Senior Auto Adjuster | Complex Non-Injury Claims

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.

We are proud to support active-duty military spouses. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.

The Opportunity

Join Our Team and Receive up to $8,000 in Sign-On Bonus Payments!
New hires are eligible for up to $8,000 sign-on bonus payments, with the first of three payments paid after successful completion of new hire onboarding & training, subject to eligibility requirements.

Why You'll Love This Opportunity:

• Competitive compensation and comprehensive benefits
• Eligibility to participate in an Annual Incentive Program 
• Company-sponsored pension plan to help support your future retirement goals
• Career growth and development opportunities
• Supportive team environment
• Up to $8,000 in sign-on bonus payments, subject to eligibility requirements

Bonus payments are subject to applicable withholdings and eligibility requirements. Annual bonus and pension benefits are subject to applicable plan terms and eligibility requirements.

Start Strong. Build Your Future.

We don't expect you to master a new company, new systems, and complex claim processes on your own.

For your first three months, you'll work onsite at our Phoenix campus. You'll receive hands-on training, focused coaching, and support from experienced teammates and leaders as you learn the role and build confidence in USAA's claims environment.

Once you successfully complete onboarding, you'll transition to a flexible hybrid schedule requiring three days each week in the office.

This position is based in Phoenix. Relocation assistance is not available for this role.

What You'll Do

• Manage complex auto claims from initial investigation through resolution, including multi-vehicle accidents, coverage disputes, disputed liability, comparative negligence, physical damage, and total loss.
• Investigate and evaluate claims by analyzing policy language, statements, evidence, damages, and applicable laws to make timely, well-supported coverage, liability, and settlement decisions.
• Evaluate and negotiate first- and third-party physical damage claims within established settlement authority.
• Use Guidewire ClaimCenter, investigation resources, digital collaboration tools, and data-informed insights to document decisions and advance claims efficiently.
• Proactively manage an assigned claims inventory by prioritizing work, anticipating next steps, maintaining documentation discipline, and driving each claim toward timely resolution.
• Deliver exceptional service through empathy, proactive communication, clear expectations, and ownership while effectively navigating difficult claim situations.
• Collaborate with managers, appraisers, technical resources, and business partners to resolve complex issues and create a seamless experience for members and claimants.
• Support workload surges and catastrophe-response operations as needed, including mandatory on-call dates and potential evening, weekend, and holiday work outside normal business hours.
• Travel or deploy with minimal notice during designated catastrophe events and perform additional duties based on business needs.

What You Have

• High school diploma or General Equivalency Diploma (GED).
• Experience handling auto physical damage claims, including repair related claim decisions and settlements.
• 3 years of recent auto claims adjusting experience, including handling auto liability claims involving coverage investigations, disputed liability, and comparative negligence.
• Experience independently managing an assigned auto claims inventory from investigation through resolution.
• Acquisition and maintenance of required insurance adjuster licensing within 90 days and three attempts.
• Successful completion of a job-related assessment may be required.

What Sets You Apart

• 4 years of recent auto claims adjusting experience, including auto liability claims involving coverage investigations, disputed liability, and comparative negligence.
• Total loss experience, including vehicle valuation and settlement negotiation.
• Experience mentoring, coaching, or serving as a technical resource to other claims professionals.
• Active adjuster's license or multiple state adjuster licenses.
• Guidewire Claim Center experience.
• Bachelor's degree.
• US military experience through military service or as a military spouse/domestic partner.

What Success Looks Like

You uncover the facts. You make the decision. You move the claim forward. Members and claimants know what is happening and what comes next. Your files tell a clear story. Your decisions are timely and supported. You take ownership through resolution, even when the path is complicated. Most importantly, you bring members peace of mind and confidence when they need it most.

This Is More Than Your Next Claims Job

It's a chance to apply everything you've learned, deepen your expertise, and open new doors. The experience you build here can prepare you for future opportunities in injury claims, catastrophe response, litigation, quality assurance, learning and development, technical coaching, and claims leadership.

Compensation range:  The salary range for this position is: $57,970 - 97,820

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.