Job Description

Position Purpose:

The First Notice of Loss (FNOL) Specialist is responsible for efficiently processing and managing FNOL requests through multiple communication channels, ensuring the accurate initiation and verification of insurance claims. This role serves as a critical link between insurance carriers, adjusters, and internal teams by obtaining and validating claim information, confirming insurance coverage, and maintaining complete and accurate documentation. The position supports the timely progression of claims by identifying and resolving data discrepancies, monitoring pending requests, and routing cases to the appropriate departments. Through adherence to client requirements, regulatory standards, and established operating procedures, the FNOL Specialist helps ensure operational excellence, quality outcomes, and a seamless claims handling process while consistently meeting productivity, turnaround time, and performance expectations.

Essential Functions and Responsibilities:

• Process FNOL requests through inbound and outbound transactions (phone, email, portals, and other channels)
• Initiate claims with insurance carriers and obtain required details such as claim numbers, adjuster information, and coverage status
• Verify active insurance coverage for adverse parties at the time of loss and document findings accurately
• Maintain complete, accurate, and timely documentation of all claim-related information in internal systems
• Identify and resolve missing or inconsistent data to ensure file readiness and quality
• Route cases to appropriate teams (Insurance or Uninsured Motorist department) based on verification outcomes
• Monitor and follow up on pending FNOL requests or unresolved verification statuses
• Communicate professionally with insurance carriers, adjusters, and internal stakeholders to support claim progression
• Adhere to client requirements, regulatory standards, and internal FNOL SOPs
• Meet defined productivity, turnaround time, and quality performance expectations

Qualifications

Minimum Job Requirements (Education, Experience, Skills):

• Education: At least 2 years of college or equivalent work experience
• Experience:
  • Preferably with experience in insurance, claims handling, or subrogation operations
  • Background in BPO or transaction processing is an advantage
• Skills:
  • Strong verbal and written communication skills
  • High attention to detail and accuracy
  • Strong organizational and time management skills
  • Ability to handle multiple tasks in a fast-paced environment
  • Basic proficiency in MS Office and system navigation