Root was founded on the belief that car insurance is broken, and we set out to change it. We’re harnessing the power of technology to revolutionize this archaic, complicated industry. Using machine learning and mobile telematic platforms, we’ve built one of the most innovative insurtech companies in the world.

The Opportunity

We are looking for a SIU Field Investigator II. In this role, you will play a critical role in driving the values on which our company was founded. As is the case with everyone we hire, this position will challenge you and push your critical thinking, creativity, and communication skills to help us solve complex problems. We’re looking for an investigator who integrates well with our claims culture.

Our perfect candidate understands the auto claims fraud landscape with experience conducting investigations in the field , is financially savvy, articulates both sides of an issue with clarity, digests complex information quickly and accurately, and is comfortable making decisions. This role is vital to our claims team’s success.

Salary Range:  $78,800 - $98,500

Root is a “work where it works best” company. This means we will support you working in whatever location that works best for you across the US.

How You Will Make an Impact

• Conduct field investigations involving claims suspected of fraud, including complex investigations involving multiple claims, organized fraudulent activity, staged accidents, and provider-related fraud
• Perform in-person investigative activities including scene investigations, neighborhood canvasses, witness interviews, recorded statements, accident-site documentation, and surveillance operations
• Identify, document, preserve, and report investigative findings through detailed written reports, photographs, video evidence, diagrams, and other supporting materials
• Investigate claims involving potential misrepresentation through examination of physical evidence, vehicle inspections, social media research, public records, and coordination with internal and external partners
• Coordinate forensic inspections and investigative efforts with vendors, law enforcement, legal counsel, and other stakeholders
• Conduct and support Examinations Under Oath (EUOs), including gathering supporting documentation and investigative materials
• Occasionally testify in court proceedings, depositions, arbitration hearings, or remotely, and complete sworn affidavits as needed
• Serve as a field resource for Claims and SIU staff regarding fraud indicators, investigative strategy, and evidence development
• Proactively identify questionable claims and emerging fraud trends through field observations and investigative activity
• Maintain timely and accurate case documentation while managing a high-volume investigative caseload across assigned territories
• Engage in ongoing learning opportunities related to fraud trends, investigative techniques, court decisions, and applicable state regulations
• Provide input into continuous improvement of SIU investigative processes, best practices, and field operations
• Interact and communicate effectively with customers, witnesses, vendors, attorneys, law enforcement, peers, and leadership while maintaining professionalism and empathy
• Mentor and assist less experienced investigators by sharing investigative techniques, field practices, and fraud detection strategies

What You Will Need to Succeed

• Minimum of 3 years of experience conducting insurance fraud investigations, with significant field investigation experience preferred
• Experience handling automobile injury, property damage, staged accident, and/or organized fraud investigations preferred
• Demonstrated experience conducting surveillance, scene investigations, witness interviews, and evidence collection
• Strong understanding and application of laws, statutes, regulations, and compliance requirements related to fraud investigations and field operations
• Ability to independently manage investigations, prioritize assignments, and make sound investigative decisions in the field
• Experience conducting or supporting Examinations Under Oath with minimal direction
• Strong written and verbal communication skills, including preparation of detailed investigative reports and courtroom testimony
• Understanding of telematics data, location services, Event Data Recorder (EDR) analysis, and other vehicle forensic technologies preferred
• Fraud Claim Law Specialist (FCLS), Certified Fraud Examiner (CFE), CPCU, or other fraud-related certifications preferred
• High degree of professionalism, discretion, and sound judgment while remaining empathetic and customer-focused
• Ability and willingness to travel regularly within assigned territory, including occasional overnight travel as needed, and utilize vehicle as a workstation
• Valid driver’s license with acceptable driving record required

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.

Please see our Privacy Notice available HERE for more information on how we process your personal data.

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