Senior Claims Investigator, Personal Lines Claims, Investigative Services

The Opportunity

Are you looking for a caring, collaborative, values-driven workplace with inspiring teammates and leaders? Do you have the ambition and desire to be the best and thrive at the most impactful global insurance provider in the world? Look no further than Zurich Canada.

If you have experience in professional investigations involving financial crimes, insurance claims or investigation with a law enforcement agency, and are looking for a new challenge, we would love to hear from you.

Zurich Canada is currently looking for a Senior Claims Investigator, Personal Lines Claims for our Waterloo office and to join the Investigative Services (INS) team.

Reporting to the Claims Fraud and Investigations Manager, you will direct, lead and conduct investigations of suspect fraud, high exposure, and complex investigations within Personal Lines Claims. Suspect premium fraud cases may also be included in the type of cases worked. Cases may also include claimant, third party vendor, and or broker matters. Receives limited to moderate technical direction and works within broad limits and authority on highly complex assignments to ensure that all claims fraud risks are effectively and efficiently governed and managed.

This is a unique opportunity to build your knowledge and experience for the future in a supportive environment where your voice matters. This posting is for an existing vacancy.

Zurich Canada uses artificial intelligence–enabled tools to support certain aspects of the recruitment process, including the initial review and screening of applications. Artificial intelligence is not the sole basis for candidate shortlisting or selection. All hiring decisions are reviewed and made by qualified hiring professionals.

Zurich follows a hybrid work model requiring three days per week of in-person presence, which may include time in the office or market-facing engagements.

The position is currently based in Waterloo, with plans to relocate to our new Kitchener office when it opens in early 2027.

What you will do

• Promptly review and triage investigative referrals from all sources
• Promptly assign investigations to the appropriate internal investigator after triaging them
• Provide counter fraud education on key fraud indicators, fraud trends, fraud metrics, etc. to Zurich adjusters and management

• Predominately conducts complex, sensitive, or high exposure investigations within Personal Lines Claims while handling some Commercial Lines claims
• Researches information and database searches, prepares surveillance assignment, assigns to vendor and reviews results with subsequent documentation.
• Leads investigative team on the resolution of highly complex, sensitive, and/or suspect organized ring cases within geography.
• Investigates all aspects of highly complex claims referred for investigation, including circumstances of loss, background of individuals/businesses and underwriting aspects.
• Participates in department and Business Unit initiatives as directed.
• Gathers information from various sources and interviews witnesses.
• Maintains impeccable documentation, back up and files to support all aspects of the case.
• Prepares and provides investigative reports to Claims, Management, Business Partners, Business Units and other required stakeholders.
• Acquire and efficiently organize the relevant evidence and information necessary to accurately assess whether or not there is a fraudulent aspect to individual claims or fraud ring/network claims.
• Collaborate with external agencies to secure information and data which is relevant to individual investigations.
• Conduct desk and field investigations including face to face interviews with customers, witnesses and other persons relevant to the investigation, obtaining formal written statements.
• Adheres to local regulation and Zurich Claims governance requirements throughout the investigative process to ensure that all information and data is obtained within data protection rules and regulations.
• Liaises closely with senior managers and claim handlers throughout the investigative process and ensuring that all stakeholders are immediately aware of any important issues that are identified.
• Identify promptly cases which need to be further escalated.

Additional responsibilities:
Serves as primary subject matter expert for the development of technical training and team member coaching.

Job Qualifications - What you bring to the table

Required:
• Bachelor's Degree and 7 or more years of experience in the professional investigations involving other financial crimes or Insurance claims investigation with a law enforcement agency area
OR
• High School Diploma or Equivalent and 9 or more years of experience in the professional investigations involving other financial crimes or Insurance claims investigation with a law enforcement agency area

Preferred:
• Bachelor's Degree and minimum of 7 or more years of experience in professional investigations involving financial crimes, insurance claims or investigation with a law enforcement agency
• In depth knowledge of claims process
• In depth knowledge of regulations and statutes in the assigned territory
• Microsoft Office skills

At Zurich Canada, we are committed to pay equity. We determine compensation based on objective criteria such as skills, experience, and internal equity. The salary range for this position is $90,000 - $120,000. This range reflects the expected pay for the role across Canada and may vary depending on factors like office location, specific responsibilities, and individual qualifications. As required by local law, Zurich provides in good faith a reasonable compensation range, but starting salaries may exceed this range based on a candidate’s skills and experience.

Our Culture

• At Zurich, we are proud of our culture. We are passionate about Diversity, Inclusion, Equity and Belonging (DIEB). We want you to bring your whole self to work, and we want our employees to be reflective of the communities in which we live and work. Our DIEB initiatives are creating an environment where everyone feels welcome.
• We have a collaborative culture where diversity of thought is valued. We value your input and strive to give our employees the tools they need to make an impact.
• We care about our employees’ well-being and offer a comprehensive health/benefits plan with varying levels of coverage to suit your specific needs and a competitive total compensation package.

• We understand how important it is to rest, recharge and do the things you love. At Zurich, all employees receive a minimum of four weeks of vacation per year to do just that.
• We also understand that employees require time off for personal reasons. Maybe you have an appointment during a workday, a cultural or religious holiday you would like to observe, or you need time off to focus on your mental health. Zurich employees receive four personal days per year to be used at their discretion.
• We are committed to continuous improvement and offer access to a comprehensive range of training and development opportunities.
• We care about our communities. Our communities are where our customers, people, and shareholders live and work. While we can be proud of the contribution to society Zurich makes through our core business of insurance, we must also give back to our communities through our talent, time and resources.
• We have won numerous awards for our workplace culture. We are proud to be one of Greater Toronto’s Top Employers and to have received Insurance Business Canada’s 5-Star Diversity, Equity and Inclusion Award.

Make a difference. Be challenged. Be inspired. Be supported. Love what you do. Work for us.

About Us

Zurich Canada is part of the Zurich Insurance Group, a multi-line insurer with approximately 55,000 employees worldwide serving customers in global and local markets. Zurich Canada has been a leading insurance provider serving mid-sized and large companies, including multinational corporations, in the Canadian commercial market for 100 years. With over 650 employees in offices across the country, Zurich offers the global strength of a top insurance provider combined with in-depth knowledge of industries and local markets. Zurich Canada aspires to be risk management professionals’ first choice as their premier partner to help meet the risk challenges of today and tomorrow. Read more at www.zurichcanada.com.

A future with Zurich

Now is the time to move forward and make a difference. At Zurich, we want you to share your unique perspectives, experiences and ideas so we can grow and drive sustainable change together. As part of a leading global organization, Zurich North America has over 148 years of experience managing risk and supporting resilience. We are a leading provider of commercial property-casualty insurance solutions and a wide range of risk management products and services for businesses and individuals. Today, we serve more than 25 industries, from agriculture to technology and insure 90% of the Fortune 500®. Our growth strategy is not limited to our business. As an employer, Zurich strives to provide ongoing career development opportunities and foster an environment where voices are diverse, behaviors are inclusive, actions drive equity, and our people feel a sense of belonging. Be a part of the next evolution of the insurance industry. Join us in building a brighter future for our people, our customers and the communities we serve.

As a global company, Zurich recognizes the diversity of our workforce as an asset. We recruit talented people from a variety of backgrounds with unique perspectives that are truly welcome here. Taken together, diversity and inclusion bring us closer to our common goal: exceeding our customers’ expectations. Zurich is committed to providing a diverse, inclusive and barrier-free environment resulting in an accessible organization for employees, customers, and other parties who interact with, or on behalf of, Zurich. We strive to achieve a workplace free of discrimination of all forms, including discrimination on the basis of physical or mental disability, or medical condition. If you are interested in a job opportunity, please advise if you require an accommodation, so we can work with you to provide a more accessible process.

Zurich does not accept unsolicited resumes from search firms or employment agencies. Any unsolicited resume will become the property of Zurich Canadian Holdings Limited. If you are a preferred vendor, please use our Recruiting Agency Portal for resume submission.

Only applicable for Canada: For Zurich Canada's commitment to diversity and accessibility please click here. If you would prefer to not receive future electronic messages from Zurich Insurance Company Ltd's recruitment management system, please email your request to have your job profile deleted from the system by clicking here. Zurich Insurance Company Ltd 100 King St., W., Suite 5500, Toronto, ON, M5X 1C9. www.zurichcanada.com