[Hiring] SIU Investigator @Lemonade

Role Description

We're looking for an experienced SIU Investigator to help protect honest policyholders and keep sophisticated fraud networks from gaming the system - while making sure legitimate claims move fast. You'll join our Claims team at a pivotal moment, bringing specialized investigative expertise to high-risk files as we expand into key markets like Florida and keep pushing the boundaries of what modern fraud detection looks like.

In this role you'll:

• Lead end-to-end SIU investigations on complex auto claims - Physical Damage, Bodily Injury, and PIP/Medical Payments - with full ownership from referral to resolution.
• Identify and dismantle multi-claim fraud networks, staged accident rings, and coordinated medical billing schemes using link analysis and pattern-recognition techniques.
• Apply deep working knowledge of Florida PIP statutes, medical fee schedules, and the 14-day treatment rule to counter state-specific fraud trends.
• Partner directly with our Data Science and Product teams to test and refine predictive fraud models, feeding real-world case intelligence back into automated detection.
• Investigate emerging digital fraud risks - AI-manipulated damage photos, synthetic media, and altered records - using the latest AI tools and digital research platforms.
• Support EUOs, state fraud bureau referrals, and case strategy alongside claims adjusters and legal counsel.

Qualifications

• 5+ years of dedicated SIU or auto claims investigative experience, with a track record on complex, high-stakes cases.
• Deep Florida PIP and BI expertise - statutes, treatment windows, billing mill fraud, and EUO dynamics.
• Hands-on experience with intelligence platforms like ISO ClaimSearch, Accurint, TLOxp, or LexisNexis.
• Proven ability to investigate large-scale, multi-jurisdictional organized fraud rings and billing syndicates.
• Genuine curiosity about AI - both as an investigative asset and as a fraud threat vector you'll need to stay ahead of.
• A college degree, preferably in criminal justice, insurance, or a related field.
• Ability to work in a remote environment.

Requirements

• Please note that we are unable to sponsor applicants for work visas.
• Unfortunately, we cannot consider applicants from these states: Alaska, California, Colorado, Montana, Hawaii, New Mexico and Puerto Rico.

Benefits

• Lemonade's US base salary range for this full-time position is $65,000 - $72,500 plus equity + benefits.
• Our competitive total rewards package includes comprehensive health & wellness coverage, equity, a 401(k) plan with employer match, 20 paid vacation days, and parental leave.
• Speak to your recruiter to hear more about the specific salary range for your preferred location and our total rewards package.