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Insurance Fraud Investigator Jobs (NOW HIRING)

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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 ...

company964

Fraud Investigator I

Rocky Mount, NC · On-site

Our Fraud Investigators play a critical role in identifying suspicious activity, investigating ... Comprehensive medical, dental, and vision insurance * Retirement savings plans with company match

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

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 · 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 ...

Global Credit Union

Fraud Investigator I

Anchorage, AK

$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 ...

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Insurance Fraud Investigator information

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How much do insurance fraud investigator jobs pay per hour?

As of Aug 25, 2026, the average hourly pay for 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 does an insurance fraud investigator do?

As an insurance fraud investigator, your job is to investigate an insurance claim on behalf of your firm to determine whether or not fraud has occurred in any given case. In this role, you may examine the damaged property, coordinate with law enforcement, interview the claimant, and gather information about any casualty that's occurred. Insurance fraud is a crime, but most fraud investigators are not police officers, and you are not expected to arrest fraudsters. Instead, you may be asked to write up a report summarizing your findings and send it to a law enforcement agency. Insurance fraud investigators frequently travel to examine claim sites in person, and you may be asked to do so on short notice.

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

To thrive as an Insurance Fraud Investigator, you need strong analytical skills, attention to detail, and a background in criminal justice or a related field, often supported by a bachelor's degree. Familiarity with case management software, data analysis tools, and knowledge of legal regulations and investigative procedures is typically required, and certifications like CIFI (Certified Insurance Fraud Investigator) can be advantageous. Excellent communication, critical thinking, and interpersonal skills help build trust, conduct thorough interviews, and present findings effectively. These skills are crucial for detecting fraudulent activity, ensuring accurate claims processing, and protecting company resources.

What are some common challenges faced by insurance fraud investigators in their daily work?

Insurance Fraud Investigators often encounter challenges such as distinguishing between legitimate and fraudulent claims, managing heavy caseloads, and keeping up with evolving fraud tactics. They must remain objective and detail-oriented while conducting interviews and gathering evidence, sometimes under tight deadlines. Working collaboratively with law enforcement, attorneys, and claims adjusters is also essential, requiring strong communication and interpersonal skills.

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

AspectInsurance Fraud InvestigatorClaims Adjuster
Required CredentialsTypically requires a background in criminal justice, law enforcement, or related certificationsRequires insurance licenses and sometimes adjuster certifications
Work EnvironmentInvestigates suspected fraud cases, often in an office or field settingEvaluates insurance claims, interacts with claimants, and assesses damages
Employer & Industry UsageEmployed by insurance companies, law enforcement, or specialized fraud unitsEmployed by insurance companies, public agencies, or independent adjusting firms

Insurance Fraud Investigators focus on detecting and preventing fraudulent claims, often working in investigative or law enforcement settings. Claims Adjusters handle the assessment and processing of insurance claims, ensuring proper payout. While both roles are vital in the insurance industry, their primary functions, credentials, and work environments differ significantly.

How much do insurance fraud investigators earn?

Insurance fraud investigators typically earn a median annual salary of around $50,000 to $70,000, depending on experience, location, and employer. Advanced skills, certifications, and investigative tools can lead to higher earnings in this field.
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Insurance Fraud Investigator jobs near you
Infographic showing various Insurance Fraud Investigator job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 73% Full Time, 20% Part Time, and 6% Contract. Highlights an 85% Physical, 1% Hybrid, and 14% Remote job distribution, with an average salary of $64,132 per year, or $30.8 per hour.

Fraud Investigator

Deer Park, TX • On-site

SHELL FEDERAL CREDIT UNION
Commercial Banking • 201 - 500 employees
Learn more about SHELL FEDERAL CREDIT UNIONexternal

Full-time

Posted 3 days ago

New

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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