Senior Claims Specialist

Senior Claims Specialist - Personal Lines Zurich Canada is looking for a Senior Claims Specialist – Personal Lines Auto in either Montreal, Waterloo or Calgary. This hybrid work opportunity requires you to handle single and multi‑party personal or commercial line claims of low to moderate exposure and complexity. You will report to the Claims Manager, Auto Personal Lines and follow established protocols to ensure claims are handled efficiently and customers receive a customer‑centric service. Responsibilities Document claims file by capturing and updating claims data in compliance with best practices. Exercise judgement to determine liability by gathering and analysing facts, applying law, and establishing basic negligence principles. Determine policy verification and coverage by analysing applicable coverage and verifying whether the loss falls within it. Work towards a timely resolution by developing case strategy, evaluating the case, and escalating issues as appropriate. Establish timely reserves and perform ongoing reviews throughout the claims cycle within authority limits, estimating and validating claim value. Assess damages by calculating applicable damages or the range allowed by law. Negotiate settlement of claims by establishing strategy and using available tools within authority limits. Meet quality standards by following best practices. Ensure customer service by proactively communicating information, responding to inquiries, and following customer protocols. Manage expenses by working within approved vendor networks and managing scope of work for outside contractors, with manager approval when necessary. Maintain legal compliance by following state/federal laws, regulations, and internal control requirements. Refer claims to subrogation and fraud teams by identifying potential subrogation and fraud. Contribute to profitable growth by providing risk insight, information, and trends to the business unit or customer as needed. Protect Zurich’s reputation by keeping claims information confidential. Maintain professional and technical knowledge by participating in educational opportunities, staying current with industry trends, and participating in professional societies. Qualifications – Required Bachelor’s Degree and 3 or more years of experience in the Claims or Insurance area. Zurich Certified Insurance Apprentice, including an Associate Degree and 3 or more years of experience in Claims or Insurance area. Completion of Zurich Claims Training Program and 3 or more years of experience in the Claims or Insurance area. High School Diploma or equivalent and 5 or more years of experience in the Claims or Insurance area. Must obtain and maintain required adjuster license(s). Knowledge of insurance regulations, markets and products. Microsoft Office experience. Preferred Bilingual in English and French is an asset. Effective verbal and written communication skills. Strong analytical, critical thinking, and problem‑solving skills. Solid time‑management, prioritization and multi‑tasking skills. Experience collaborating in a team environment and building cross‑functional working relationships. Adept in identifying and explaining complex financial and/or actuarial concepts. Ability to determine the scope and exposure for moderately complex claims. Demonstrates understanding of the reserving process for indemnity and expense in analysing potential exposure of moderately complex claims. Ability to develop and execute a negotiation strategy and plan for resolution. Ability to identify subtleties in customer/client and/or business partner interactions. Ability to present information necessary to propose a claim resolution to stakeholders. Fluency in both spoken and written English is required to facilitate communication with internal and external stakeholders outside Quebec. #J-18808-Ljbffr