Suzanne Fluid
Clearwater
Summary
Dynamic claims examiner with 25+ years of expertise in alternative dispute resolution and complex claim management. Proven success in negotiating settlements, extensive liability analysis, and fraud investigations. Licensed Property & Casualty professional adept at executing precise ADR strategies and fostering strong collaborations with legal teams to drive effective claim resolutions.
Overview
24
24
years of professional experience
Work History
CLAIM Desk Examiner and Alternative Dispute Resolution/Mediation/NOI Pre-litigation Claims Examiner
Heritage Insurance
Tampa, FL
10.2018 - 10.2026
- Executed Alternative Dispute Resolution strategies, achieving a 95% settlement success rate through mediation and negotiated NOI pre-suit agreements.
- Assessed coverage, liability, and damage for intermediate to complex claims, authorizing settlements by negotiating with Public Adjusters and Attorneys.
- Conducted thorough claims investigations to verify facts and ensure compliance with policy provisions and statutory guidelines.
Independent Adjuster, Contractor
Deployed for Hurricane Harvey and Hurricane Irma
Daytona Beach, FL
09.2017 - 10.2018
- Managed CAT/XPRESS Desk Adjuster auto claims during Hurricane Harvey and Irma deployments, ensuring timely and accurate catastrophe claims processing.
- Supported rapid response efforts by processing high volumes of hurricane-related claims in compliance with insurance regulations.
- Collaborated with stakeholders to expedite claims resolution and maintain customer satisfaction during disaster recovery.
SR PROPERTY DAMAGE ADJUSTER/SPECIAL INVESTIGATOR
ACCC Insurance
San Antonio, TX
04.2011 - 06.2016
- Analyzed claims to determine company liability and negotiated settlements in accordance with policy provisions.
- Conducted detailed investigations into suspected insurance fraud, contributing to fraud prevention and recovery efforts.
- Collaborated with insurance agents and claimants to resolve complex liability claims efficiently and compliantly.
- Ensured claims handling adhered to regulatory compliance and best practices for property damage claims.
SR PROPERTY DAMAGE ADJUSTER/SPECIAL INVESTIGATOR
Pronto Insurance
San Antonio, TX
11.2010 - 04.2011
- Determined extent of company liability and negotiated settlements for moderate to severe claims in compliance with policy terms.
- Investigated suspected insurance fraud, uncovering schemes and providing evidence for recovery of overpayments.
- Delivered fraud indicator training to Claims Staff, enhancing fraud detection capabilities.
- Collaborated with agents and claimants to rectify errors and resolve claims efficiently.
RISK OPERATIONS ANALYST II
Inventory Management ControlJP Morgan Chase
San Antonio, TX
01.2009 - 11.2010
- Reviewed customer claims and provisional credits to ensure compliance with internal policies and regulatory requirements.
- Analyzed documentation related to merchant chargebacks, supporting accurate dispute resolution.
- Maintained regulatory adherence while providing customer claims support in a compliance-focused environment.
SPECIALIST II (INVESTIGATOR)
Crosby Technologies
Seattle, WA
07.2008 - 09.2008
- Investigated money laundering and financial crimes, identifying policy weaknesses and recommending risk mitigation improvements.
- Conducted interviews and compiled Suspicious Activity Reports (SARs) to support regulatory compliance.
- Prepared detailed investigative reports and referred cases for prosecution, demonstrating strong fact-finding and report writing skills.
Licensed Private Investigator
Magnum Investigations
Dallas, TX
05.2008 - 07.2008
- Conducted comprehensive claims investigations including recorded statements and surveillance to detect workers' compensation insurance fraud.
- Produced clear, concise investigative reports to support accurate claim resolutions and fraud prevention efforts.
PRIVATE INVESTIGATOR
Global Options Group
02.2008 - 06.2008
- Contracted to perform background, liability, workers' compensation, and general liability claims investigations.
- Conducted surveillance investigations supporting claims validation and fraud detection in collaboration with investigative agencies.
CASUALTY MASTER CLAIMS REPRESENTATIVE
Titan Insurance
San Antonio, TX
06.2002 - 02.2008
- Analyzed claims to determine company liability and negotiated settlements for moderate to severe liability and bodily injury claims.
- Investigated suspected insurance fraud, providing evidence for recovery of overpayments and training staff on fraud indicators.
- Served as primary contact for complex material damage claims, establishing reserves and authorizing payments within delegated authority.
- Maintained up-to-date knowledge of insurance lines, court decisions, and claims guidelines to ensure compliant claims processing.
Education
Criminal Justice (2years toward Juris Doctorate) -
CONCORD UNIVERSITY SCHOOL OF LAW
05.2009
Criminal Justice (Bachelor of Science in Criminal Justice) -
KAPLAN UNIVERSITY
09.2007
Associate - Fraud Claim Law
AMERICAN EDUCATION INSTITUTE
10.2001
Skills
- Alternative Dispute Resolution
- Insurance claims adjusting
- Claims negotiation
- Liability
- Property damage claims
- Insurance fraud investigation
- Claim investigation
- Regulatory compliance in claims processing
- Insurance policy review
- Insurance claims litigation
- Report writing
- Customer communication
- Catastrophe claims
- Auto insurance knowledge
- Property insurance knowledge
Personal Information
- Title: Sr. Claims Examiner and Dispute Resolution Specialist/Mediation/NOI Pre-litigation Specialist
- Work Permit: US work authorization
- Visa Status: US work authorization
- SIU Ivestigation Experience
Additional information
Detailed knowledge of Bank Secrecy Act, USA Patriot Act, and Office of Foreign Assets Control laws and regulations. Knowledge of investigative procedures, interviewing techniques, data mining, reporting and information system retrieval tools, (Fortent, ODS, Oracle, Lexis-Nexis). Knowledge of fraudulent schemes and patterns and money laundering activities. Ability to recognize the difference between money laundering and fraudulent schemes and patterns, (structuring, commingling of funds, etc.). Act with due diligence and qualitative customer contact as necessary. Maintain technical competency within the area of specialization, provide expert testimony.
Timeline
CLAIM Desk Examiner and Alternative Dispute Resolution/Mediation/NOI Pre-litigation Claims Examiner
Heritage Insurance
10.2018 - 10.2026
Independent Adjuster, Contractor
Deployed for Hurricane Harvey and Hurricane Irma
09.2017 - 10.2018
SR PROPERTY DAMAGE ADJUSTER/SPECIAL INVESTIGATOR
ACCC Insurance
04.2011 - 06.2016
SR PROPERTY DAMAGE ADJUSTER/SPECIAL INVESTIGATOR
Pronto Insurance
11.2010 - 04.2011
RISK OPERATIONS ANALYST II
Inventory Management ControlJP Morgan Chase
01.2009 - 11.2010
SPECIALIST II (INVESTIGATOR)
Crosby Technologies
07.2008 - 09.2008
Licensed Private Investigator
Magnum Investigations
05.2008 - 07.2008
PRIVATE INVESTIGATOR
Global Options Group
02.2008 - 06.2008
CASUALTY MASTER CLAIMS REPRESENTATIVE
Titan Insurance
06.2002 - 02.2008
Associate - Fraud Claim Law
AMERICAN EDUCATION INSTITUTE
Criminal Justice (Bachelor of Science in Criminal Justice) -
KAPLAN UNIVERSITY
Criminal Justice (2years toward Juris Doctorate) -
CONCORD UNIVERSITY SCHOOL OF LAW