Alkjad Lelaj
Bloomfield,NJ
Summary
Investigative professional with 10+ years of experience conducting complex financial investigations, reconstructing transactions, detecting fraud, and writing detailed investigative reports. Managed 60-80 complex cases monthly under strict regulatory deadlines. Excelled at evidence gathering, fraud detection, and clear presentation of findings.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Atlantic Coast Field Claims Representative
Farmers Insurance Exchange
02.2023 - 03.2025
- Conducted thorough field investigations of property damage claims, gathering physical and documentary evidence, confirming coverage, reconstructing events, and establishing liability through detailed analysis of financial records, police reports, and third-party statements.
- Identified and documented indicators of insurance fraud, theft, and arson; prepared and submitted mandatory regulatory reports to state departments of insurance and the National Insurance Crime Bureau (NICB).
- Managed a high-volume caseload of 60-80 complex claims per month, consistently meeting strict deadlines while maintaining accuracy and compliance with state regulations and company policy.
- Analyzed bank statements, invoices, repair estimates, and subcontractor records to verify loss amounts and detect irregularities; recommended subrogation or denial when evidence supported.
- Negotiated settlements with policyholders, contractors, and attorneys; prepared comprehensive written summaries of findings and recommendations that were regularly relied upon in litigation or arbitration.
Public Adjuster
United Public Adjusters
11.2021 - 02.2023
- Represented policyholders in first-party property claims by conducting independent investigations, reviewing insurance policies, and reconstructing financial losses through detailed documentation of damages and replacement costs.
- Examined and analyzed carrier-prepared estimates, contractor invoices, bank records, and depreciation schedules to challenge underpayments; increased final settlement values by an average of 15-20%.
- Negotiated directly with insurance adjusters and defense counsel to resolve disputes, frequently achieving favorable outcomes without litigation.
- Managed full lifecycle of 50+ concurrent claims, ensuring all documentation was complete, accurate, and delivered within policy deadlines.
Client Advocate
Credit Saint LLC
07.2019 - 08.2020
- Conducted in-depth investigations of consumer credit reports from Experian, Equifax, and TransUnion, reviewing 7 years of financial history to identify inaccuracies, identity theft, and fraudulent entries.
- Gathered supporting documentation (bank statements, police reports, identity-theft affidavits) and prepared formal dispute letters with clear factual findings and legal arguments under the Fair Credit Reporting Act (FCRA).
- Managed 60-80 active client files per month, consistently meeting 30-45 day regulatory deadlines for dispute resolution.
- Presented investigative findings to credit bureaus and furnishers; achieved successful deletion or correction of disputed items resulting in average client credit-score increases of 200-300 points.
- Ensured 100% compliance with federal and state credit-repair laws (CROA, FCRA, TSR).
Property Manager
Franklin Hall Apartments
07.2013 - 07.2019
- Conducted financial reviews and root-cause analysis of tenant delinquencies by examining payment histories, bank records, and lease agreements; identified systemic policy weaknesses contributing to defaults.
- Implemented enhanced applicant screening procedures, including verification of income documentation and credit reports, reducing delinquencies, evictions, and associated legal costs by 50%.
- Prepared detailed financial reports and exhibits for landlord-tenant court proceedings; testified as needed regarding payment histories and lease violations.
- Increased property gross revenue 20% year-over-year through strategic rent adjustments supported by market and renovation-cost analysis.
Education
MBA - Finance
William Paterson University of New Jersey
Wayne, NJ12-2018
Bachelor of Arts - History
Rutgers University-Newark
Newark, NJ12-2014
Skills
- - Financial document reconstruction and forensic review
- - Fraud detection and regulatory reporting
- - Investigative report writing (clear, concise, evidence-based)
- - Interviewing and witness preparation
Accomplishments
- Earned "Adjuster of the Quarter" for highest settlement accuracy and lowest re-open rate in the Atlantic Coast zone.
- Managed a personal book of 60-80 active clients monthly while maintaining a 93% client retention rate.
- Achieved and sustained a 98% physical occupancy and 95% of economic occupancy for 66-unit building over 36 consecutive months.
Certification
- Insurance Adjuster License - NJ, NY, PA, DE, CT, MA, RI, VT, NH, ME, IL
- Public Adjuster License - NJ
- Real Estate Salesperson License - NJ
Languages
English
Native or Bilingual
Albanian
Professional Working
Timeline
Atlantic Coast Field Claims Representative
Farmers Insurance Exchange
02.2023 - 03.2025
Public Adjuster
United Public Adjusters
11.2021 - 02.2023
Client Advocate
Credit Saint LLC
07.2019 - 08.2020
Property Manager
Franklin Hall Apartments
07.2013 - 07.2019
MBA - Finance
William Paterson University of New Jersey
Bachelor of Arts - History
Rutgers University-Newark