects of the hiring process. If reasonable accommodation is needed, please contact recruiting@joinroot.com.