Insurance investigator Jobs in Montreal, QC

Overview

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Pay Details

Work Location : Montr e1l, Quebec, Canada

Hours : 35

Line Of Business : Financial Crimes & Fraud Mgmt

Pay Details : 74 500 CAD / 74,500 - 111,700 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.

Job Description

The Senior Investigator will identify, investigate, and mitigate instances of suspected insurance fraud to protect the organization from financial losses while ensuring compliance with regulatory and legal standard. This role involves leading comprehensive investigations into complex fraud cases, gathering and analyzing evidence, and collaborating with internal teams and external entities such as law enforcement and regulatory agencies. The Senior Investigator plays a critical role in maintaining the integrity of the claims process by detecting fraudulent activity, preventing future occurrences, and ensuring that legitimate claims are processed efficiently and accurately.

Key Accountabilities

Customer

• Make recommendations for enhancements that will create or enhance fraud detection techniques that mitigate exposure without sacrificing the customer experience.
• Conduct comprehensive investigations into suspected fraudulent claims to protect the organization and ensure fairness to all customers, including those filing legitimate claims.
• Collect, analyze, and preserve evidence in compliance with legal standards, ensuring all findings support accurate claim resolutions.
• Maintain a focus on minimizing fraudulent activities without causing undue delays or burdens on legitimate claimants.
• Communicate investigation outcomes clearly and professionally to internal and external customers, such as claimants, policyholders, and legal representatives.
• Provide updates to claimants and relevant stakeholders during investigations, ensuring transparency and alignment with customer service standards.
• Act as a steward of trust by identifying and addressing fraudulent activity that could compromise the integrity of the claims process, thereby safeguarding the interests of honest customers.
• Ensure compliance with legal, regulatory, and ethical standards in all investigative actions to protect the organization’s reputation and maintain customer confidence.
• Prioritize timely investigations to ensure legitimate claims are resolved quickly and efficiently without unnecessary delays for policyholders.
• Balance investigative thoroughness with service excellence to achieve outcomes that are fair and just for all customers.
• Handle all customer and claim information with the utmost confidentiality and in compliance with privacy laws and organizational policies.
• Safeguard sensitive information to protect customers from further harm or risk associated with fraud.

Shareholder

Employee / Team

Breadth & Depth

Job Requirements

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

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