Job Description

Senior Claims Investigator

Job Location: Remote (North-Central & Eastern ON)

Who We Are

The Commonwell Mutual Insurance Group is not just another insurance company; we are a P&C Mutual company with solid grass roots within our community. We’re proud to be a leader within the P&C industry offering a Mutual experience rich with history, opportunity and exceptional customer service. We are committed to profitable growth, team development, ingenuity, built on strong connections in our remote first work environment. We encourage a work-life balance and we are serious about what we do.

Our Promise To You

Here at The Commonwell, we are all about Protecting Individuals, Together! Our vision is to continue to build an environment that develops and attracts the very best by empowering everyone to foster a workplace where everyone can perform at their very best, be their authentic self and bring their whole self to work.

The Opportunity:

At The Commonwell, protecting individuals, together, means ensuring fair and thorough claims investigations that safeguard both our members and our organization. As a Senior Claims Investigator, you will lead investigations into complex or suspicious claims, identifying potential fraud and organized activity while ensuring balanced, ethical, and evidence-based outcomes. You’ll collaborate with peers, leaders, and industry partners to refine fraud detection practices and strengthen our response to claims fraud.

Who you are:

You are a seasoned claims professional with an investigative mindset and a passion for uncovering the truth. With strong analytical and communication skills, you can balance independence with collaboration and manage sensitive investigations with professionalism and discretion. You thrive in dynamic environments, adapt quickly to challenges, and bring confidence, integrity, and sound judgment to every investigation.

Work environment

This is a remote, field-based role with occasional in-office meetings. The successful candidate must be able to travel on short notice for investigations, mediations, arbitrations, or court proceedings. Field work may involve varying environments and risks — all necessary protective equipment will be provided. Overtime and flexible hours may be required to meet business needs.

How you will create an impact:

As Senior Claims Investigator, you will:

• Lead investigations into individual and organized claims fraud, applying advanced investigative techniques.
• Assess claims for fraud indicators, coverage issues, and hazards, and develop clear investigation plans.
• Conduct research, open-source investigations, and witness interviews, documenting findings thoroughly.
• Collaborate with Claims partners, Fraud Prevention Analysts, and industry contacts to share intelligence and address emerging risks.
• Provide technical expertise and mentorship to Claims staff, supporting their development in fraud detection.
• Prepare detailed investigation reports, provide testimony in proceedings, and engage with regulatory and industry bodies as needed.
• Monitor fraud trends, identify process improvements, and support the design of fraud awareness training.
• Coordinate with external experts, service providers, and law enforcement while ensuring compliance with privacy and regulatory standards.

What you will bring:

• Post-secondary education and/or CIP/FCIP/CRM designation (completed or in progress).
• Minimum 5 years of insurance claims experience (property, farm, commercial, or auto injury) plus 3 years in an investigative role, OR advanced investigation experience in policing or government (fraud, financial crimes, or organized activity).
• Strong investigative, analytical, and evaluation skills, with proven experience in handling complex claims.
• Effective communication skills — verbal, written, and interpersonal — with the ability to manage conflict and convey findings clearly.
• Advanced knowledge of insurance fraud, claims handling practices, policy language, and relevant legislation.
• Proficiency in Microsoft Office, open-source investigation tools, and comfort with data analysis (e.g., Power BI, FRISS).
• Valid Class G driver’s license and clean driver’s abstract.
• Strong organizational, multi-tasking, and decision-making abilities with high ethical standards and integrity.
• Leadership qualities, with the ability to mentor and share expertise with colleagues.

Perks of Being a Commonwell Crew Member

• Remote work environment
• Flexible Work arrangements
• Competitive Compensation Package
• Training and Development Opportunities
• Pension and savings programs
• Paid volunteer days
• Wellness and Recognition programs/Platforms
• Parental Leave Top-up

JOIN THE #Commonwell Crew! We saved you a spot!

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