TD Insurance, SIU Auto Claims Investigator
Work Location:
Montréal, Quebec, Canada
Hours:
35
Line of Business:
Financial Crimes & Fraud Mgmt
Pay Details:
62 900 $/$62,900 - 94 300 $/$94,300 CAD
TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.
As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
Job Description:
Department Overview
TD Insurance is part of TD Bank Group, one of Canada's largest financial institutions. TD Insurance helps protect clients from the 'accidents of life' with a wide range of products including credit protection, life, health, travel, home and auto insurance. With more than three million clients, TD Insurance authorized products and services are available online, over the phone, and through a network of more than 1,000 TD Canada Trust branches.
In Canada, we have two lines of business, General Insurance and Life and Health. Our General Insurance business is one of the top home and auto insurance groups in Canada and the national leader in group insurance and affinity marketing. Our Life and Health business is the number one provider of critical illness insurance and direct life and health insurance in Canada.
At TD Insurance, we are committed to fostering an inclusive, accessible environment. With a Canada-wide workforce of over 4,000 employees and offices in Atlantic Canada, Quebec, Ontario and Alberta, our company is always growing and can help you to grow. TD Insurance offers a stable and dynamic work environment where talent is appreciated, and professional development is taken seriously. More than just a job, we offer rewarding careers.
The SIU department provides investigative services, technical expertise, and is a resource for Claims Services nationally. The SIU department's vision is of world class performance and technical expertise dedicated to the appropriate investigation of insurance claims consistent with the highest standards of professional, ethical and legal conduct. The SIU department investigates files where there is a need for a more in-depth and specialized investigation beyond the scope of Claims Services. Where fact-finding is required, an SIU investigation is conducted in a fair, objective, thorough, timely and professional manner, enabling TDI to objectively make a determination of the facts and circumstances, appropriately addressing fraudulent and non-meritorious matters, and facilitating the resolution of meritorious claims.
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Job Description
SIU Auto Claims Investigators are accountable for conducting thorough investigations of suspicious auto claims assigned to them. They investigate claims for fraud or policy violations and deny or resolve claims as appropriate. SIU Auto Claims Investigators may be responsible for handling end to end claims adjusting including initial claim handling, customer contact, making payments when appropriate, dealing with customer complaints as well as claims disposition and resolution where appropriate.
Primary Responsibilities include but are not limited to the following:
- Complete thorough investigations while being sensitive to and protecting TDI's culture of client service
- Implement a non-biased investigation strategy for determining coverage
- Manage routine claim handling activities, including reserving, payments, claim resolution and closure, and work in partnership with other TDI groups (e.g., subrogation, underwriting)
- Prepare investigation reports and formulate conclusions
- Apply escalation procedures for nuanced cases
- Use internal advanced analytics tools to detect, identify, investigate and prevent fraud.
- Notify customers of outcome of investigation and, where appropriate, resolve claims.
Job Requirements
- 3+ years of claims handling experience (additional consideration will be given to those with significant expertise in multiple lines of business)
- Innate curiosity with a demonstrated ability to apply critical questioning & thinking
- A demonstrated commitment to fraud investigation through previous SIU referrals/involvement.
- Precision and attention to detail
- Practiced in active listening and summarizing evidence and analytical assessments in order to provide solid and supportable conclusions/actions
- Expert knowledge of Insurance products, Auto Policy, systems, policies and procedures and Insurance Act and associated legislation
- Ability to professionally and tactfully handle difficult conversations and confrontation
- Enrolment in the CIP program and completion of the Principles & Practices course is an asset
- Autonomous time management is critical
- Bilingualism in English and French is a requirement
- An AMF issued Claims Adjusting License is required in order to be considered for the role
Who We Are:
As part of TD Bank Group, one of Canada's largest financial institutions, at TD Insurance, we care for Canadian families, making it easy to get the best advice, protection, and support in their moments of need, always.
TD Insurance offers a wide range of products, including General Insurance and Life and Health. More than four million customers count on us.
As the largest direct to consumer insurer in Canada, we are always innovating and providing exciting and rewarding career opportunities for our Canada-wide workforce.
Our Total Rewards Package
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well-being goals. Total Rewards at TD includes a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. Learn more
Additional Information:
We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home.
Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.
Colleague Development
If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.
Training & Onboarding
We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.
Interview Process
We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.
Accommodation
Your accessibility is important to us. Please let us know if you'd like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.
We look forward to hearing from you!
Language Requirement (Quebec only):
Sans Objet
Perks and Benefits
Health and Wellness
Parental Benefits
Work Flexibility
Office Life and Perks
Vacation and Time Off
Financial and Retirement
Professional Development
Diversity and Inclusion