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Independent Contractor Insurance Fraud Investigator Jobs

Global Credit Union

Fraud Investigator I

Anchorage, AK · On-site

$69K - $112K/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 ...

Government of the Virgin Islands

$45K - $47K/yr

Informs customers of the Fraud Investigative Process at initial interview to advise customers of ... An employee in this class is expected to work independently and make sound and responsible ...

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How much do independent contractor insurance fraud investigator jobs pay per hour?

As of Sep 8, 2026, the average hourly pay for independent contractor 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 the difference between Independent Contractor Insurance Fraud Investigator vs Insurance Claims Adjuster?

AspectIndependent Contractor Insurance Fraud InvestigatorInsurance Claims Adjuster
CredentialsRelevant certifications (e.g., CIFI), investigative trainingAdjuster licenses, certifications (e.g., AIC, CPCU)
Work EnvironmentField investigations, interviews, surveillanceOffice-based, claims assessment, on-site inspections
Employer & IndustryInsurance companies, third-party investigatorsInsurance companies, public adjusters
Search & Comparison IntentFraud detection, investigative rolesClaims processing, settlement

While both roles involve working within the insurance industry, Independent Contractor Insurance Fraud Investigators focus on detecting and investigating insurance fraud through fieldwork and interviews. Insurance Claims Adjusters primarily evaluate and settle claims, often working in office settings. Understanding these differences helps job seekers identify the right career path based on their skills and interests.

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Independent Contractor Insurance Fraud Investigator jobs near you

Fraud Investigator IV

Pensacola, FL • On-site

Navy Federal Credit Union
Finance and Insurance • 10K+ employees
Learn more about Navy Federal Credit Unionexternal

Full-time

This job post has expired today. Applications are no longer accepted.

Navy Federal Credit Union rating

8.1

Company rating: 8.1 out of 10

Based on 276 frontline employees who took The Breakroom Quiz

65th of 154 rated financial services

Job description


To identify, review, investigate fraud activity, claims/cases and risk exposures from various delivery channels. Review transactional activities, internal/external inquiries, and perform investigations to protect Navy Federal and its members' financials and assets, and control and mitigate potential fraud loss. Ensure adherence to applicable federal and state laws, rules and regulations. Work is performed under general direction. Perform more complex/unusual tasks with moderate latitude and increased impact.
Responsibilities
  • Investigate various types of transactions/activities/cases (e.g., ID Theft and Synthetic ID, Check Fraud, Account Takeover fraud) including reported or alleged loss of assets from various business channels
  • Respond to inquiries using various communication venues (including inbound telephone calls) to provide explanation for action taken in response to a specific alert or case
  • Communicate with internal and external customers on fraud and security issues, problem resolution, account information and investigations
  • Collect evidence and related documentation via available systems and methods; ensure chain of evidence/documentation is maintained in accordance with federal and state laws, rules, regulations and Navy Federal's policies and procedures
  • Review data gathered to substantiate/disqualify a loss claim or charge off, and escalate as needed
  • Research public record databases to identify, analyze and verify information related to primary investigations, validation reviews, discrepancies associated with information provided, and assess potential fraud risk
  • Create detailed reports of investigations to include actions taken and results
  • Prepare and maintain data for analysis and reference
  • Detect fraud trends, red flags and recommend preventive measures to business units and management
  • Monitor timeline from identification/notification of fraudulent activity to closure, ensuring service level agreements and regulatory requirements are met
  • Collaborate with other business units to gain an understanding of transactions, processes and procedures, their impact on other business units processes and procedures, and identify risk potential for fraudulent activity
  • Identify risk exposure/fraud activity, and recommend restorative/control action (e.g., freezing accounts, contacting/alerting members or appropriate internal/external security/financial personnel, adding restrictions or fraud alerts or holds to members accounts)
  • Determine if suspicious activities are caused by processing errors requiring corrections and/or recommending to management changes to business policies and/or processes to prevent reoccurrence
  • Support projects related to fraud detection, prevention or root analysis
  • Involved in driving continuous process improvement to increase member experience quality; reduce losses; minimize financial risk and maintain high operational efficiency
  • Maintain knowledge of applicable federal and state laws, rules, regulations, and Navy Federal policies and procedures
  • Lead training and development of junior-level staff, as needed
  • Use subject matter expertise to identify and implement training enhancements
  • Act as liaison between training team and fraud operations
  • Performs other duties as assigned

Qualifications
  • Expert knowledge of applicable federal and state laws, rules and regulations (e.g., Bank Secrecy Act, USA Patriot Act, and OFAC regulations)
  • Expert knowledge of fraud trends and threats
  • Advanced investigative interviewing skills
  • Extensive experience in member/customer service, preferably in a financial institution or contact center
  • Extensive experience in applying various analytical techniques used in determining and resolving fraud and identity theft in transactions and membership applications
  • Extensive experience working with all levels of staff, management, stakeholders, vendors
  • Expert skill managing multiple priorities independently and/or in a team environment to achieve goals
  • Expert skill determining "Intent" and "No Intent" scenarios
  • Expert skill in identifying and responding to Red Flags (e.g., Known Fraud Patterns, Check Image Details, Membership Specific Info, etc.)
  • Expert skill assimilating information, analyzing facts, and developing logical conclusions
  • Expert skill interpreting and synthesizing large amounts of information
  • Expert skill exercising initiative and using good judgement to make sound decisions
  • Expert skill identifying and analyzing business requirements and recommending solutions
  • Expert organizational, planning and time management skills
  • Expert investigative, research, analytical, and problem solving skills
  • Expert skill following, interpreting, and applying relevant data/instructions to guidelines, procedures, practices, and regulations
  • Expert active listening skills to accurately respond to inquiries and account requests
  • Expert skill building relationships through rapport, trust, diplomacy and tact
  • Expert skill to influence, negotiate, and persuade to reach agreeable exchange and positive outcomes
  • Expert verbal and written communications skills
  • Expert word processing, spreadsheet, and presentation software skills
  • Bachelor's degree in Business Administration, Criminal Justice, Finance, or related field, or the equivalent combination of education, training, and experience

Desired Qualifications
  • Master's degree in Business Administration, Criminal Justice, Finance, or related field
  • Working knowledge of cyber fraud tactics, techniques and procedures and cyber threat evaluation
  • Familiarity with Navy Federal products, services, programs, policies, and procedures

Additional Information
Hours:
  • Monday - Friday, 8:00AM - 4:30PM

Location:
  • 5550 Heritage Oaks Dr. Pensacola, FL 32526

About Us
Navy Federal provides much more than a job. We provide a meaningful career experience, including a culture that is energized, engaged and committed; and fierce appreciation for our teams, who are rewarded with highly competitive pay and generous benefits and perks.
Our approach to careers is simple yet powerful: Make our mission your passion.
  • FORTUNE 100 Best Companies to Work For® 2025
  • Yello and WayUp Top 100 Internship Programs
  • Computerworld® Best Places to Work in IT
  • Newsweek Most Loved Workplaces
  • 2025 PEOPLE® Companies That Care
  • Newsweek Most Trustworthy Companies in America
  • Military Times 2025 Best for Vets Employers
  • Best Companies for Latinos to Work for 2025
  • Forbes® 2025 America's Best Large Employers
  • Forbes® 2025 America's Best Employers for New Grads
  • Forbes® 2025 America's Best Employers for Tech Workers
  • 2025 RippleMatch Campus Forward Award Winner for Overall Excellence
  • Military.com Top Military Spouse Employers 2025
  • 2025 Handshake Early Talent Award

From Fortune. ©2025 Fortune Media IP Limited. All rights reserved. Used under license. Fortune and Fortune Media IP Limited are not affiliated with, and do not endorse products or services of, Navy Federal Credit Union.
Equal Employment Opportunity: All qualified applicants will receive consideration for employment without regard to age, race, sex, color, religion, national origin, disability, veteran status, pregnancy, sexual orientation, genetic information, gender identity or any other basis protected by applicable law.
Accommodations: If you need accommodation or assistance for a qualifying condition to complete the online application (or during any stage of the hiring process), you can contact Navy Federal's Medical Accommodations team at medicalaccommodations@navyfederal.org or by calling 1-888-503-6013. This team cannot provide any information on job postings or application status.
Disclaimers: Navy Federal reserves the right to fill this role at a higher/lower grade level based on business need. An assessment may be required to compete for this position. Job postings are subject to close early or extend out longer than the anticipated closing date at the hiring team's discretion based on qualified applicant volume. Navy Federal Credit Union assesses market data to establish salary ranges that enable us to remain competitive. You are paid within the salary range, based on your experience, location and market position. For additional details regarding compensation and benefits, review the Benefits page of the Navy Federal Career Site.
Protect Yourself from Job Scams: Navy Federal Credit Union jobs are posted on our career site, jobs.navyfederal.org and reputable job boards (e.g., LinkedIn, Indeed). We do not post jobs on social media marketplaces, messaging apps or unverified websites. We will never ask candidates for payment, bank details or personal financial information during the hiring process.
Bank Secrecy Act: Remains cognizant of and adheres to Navy Federal policies and procedures, and regulations pertaining to the Bank Secrecy Act.

What Navy Federal Credit Union employees say

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About Navy Federal Credit Union

Sourced by ZipRecruiter

Navy Federal Credit Union, based in Vienna, Virginia, United States, is a significant player in the financial services industry. Their official website is navyfederal.org. With its roots dating back to 1933, it was initially established to provide credit to Navy members. Over the years, Navy Federal has magnified its scope, evolving into a full-service credit union serving all branches of the military, the Department of Defense, veterans, and their families. The company’s core values include integrity, service, education, and leadership. Navy Federal aims to be the most preferred and trusted financial institution serving the military and their families.

Industry

Finance and insurance

Company size

10,000+ Employees

Headquarters location

Vienna, VA, US

Year founded

1933

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