Subrogation Specialist Intermediate

Company: USAA
Location: Huntersville
Posted on: March 17, 2026

Job Description:

Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the 1 choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity Within defined guidelines and framework, provides specialized Auto claims service in the recovery of payments made to USAA members by legally pursuing through arbitration a third party that caused an insurance loss to the insured. The Subrogation Specialist may also defend through arbitration claims by other insurance carriers against USAA. What you'll do: - Conduct claim investigations for moderate to high complexity cases in arbitration by analyzing the facts surrounding a loss to reach a recovery conclusion, including recorded statements, securing public records and analyzing report findings. - Apply advanced knowledge of P&C insurance industry products, services and processes to include P&C insurance policy contracts and coverages, common law, contract law, state statutes, evidence and damages, and arbitration program rules. - Generate contentions that accurately illustrate the facts of loss to effectuate maximum indemnity recovery or defense based on thorough analysis of claim and applicable program rules in Automobile, Medical Pay, or Personal Injury Protection (PIP) claims. Recognizes and documents subrogation, SIU, and salvage opportunities, and refer accordingly. - Reimburse policyholder's deductible after recovery is made. - Serve as an arbitrator who reviews contentions and evidence submitted by multiple carriers and renders decisions that appropriately cite program rules, statutory language, and other considerations to articulate the rationale for the decision reached. - Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: - High School Diploma or General Equivalency Diploma required. - 2 years claims adjusting experience. - Acquisition and maintenance of insurance adjuster license within 90 days and designated number of attempts. - Ability to pass required exams to serve as a panelist in arbitrations for Automobile, Medical Pay, or Personal Injury Protection (PIP) claims within 90 days (which requires 3 years claims adjusting experience). - Advanced knowledge of common law, contract and negligence laws. - Ability to confidently resolve issues and negotiate fair settlements. - Strong written communication skills with excellent attention to detail and accuracy. What sets you apart: - Three years of Liability Claims Experience. Compensation range: The salary range for this position is: $63,590 - $121,530. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on USAAjobs.com Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Keywords: USAA, Winston-Salem , Subrogation Specialist Intermediate, Legal , Huntersville, North Carolina