Fraud & Investigations Advisor
Guardian Life, Bethlehem, PA, United States
Is the opportunity to join a culture where "We Do the Right Thing," and "We Courageously Shape Our Future Together" important to you? If so, Guardian is seeking a resolute motivated individual to join our team as a Fraud & Investigations Advisor.
This role is responsible for investigating potential cases of fraud across a wide array of business units and insurance products. The investigator will provide advice and counsel to business partners and assist with the completion of proactive risk assessments, including supporting the implementation of any necessary action plans or anti-fraud controls.
The Investigator will be expected to work in the office at least three days each week and to develop an understanding of anti-money laundering (AML) policies and procedures.
You will
Conduct investigations from start to finish, including situations involving confidential complex and time-sensitive issues.
Perform investigations with due regard to the company's reputation, privacy considerations, business ramifications, financial exposure, and compliance requirements.
Plan and develop the theory and scope of each assignment. Consider all civil and criminal options available to Guardian as part of each investigation. Determine priorities and direction of each investigation.
Conduct effective interviews with individuals from all socio-economic levels and draft clear and accurate interview summaries.
Analyze and appraise evidence to develop informed objective opinions.
Communicate investigative results and evidence in a professional, prompt, impartial, confidential, and accurate manner.
Handle a diverse caseload of investigations involving various insurance products, including annuities, dental, disability, life, and supplemental insurance.
Communicate with state insurance departments and other regulatory agencies.
Utilize outside investigative agencies where necessary and evaluate their effectiveness and performance and make recommendations for future usage.
Utilize the Financial Crime Risk Management (FCRM) application to identify potential fraud and abuse, identify and analyze patterns, triage cases, and interpret data.
Investigate and resolve transaction monitoring alerts, including the escalation of such alerts when appropriate.
Utilize various databases including Thomson Reuters, LexisNexis, and other online sources of information.
Negotiate settlements with providers, attorneys, corporate entities, and our insureds. Assist with drafting of settlement agreements.
Report fraud or suspected fraud cases to relevant governmental.
Attend information-sharing meetings with peer carriers or organizations such as NHCAA, ACFE, or LIMRA/LOMA.
Additional Responsibilities:
Assist in high level and complex investigations into potential internal and agent misconduct as directed by senior management.
Conduct complex investigations into incidents involving securities, investments and broker-dealer and investment advisory services.
Conduct detailed, strategic, and evidence-based and informed interviews of individuals suspected of misconduct or sensitive witnesses.
Assist in the completion of confidential fraud case investigations, including the filing of Suspicious Activity Reports (SARs) and Continuing Activity Reports (CARs), when applicable.
Assist in completing risk assessments, creating, and presenting fraud training and presentations, and providing advice and counsel about fraud controls to various stakeholders.
Assist with special projects such as legislative compliance, public speaking assignments, and others.
Create and present fraud awareness training and other presentations to internal stakeholders.
Provide subject matter expertise to business partners. Assist in developing fraud controls, fraud monitoring and developing processes and procedures to identify and prevent misconduct.
Serve as a liaison to litigation to ensure collaboration with fraud filings and provide investigation services in support of litigation matters.
You have
One or more of the following: a Bachelor's degree in criminal justice; a Bachelor's Degree and 4 years of insurance investigation experience; 5 years of professional investigation experience with a law enforcement agency; or 7 years of professional investigative experience involving economic or insurance related matters.
CFE designation or NHCAA certifications.
Experience conducting investigative, fact-finding interviews. Ability to identify and extract information from non-traditional sources.
Strong analytical and problem-solving skills.
A growth mindset with a demonstrated passion for curiosity.
Strong research skills.
Outstanding communication skills (written and verbal).
Self-Motivated with the ability to multi-task and thrive in a non-structured environment.
Strong Microsoft Word, Excel, and PowerPoint skills
Ability to incorporate AI tools (e.g., Microsoft Co-Pilot) into day-to-day responsibilities to help drive efficiencies.
Location:
Hybrid role - 3 days in a Guardian office located in Bethlehem PA, Holmdel, NJ or Hudson Yards, NYC. 2 days WFH.
Salary Range:
$58,620.00 - $96,300.00
The salary range reflected above is a good faith estimate of base pay for the primary location of the position. The salary for this position ultimately will be determined based on the education, experience, knowledge, and abilities of the successful candidate. In addition to salary, this role may also be eligible for annual, sales, or other incentive compensation.
Our Promise
At Guardian, you'll have the support and flexibility to achieve your professional and personal goals. Through skill-building, leadership development and philanthropic opportunities, we provide opportunities to build communities and grow your career, surrounded by diverse colleagues with high ethical standards.
Inspire Well-Being
As part of Guardian's Purpose - to inspire well-being - we are committed to offering contemporary, supportive, flexible, and inclusive benefits and resources to our colleagues. Explore our company benefits at www.guardianlife.com/careers/corporate/benefits .
Benefits apply to full-time eligible employees. Interns are not eligible for most Company benefits.
Equal Employment Opportunity
Guardian is an equal opportunity employer. All qualified applicants will be considered for employment without regard to age, race, color, creed, religion, sex, affectional or sexual orientation, national origin, ancestry, marital status, disability, military or veteran status, or any other classification protected by applicable law.
Accommodations
Guardian is committed to providing access, equal opportunity and reasonable accommodation for individuals with disabilities in employment, its services, programs, and activities. Guardian also provides reasonable accommodations to qualified job applicants (and employees) to accommodate the individual's known limitations related to pregnancy, childbirth, or related medical conditions, unless doing so would create an undue hardship. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact MyHR@glic.com. Please note: this resource is for accommodation requests only. For all other inquires related to your application and careers at Guardian, refer to the Guardian Careers site.
Visa Sponsorship
Guardian is not currently or in the foreseeable future sponsoring employment visas. In order to be a successful applicant. you must be legally authorized to work in the United States, without the need for employer sponsorship.
Current Guardian Colleagues: Please apply through the internal Jobs Hub in Workday.
Every day, Guardian helps our 29 million customers realize their dreams through a range of insurance and financial products and services. Our Purpose, to inspire well-being, guides our dedication to the colleagues, consumers, and communities we serve. We know that people count, and we go above and beyond to prepare them for the life they want to live, focusing on their overall well-being - mind, body, and wallet. As one of the largest mutual insurance companies, we put our customers first. Behind every bright future is a GuardianTM. Learn more about Guardian at guardianlife.com .
Visa Sponsorship:
Guardian Life is not currently or in the foreseeable future sponsoring employment visas. In order to be a successful applicant, you must be legally authorized to work in the United States, without the need for employer sponsorship.
This role is responsible for investigating potential cases of fraud across a wide array of business units and insurance products. The investigator will provide advice and counsel to business partners and assist with the completion of proactive risk assessments, including supporting the implementation of any necessary action plans or anti-fraud controls.
The Investigator will be expected to work in the office at least three days each week and to develop an understanding of anti-money laundering (AML) policies and procedures.
You will
Conduct investigations from start to finish, including situations involving confidential complex and time-sensitive issues.
Perform investigations with due regard to the company's reputation, privacy considerations, business ramifications, financial exposure, and compliance requirements.
Plan and develop the theory and scope of each assignment. Consider all civil and criminal options available to Guardian as part of each investigation. Determine priorities and direction of each investigation.
Conduct effective interviews with individuals from all socio-economic levels and draft clear and accurate interview summaries.
Analyze and appraise evidence to develop informed objective opinions.
Communicate investigative results and evidence in a professional, prompt, impartial, confidential, and accurate manner.
Handle a diverse caseload of investigations involving various insurance products, including annuities, dental, disability, life, and supplemental insurance.
Communicate with state insurance departments and other regulatory agencies.
Utilize outside investigative agencies where necessary and evaluate their effectiveness and performance and make recommendations for future usage.
Utilize the Financial Crime Risk Management (FCRM) application to identify potential fraud and abuse, identify and analyze patterns, triage cases, and interpret data.
Investigate and resolve transaction monitoring alerts, including the escalation of such alerts when appropriate.
Utilize various databases including Thomson Reuters, LexisNexis, and other online sources of information.
Negotiate settlements with providers, attorneys, corporate entities, and our insureds. Assist with drafting of settlement agreements.
Report fraud or suspected fraud cases to relevant governmental.
Attend information-sharing meetings with peer carriers or organizations such as NHCAA, ACFE, or LIMRA/LOMA.
Additional Responsibilities:
Assist in high level and complex investigations into potential internal and agent misconduct as directed by senior management.
Conduct complex investigations into incidents involving securities, investments and broker-dealer and investment advisory services.
Conduct detailed, strategic, and evidence-based and informed interviews of individuals suspected of misconduct or sensitive witnesses.
Assist in the completion of confidential fraud case investigations, including the filing of Suspicious Activity Reports (SARs) and Continuing Activity Reports (CARs), when applicable.
Assist in completing risk assessments, creating, and presenting fraud training and presentations, and providing advice and counsel about fraud controls to various stakeholders.
Assist with special projects such as legislative compliance, public speaking assignments, and others.
Create and present fraud awareness training and other presentations to internal stakeholders.
Provide subject matter expertise to business partners. Assist in developing fraud controls, fraud monitoring and developing processes and procedures to identify and prevent misconduct.
Serve as a liaison to litigation to ensure collaboration with fraud filings and provide investigation services in support of litigation matters.
You have
One or more of the following: a Bachelor's degree in criminal justice; a Bachelor's Degree and 4 years of insurance investigation experience; 5 years of professional investigation experience with a law enforcement agency; or 7 years of professional investigative experience involving economic or insurance related matters.
CFE designation or NHCAA certifications.
Experience conducting investigative, fact-finding interviews. Ability to identify and extract information from non-traditional sources.
Strong analytical and problem-solving skills.
A growth mindset with a demonstrated passion for curiosity.
Strong research skills.
Outstanding communication skills (written and verbal).
Self-Motivated with the ability to multi-task and thrive in a non-structured environment.
Strong Microsoft Word, Excel, and PowerPoint skills
Ability to incorporate AI tools (e.g., Microsoft Co-Pilot) into day-to-day responsibilities to help drive efficiencies.
Location:
Hybrid role - 3 days in a Guardian office located in Bethlehem PA, Holmdel, NJ or Hudson Yards, NYC. 2 days WFH.
Salary Range:
$58,620.00 - $96,300.00
The salary range reflected above is a good faith estimate of base pay for the primary location of the position. The salary for this position ultimately will be determined based on the education, experience, knowledge, and abilities of the successful candidate. In addition to salary, this role may also be eligible for annual, sales, or other incentive compensation.
Our Promise
At Guardian, you'll have the support and flexibility to achieve your professional and personal goals. Through skill-building, leadership development and philanthropic opportunities, we provide opportunities to build communities and grow your career, surrounded by diverse colleagues with high ethical standards.
Inspire Well-Being
As part of Guardian's Purpose - to inspire well-being - we are committed to offering contemporary, supportive, flexible, and inclusive benefits and resources to our colleagues. Explore our company benefits at www.guardianlife.com/careers/corporate/benefits .
Benefits apply to full-time eligible employees. Interns are not eligible for most Company benefits.
Equal Employment Opportunity
Guardian is an equal opportunity employer. All qualified applicants will be considered for employment without regard to age, race, color, creed, religion, sex, affectional or sexual orientation, national origin, ancestry, marital status, disability, military or veteran status, or any other classification protected by applicable law.
Accommodations
Guardian is committed to providing access, equal opportunity and reasonable accommodation for individuals with disabilities in employment, its services, programs, and activities. Guardian also provides reasonable accommodations to qualified job applicants (and employees) to accommodate the individual's known limitations related to pregnancy, childbirth, or related medical conditions, unless doing so would create an undue hardship. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact MyHR@glic.com. Please note: this resource is for accommodation requests only. For all other inquires related to your application and careers at Guardian, refer to the Guardian Careers site.
Visa Sponsorship
Guardian is not currently or in the foreseeable future sponsoring employment visas. In order to be a successful applicant. you must be legally authorized to work in the United States, without the need for employer sponsorship.
Current Guardian Colleagues: Please apply through the internal Jobs Hub in Workday.
Every day, Guardian helps our 29 million customers realize their dreams through a range of insurance and financial products and services. Our Purpose, to inspire well-being, guides our dedication to the colleagues, consumers, and communities we serve. We know that people count, and we go above and beyond to prepare them for the life they want to live, focusing on their overall well-being - mind, body, and wallet. As one of the largest mutual insurance companies, we put our customers first. Behind every bright future is a GuardianTM. Learn more about Guardian at guardianlife.com .
Visa Sponsorship:
Guardian Life is not currently or in the foreseeable future sponsoring employment visas. In order to be a successful applicant, you must be legally authorized to work in the United States, without the need for employer sponsorship.