David O'Carroll
Geneva
Summary
Accomplished SIU leader with 27+ years of investigative experience and a proven record of delivering high-exposure, defensible results for Fortune 200 clients. Conducted 3,000+ in-person interviews, including C-suite and senior leadership, and led complex, multi-jurisdictional investigations involving multimillion-dollar exposures. Expert in interviewing, data mining, background investigations, evidence collection, medical provider fraud, and compliance alignment. Known for strengthening business relationships through clear communication, reliable reporting, and exceptional client service.
Overview
27
27
years of professional experience
1
1
Certification
Work History
Senior Investigator
CHUBB Insurance
02.2017 - Current
- Consistently exceeded performance expectations, establishing a reputation as a high achiever in investigations.
- Collaborated with senior leadership, including a significant meeting with Michael Smith in 2024
- Played a pivotal role in Major Case Investigations in New York and Tennessee, resulting in significant savings
- Delivered impactful presentations to key clients at Chubb, on a National level, showcasing investigative findings, strategy, and branding.
- Currently leading a high-stakes medical provider case in Tennessee, managing millions in potential exposure.
- Conducted quarterly training sessions for new hires, elevating investigative standards within the SIU community.
- Managed a robust portfolio of investigations, demonstrating the value of SIU in local offices.
- Selected for multiple special projects, enhancing skills and preparing for leadership opportunities within Chubb.
Senior Investigator
American Family Insurance
03.2011 - 01.2017
- Achieved enhanced training effectiveness by serving as Claim Curriculum Expert for American Family Insurance.
- Collaborated with the Education Division to develop targeted training resources for claims staff.
- Selected by SIU Manager to leverage interviewing skills for training initiatives across departments.
- Won the WOW National Award presented in Miami, Florida, across the whole enterprise.
- Facilitated hands-on experiences, including interviews and clinic inspections, to improve operational understanding.
- Participated in industry meetings to align SIU practices with current legal standards.
- Contributed to building a culture of integrity and thoroughness within the investigations team.
Special Investigator
Chubb & Son, Chicago, Illinois
01.2009 - 03.2011
- Revitalized the SIU program, significantly increasing fraud prevention awareness within claims process.
- Achieved a dramatic increase in SIU referrals through innovative investigative strategies and outreach.
- Established a collaborative culture across fourteen states, fostering teamwork among claims, service centers, and underwriting.
- Developed strong relationships with claims staff, enhancing communication and partnership across regions.
- Published bi-annual newsletters highlighting team successes and best practices in fraud prevention.
- Conducted multi-million-dollar investigations nationwide, applying expert techniques to yield impactful results.
- Delivered engaging presentations to Claims and Underwriting teams, receiving outstanding feedback for effectiveness.
- Trained claims staff on identifying potential fraud indicators and enhancing investigative skills.
Lead Investigator
GEICO Direct, Chicago, Illinois
01.2004 - 01.2009
- As a Lead Investigator, I coached and trained Senior Investigators, providing guidance and direction in developing strategic investigative plans and determining effective courses of action for complex cases. I was responsible for creating and delivering presentations and training sessions for claims staff at our regional office, focusing on the identification and prevention of fraud-related issues. I played an instrumental role in the development of annual goals, performance objectives, and business planning for the SIU, contributing to both team and organizational success. In addition to my leadership duties, I maintained an active caseload, managing an average of 20 complex investigations per month. I was also responsible for building GEICO’s national Medical Fraud Program and was the creator of the Medical Clinic Inspection Program, two initiatives that strengthened the company’s fraud detection capabilities and set new standards for investigative excellence across the organization.
DTI Senior Investigator
CNA Insurance, Downers Grove, Illinois
01.2003 - 01.2004
- As an SIU Investigator, I was responsible for managing Workers’ Compensation and General Liability investigations through the oversight of approved SIU vendors. In this internal role, I provided training to claims staff on SIU processes, fraud indicators, and investigative best practices, significantly improving fraud awareness across the region. I managed various investigative vendors to ensure all cases were handled accurately, efficiently, and in compliance with company standards. Through my leadership and proactive approach, I achieved the highest volume of SIU referrals ever recorded at this regional office — a direct result of my training initiatives and commitment to strengthening anti-fraud practices. Additionally, I led data mining initiatives across multiple entities and was instrumental in establishing business contracts with several nationally recognized SIU vendors, expanding the organization’s investigative capabilities and operational reach.
Special Investigator
Royal & Sun Alliance Insurance, Naperville, Illinois
01.1999 - 01.2003
- As a Special Investigator with Investigative Resources Global, I demonstrated the ability to work independently and effectively in a remote capacity, managing an average of 15 complex investigations per month. My responsibilities included conducting on-site investigations, interviewing witnesses, obtaining statements, and performing scene examinations, while leveraging investigative databases such as Accurint, AutoTrack and ISO to support case development. I handled cases across multiple lines of business, including General Liability, Workers’ Compensation, Life, Property, and Casualty, showcasing versatility and depth of expertise. My role required extensive travel throughout the Midwest region—covering states such as Minnesota, Missouri, Indiana, Wisconsin, Kansas, Iowa, North Dakota, South Dakota, and Illinois—to conduct detailed and high-impact investigations. I maintained an active presence at IASIU meetings, ensuring alignment with industry best practices and emerging fraud trends. My work placed a particular emphasis on provider fraud, where I developed advanced expertise and became a subject matter expert in medical provider investigations.
Education
Bachelor of Science -
Lewis University
Romeoville, ILHigh School Diploma - undefined
North Mon Secondary School
Cork, IrelandBachelor of Science -
Illinois State University
Normal, ILSkills
- Subject Matter Expert on Fraud - All Lines of Business
- Presentation and Motivational Skills
- Interviewing skills, evidence and background expert
- Results Driven
- Team development
- Project Management
Accomplishments
5 years in a row, exceeding expectations, Performance Reviews for CHUBB
Leadership Development Certified
Certified Scientific Content Analyst (LSI) - 2010
Certified Insurance Fraud Investigator (CIFI)
Fraud Claims Law Specialist (FCLS)
WOW AMFAM Award, American Family Insurance - 2016
Midwest Investigator of the Year - GEICO - 2007
National IASIU Award Nominee - GEICO - 2005
Affiliations
Current Illinois IASIU VP of the Illinois Chapter (ILIASIU.net)
Certification
- Completion of 120 Hr. course in Fraud Claims Law, obtaining Fraud Claims Law Specialist designation in 2006. FCLS. The courses involved included Recognizing Fraud, Common Law and The Courts, Proving Fraud, Policy and Requirements, Investigation and Defense, Avoiding Bad faith and Civil Liability, Auto Insurance Fraud.
- Certified Insurance Fraud Investigator designation in 2010. CIFI. Completion of a two-hour exam on topics related to insurance investigations and insurance fraud. The CIFI designation is the gold standard for insurance investigators, according to the International Association of Special Investigations Units
Languages
English
Timeline
Senior Investigator
CHUBB Insurance
02.2017 - Current
Senior Investigator
American Family Insurance
03.2011 - 01.2017
Special Investigator
Chubb & Son, Chicago, Illinois
01.2009 - 03.2011
Lead Investigator
GEICO Direct, Chicago, Illinois
01.2004 - 01.2009
DTI Senior Investigator
CNA Insurance, Downers Grove, Illinois
01.2003 - 01.2004
Special Investigator
Royal & Sun Alliance Insurance, Naperville, Illinois
01.1999 - 01.2003
High School Diploma - undefined
North Mon Secondary School
Bachelor of Science -
Lewis University
Bachelor of Science -
Illinois State University
PROFILE
- With more than 27 years of investigative leadership, I have directed high-stakes, multi-jurisdictional casework across the United States. Over my career I have been involved in high exposure investigations that made news headlines. I played a central role in two major, high-visibility matters — a $100 million case in New York and a $6 million case in Tennessee — where my strategic approach and deep subject-matter expertise helped drive successful outcomes and preserve significant business relationships.
- Throughout my career, I have been trusted to lead investigative teams, oversee complex, multi-million-dollar claims, and deliver precise, defensible results under pressure. Known for strong operational management and consistent execution, I have repeatedly contributed to client retention by providing clear guidance, reliable reporting, and confidence in the final work product.
- I have designed and implemented medical fraud programs for SIU departments, driving significant increases in referrals and contributing meaningfully to organizational performance. Known for strong interpersonal skills, I work effectively with clients, colleagues, and stakeholders at all levels.
- My investigative background spans all lines of business, including fine art and jewelry losses, suspicious fires, theft, medical claims, workers’ compensation, commercial claims, and life insurance cases. I have delivered presentations across claims departments to raise fraud awareness, resulting in measurable growth in the identification of suspicious claims requiring further investigation.
- Highly detail-oriented and adaptable, I excel in fast-paced environments and have experience managing budgets associated with investigative business plans. As Lead Investigator for the Midwest SIU, I supervised staff, monitored workflow productivity, reviewed investigative findings, and provided ongoing coaching and direction.
- At CHUBB, I completed and was selected for the Executive Mentee Program in 2025 and in 2023 Aspiring Management Program and received training in FMLA, coaching, business planning, budgeting, performance appraisals, and team building. In addition to my core responsibilities, I currently serve as Vice President of the Illinois IASIU (Ilasiu.com) and have been a board member of the local chapter since 2006. I also participate in NICB task forces and hold memberships in NICB, IASIU, IATTI, CFE, and NSPII. I maintain strong professional relationships within the law enforcement community and routinely assist with joint investigations.
PROFESSIONAL RESPONSIBILITIES DISPLAYED
- Selected for the Executive Mentee Program in 2025, where I would shadow an executive for 1 year.
- Selected for the Aspiring Management Program at CHUBB in 2019, a six-week course was completed.
- Currently, one in two individuals across the nation is a designated Subject Matter Expert Trainer, presenting to new hires around the country
- Completed Basic and Advanced Training in Scientific Content Analysis Interviewing (SCAN) with a focus on paralinguistics
- Responsible for building the Medical Fraud and Life Fraud programs at American Family.
- Only SIU person selected nationwide at American Family to be in the Aspiring Leadership Program.
- Designated Claims Curriculum Expert for SIU within American Family Claims
- Medical Fraud Expert and Mentor for Nationwide Claims centers and SIU staff and has developed training for investigators and claims teams within the field of Medical Fraud.
- Dedicated Trainer for claims new hires and SIU new hires at American Family Insurance
- Ascertained CIFI designation in 2010.
- At Chubb & Son, I trained the core staff and WCSC on SIU topics via in-person PowerPoint investigations. I have dealt with the Chubb clientele and have successfully investigated suspicious claims involving high-profile clients.
- Current Vice President of the Illinois Chapter of IASIU and have served on the Board of Directors at IASIU (www.iliasiu.com) elected to this position in 2004. I have been the past President at this same organization, serving on national legislative committees.
- Instrumental in building the Clinic Inspection program at GEICO within the Midwest.
- Had been responsible and implemented training on the use of cell phones in the investigations of suspect claims at the National Academy once a year.
- I have trained the Midwest Claims Office Staff quarterly on SIU topics. 2006-2009
- Referrals to local law enforcement agencies when appropriate
- Ascertained FCLS designation in 2006 (American Education Institute)
- GEICO National Investigator of the Year 2005
- Nominated IASIU National Investigator 2006 in Palm Springs, CA.
- Served on the CCOR national council in 2006, representing GEICO.
- Coaching SIU staff in the Midwest for GEICO as a Lead Investigator.
- Responsible for their workflow productivity, reviewing investigations, and providing feedback and direction. Trained in FMLA, Coaching, Business planning, budgeting, performance appraisals, and team building
- Built a vendor management program for multi-line investigations, along with a Legal panel that specializes in fraud-related issues.
PROFESSIONAL EDUCATION (continued)
Seminars related to ALL insurance fraud-related topics, from interviewing techniques, arson, Life, medical fraud, property, GL claims, and workers’ compensation claims investigations.