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Freelance Insurance Fraud Investigator Jobs (NOW HIRING)

APGFCU

Fraud Investigator

Edgewood, MD · On-site

As a Fraud Investigator, you'll play a critical role in protecting APGFCU, our members, and our ... insurance providers, and industry partners to investigate cases, recover losses, support ...

Maine

Fraud Investigator

Portland, ME · On-site

$22.91 - $31.97/hr

As a Fraud Investigator you will: * Investigate and prepare cases of alleged public assistance ... Health Insurance Coverage - The State of Maine pays 85%-95% of employee-only premiums ($12,213.60 ...

State of Maine

Fraud Investigator

Portland, ME · On-site

$22.91 - $31.97/hr

As a Fraud Investigator you will: * Investigate and prepare cases of alleged public assistance ... Health Insurance Coverage - The State of Maine pays 85%-95% of employee-only premiums ($12,213.60 ...

Legacy Management Solutions, LLC

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ACE Fraud Investigator

Detroit, MI · On-site

$28 - $35/hr

Health insurance * Paid time off Education: Bachelor's degree required Experience: Fraud Investigation - 1 year required Ability to Commute: Detroit, MI 48226 required Company Description Our Company ...

TikTok

Fraud Investigator

San Jose, CA · On-site

$121K - $208K/yr

Responsibilities - Conduct investigations of policy violations, data leakage, fraud and financial ... Employees have day one access to medical, dental, and vision insurance, a 401(k) savings plan with ...

Shell FCU

Fraud Investigator

Deer Park, TX · On-site

$60 - $80/hr

Conducts investigations into suspicious activity, including but not limited to scams, check/wire/ACH/card fraud, identity theft, insurance fraud, account takeovers, electronic crimes and elder abuse.

SCCU

Fraud Investigator I

Miramar, FL · On-site

$28.13 - $29.79/hr

As a Fraud Investigator I, you will help protect the credit union and its members by investigating ... Medical, dental, and vision insurance, plus an Employee Assistance Program. * Financial Perks ...

SCCU

Fraud Investigator I

Melbourne, FL · Hybrid

$28.13 - $29.79/hr

As a Fraud Investigator I, you will help protect the credit union and its members by investigating ... Medical, dental, and vision insurance, plus an Employee Assistance Program. * Financial Perks ...

SCCU

Fraud Investigator I

Melbourne, FL · On-site

$28.13 - $29.79/hr

As a Fraud Investigator I, you will help protect the credit union and its members by investigating ... Medical, dental, and vision insurance, plus an Employee Assistance Program. * Financial Perks ...

SCCU

Fraud Investigator I

Miramar, FL · Hybrid

$28.13 - $29.79/hr

As a Fraud Investigator I, you will help protect the credit union and its members by investigating ... Medical, dental, and vision insurance, plus an Employee Assistance Program. * Financial Perks ...

Global Credit Union

Fraud Investigator I

Anchorage, AK · On-site

$63K - $99K/yr

Conduct investigations into fraud claims related to online transactions, pre-authorized drafts ... Work in partnership with BSA, Legal, Compliance, Operations, the credit union's insurer, and other ...

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Freelance Insurance Fraud Investigator information

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$15

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$53

How much do freelance insurance fraud investigator jobs pay per hour?

As of Sep 7, 2026, the average hourly pay for freelance insurance fraud investigator in the United States is $30.83, according to ZipRecruiter salary data. Most workers in this role earn between $22.12 and $35.34 per hour, depending on experience, location, and employer.

What is a freelance insurance fraud investigator?

Freelance insurance fraud investigators are professionals who work independently to examine and verify insurance claims for potential fraud. They are hired by insurance companies, law firms, or private clients to gather evidence, conduct interviews, and analyze documents related to suspicious claims. Unlike investigators employed by a single company, freelancers take on assignments from multiple clients and have greater flexibility in their work. Their goal is to uncover fraudulent activities and help ensure that legitimate claims are paid appropriately.

What are the key skills and qualifications needed to thrive as a freelance insurance fraud investigator?

To thrive as a Freelance Insurance Fraud Investigator, you need a solid background in investigative techniques, insurance policies, and legal compliance, often supported by a degree in criminal justice or relevant certification. Familiarity with case management software, surveillance equipment, and public records databases is typically required. Strong analytical thinking, attention to detail, and effective communication skills set top performers apart in this field. These competencies are crucial for accurately identifying fraudulent claims, maintaining professional integrity, and delivering thorough, credible findings to clients.

What are some common challenges freelance insurance fraud investigators face when managing multiple cases independently?

Freelance insurance fraud investigators often juggle several cases at once, which can make time management and organization particularly challenging. Unlike investigators employed by a single firm, freelancers must independently coordinate with clients, manage documentation, and stay on top of legal compliance for each case. Additionally, freelancers are responsible for their own resources, such as surveillance equipment and secure data storage. Building reliable relationships with insurance companies and law enforcement agencies is also essential for effectively gathering information and concluding investigations.

What is the difference between Freelance Insurance Fraud Investigator vs Insurance Claims Adjuster?

AspectFreelance Insurance Fraud InvestigatorInsurance Claims Adjuster
CredentialsRelevant certifications (e.g., CPCU, CFE), investigative experienceAdjuster licenses, certifications (e.g., AIC, CPCU)
Work EnvironmentIndependent, remote or on-site investigationsInsurance company offices, on-site inspections, remote work
Employer & IndustryInsurance companies, law firms, independent clientsInsurance companies, public agencies
Primary FocusDetecting insurance fraud, gathering evidenceEvaluating claims, determining coverage and settlement

While both roles involve insurance and investigative skills, Freelance Insurance Fraud Investigators focus on uncovering fraudulent claims independently, whereas Insurance Claims Adjusters handle claim evaluations and settlements for insurance companies. The former emphasizes fraud detection, often working freelance or contract-based, while the latter is employed directly by insurers to process claims.

More about Freelance Insurance Fraud Investigator jobs

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Cities with the most Freelance Insurance Fraud Investigator job openings:

What are the most commonly searched types of Insurance Fraud Investigator jobs?

The most popular types of Insurance Fraud Investigator jobs are:

What states have the most Freelance Insurance Fraud Investigator jobs?

States with the most job openings for Freelance Insurance Fraud Investigator jobs include:

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The top searched job categories for Freelance Insurance Fraud Investigator jobs are:

Freelance Insurance Fraud Investigator jobs near you
Infographic showing various Freelance Insurance Fraud Investigator job openings in the United States as of August 2026, with employment types broken down into 100% Full Time. Highlights an 67% In-person, and 33% Remote job distribution, with an average salary of $64,132 per year, or $30.8 per hour.

Fraud Investigator

SHELL FEDERAL CREDIT UNION

Deer Park, TX • On-site

Full-time

Posted 16 days ago

Job description

Schedule Hours:
M - F: 10:00 AM - 7:00 PM
Saturday's: 9:00 AM - 3:00 PM (Minimum two Saturdays a month)
The Fraud Investigator aides the Operations Department in all areas of fraud mitigation and loss prevention in accordance with Shell FCU's policies and procedures.
Essential Job Duties and Responsibilities
  • Consistently meets all Shell FCU Service Commitments; Shell FCU Employee Creed and Shell FCU Service Distinctions.
  • Maintains a strong knowledge of the financial industry and complies with all applicable rules and regulations required within the scope of duties, including, but not limited to, the Bank Secrecy Act and the Uniform Commercial Code.
  • Attends annual and on-demand training sessions as instructed or scheduled.
  • Performs job duties and responsibilities in compliance with SFCU policies, procedures, philosophy, and standards of performance.
  • Completes all assigned projects in an effective and professional manner.
  • Possesses strong time management skills and consistently meet deadlines.
  • Monitors system queues in the fraud monitoring/anti-money laundering software Verafin to identify high risk transactions within the membership portfolio.
  • Conducts investigations into suspicious activity, including but not limited to scams, check/wire/ACH/card fraud, identity theft, insurance fraud, account takeovers, electronic crimes and elder abuse.
  • Tracks and documents investigations in Verafin case management system.
  • Refers more complex fraud and BSA/AML alerts to the appropriate team members of the Operations Department.
  • Files Suspicious Activity Reports in Verafin as needed.
  • Regularly communicates findings to the Fraud Analyst/Internal Auditor/VP of Operations.
  • Investigates member transactions to identify fraudulent activity such as account takeover, friendly fraud, identity theft or other similar risks.
  • Interacts with credit union employees and members in order to validate information while researching suspected fraud scenarios.
  • Communicates with members by phone or email to validate account activity.
  • Determines existing fraud trends by the analysis of accounts and transaction patterns.
  • Utilizes external resources that identify nationwide and global fraud trends and communicate this information to the Fraud Analyst and/or VP of Operations. Evaluates and recommends improvements of all corporate-wide systems in order to enhance the credit union's fraud prevention program.
  • Recommends mitigation solutions affecting various areas/departments.
  • Works with the Internal Auditors to assist in money laundering investigations to provide a fraud perspective when needed.
  • Assists in the development and implementation of automated fraud detection and real-time decisioning strategies.
  • Acts as a primary resource for internal employees in the areas of fraud and loss prevention.
  • Must be able to work independently with little assistance or supervision.
  • Must be able and willing to work a minimum of 40 hours per week plus overtime as needed.
  • Must be able and willing to work and/or travel to any of our office locations as needed within a 75-mile radius.
  • Must be able to travel to and attend job-related conferences and training, both local and out of state.
  • Performs additional duties as assigned.

Shell Federal Credit Union is an equal opportunity and an affirmative action employer and committed to providing equal opportunity for all employees and applicants for employment, without regard to race, religion, color, sex, sexual orientation, gender identity, national origin, age, citizenship status, marital status, protected veteran status, mental and/or physical disability, pregnancy, or any basis prohibited by State or Federal law.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Knowledge and Skills
Experience:
A minimum of one-year financial institution experience in the areas of lending and operations or one year working in an investigative capacity in an unrelated field.
Education / Training:
High school diploma or general education degree (GED). Some college experience preferred.
Job Requirements:
  • Must possess exceptional investigative skills and a data-driven mindset.
  • Possess exceptional written and verbal communication skills using tact and to reach an objective.
  • Possess a highly positive, member-service oriented attitude and the ability to anticipate member needs.
  • A significant level of trust, diplomacy, and confidentiality is required, in addition to normal courtesy and tact.
  • Work involves extensive personal contact with others and/or can be of a personal or sensitive nature.
  • Work involves motivating or influencing others.
  • Maintain a high level of knowledge and procedural expertise in credit union products, services, and promotions.
  • Perform all work within established policies and procedures.
  • Ability to work in an open-concept workspace/environment.

Physical Demands:
While performing the duties of this job, the employee is regularly required to bend and stand. May at times be able to lift, carry and/or move up to 15 pounds.
Working Conditions
Exposure to potential hazardous conditions-robbery. Employees are to receive detailed instructions and procedures to be followed to minimize risk.
In accordance with the American with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.
This Job Description is not a complete statement of all duties and responsibilities comprising this position. Job descriptions are not intended and do not create employment contracts. The organization maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law.
This organization uses E-Verify® in its hiring practices to achieve a lawful workforce.

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