DEPARTMENT OF INSURANCE AND FINANCIAL INSTITUTIONS

The Department of Insurance and Financial Institutions licenses monitors investigates examines and ensures the safety and soundness of regulated entities. The Department also helps resolve consumer complaints against financial-services and insurance entities; takes action in response to violations of law; encourages competition innovation and economic development; collects taxes and assessments that support State government operations; combats auto theft and insurance fraud through public awareness campaigns and funding for law enforcement and dedicated prosecutors.

Our mission is to help Arizonans receive the benefits and protections to which they are legally entitled by enforcing insurance and financial institution laws and by providing information and assistance and to combat vehicle theft.

100 North 15th Avenue

Phoenix Arizona 85007

Annual Salary Range: $50000 - $53500

Grade: 20

This position will close on June 27 2025

The Consumer Affairs Analyst reviews researches analyzes investigates responds to and resolves a wide array of technical insurance related questions and complaints (sometimes adversarial) involving all kinds of insurance companies insurance professionals and intermediaries as well as entities outside the agencys jurisdiction; assists consumers with insurance issues of varying degrees of difficulty by phone in writing and in person; may assist policyholders at remote sites following disaster events; may participate in consumer outreach programs.

RESOLVE CONSUMER COMPLAINTS:

Set up complaint file including data and documents in applicable databases; correspond with consumers to clarify complaints; determine whether complaint is within the agencys jurisdiction and if not correspond with consumer and refer to correct jurisdiction when possible

Obtain analyze and investigate records complex contracts insurance policies claim files financial data and other information from the subject of the complaint

Request draft subpoenas for documents when necessary; research and properly apply federal and state insurance-related laws rules and regulations; query agency databases and Internet-based information; determine whether the subject of the complaint failed to comply with laws or insurance contract provisions

Recommend to supervisor actions to be taken and resolutions of problems; coordinate with agency investigators on cases that appear to involve violations of Arizona insurance laws or rules

Coordinate with market conduct analysts when cases appear to indicate a suspect has systemic problems or has general business practices that violate law

Participate in administrative hearings regarding insurance matters; correspond with insurance-related entities on developing implementing and monitoring corrective action plans

Inform insurance consumers about complaint investigation decisions with explanations

RESPOND TO A WIDE ARRAY OF QUESTIONS AND REQUESTS FOR ASSISTANCE:

By phone in writing and in person educate citizens on insurance law and matters; guide citizens to federal/state/local agencies resources and publications thatcan best address citizen needs

Guide individuals and businesses to resources to help them find insurance coverage for various types of risks

CROSS-TRAINING:

Learn how laws rules regulations terms and concepts relate to the operations of various types of Insurance entities regulated by the agency

Learn FI-related laws and rules; agency policies and procedures through on-the-job training

Participate in cross-training with financial institutions (FI) consumer services section

Become familiar with FI terms concepts and generally accepted industry practices

PARTICIPATE IN PUBLIC EDUCATION AND OUTREACH:

Participate in producing online resources (e.g. web content publications) that address questions the agency receives or that notifies the public about issues of concern

Deliver slide presentations to internal stakeholders and consumers to help; educate them about insurance topics provide information about how to file insurance claims general information regarding appeals process and about the roles of the various types of insurance-related entities etc

Help individuals and businesses find insurance- and non-insurance-related contacts who can render assistance; meet with consumers to answer questions regarding various insurance related topics

Travel to remote locations to help consumers impacted by catastrophic losses and to locations of public education events

Facilitate communication with insurers and other licensed entities regarding insurance matters

EMPLOYEE EDUCATION AND TRAINING:

Complete training to develop knowledge skills and abilities to become increasingly efficient and effective in fulfilling job responsibilities and any other training as assigned

AGENCY IMPROVEMENT:

Actively participate in meetings and working groups designed to identify develop and implement improvements to systems processes and information resources to help the agency and the consumer support program achieve their missions more efficiently and effectively

Knowledge:

Insurance-related laws and rules (Title 20 and AAC Title 20 Chapter 6); agency policies and procedures. Insurance terms concepts and generally accepted industry practices. How laws rules regulations terms and concepts relate to the operations of various types of entities regulated by the agency

Indicators (red flags) of law violations relating to different lines of insurance. Acquired through on-the-job training and by independent study

Computer software such as Google Docs Google Sheets Microsoft Word (word processing) Microsoft Excel (spreadsheets) and Microsoft Access (database)

Insurance-related areas of law such as the Employee Retirement Income Security Act (ERISA) Medicare laws and regulations. Acquired through on-the-job training or by independent study

Professional correspondence formats and grammar usage in written and verbal communications

Functions and duties of each division of the agency. Acquired through on-the-job training

Principles and practices of administration and Arizona Management System principles

The investigation processes methods and tools and file documentation

Negotiation and mediation methods

Skills:

Planning organizing coordinating and establishing priorities for a varied workload developing cogent investigative plans and conducting relevant research

Applying reason and sound judgment to the review decisions and recommendations on issues of significant complexity and difficulty

Using judgment to adapt to changing conversational dynamics

Applying laws rules and statutes to applicable scenarios

Handling difficult communication scenarios

Abilities:

Reading and properly interpreting complex legal contracts insurance policies third-party administration agreements and other technical and complex documents in relation to relevant laws rules and policies

Interpreting the practices and procedures of insurance companies producers adjusters bail bonds agents surplus lines brokers and other licensed entities as governed by Arizona laws rules and policies

Independently communicating clearly effectively and diplomatically in writing in person and on the telephone in routine and complex situations with consumers attorneys insurers producers licensed entities agency staff and other state and federal employees through the use of proper English spelling and vocabulary

Working cooperatively to establish and maintain effective professional working relations with supervisor agency staff insurers producers other regulated entities consumers and other parties seeking information or assistance from the agency

Ten-keying alphabetizing organizing information numerically and using standard office equipment (photocopier fax telephone folding machine etc.)

Providing honest thoughtful input in group and one-on-one meetings

Writing typing and proofreading documents

A minimum of 2 years of work experience in insurance in a customer-service capacity

If this position requires driving or the use of a vehicle as an essential function of the job to conduct State business then the following requirements apply:Drivers License Requirements.

The State of Arizona offers a comprehensive benefits package to include

Optional employee benefits include short-term disability insurance deferred compensation plans and supplemental life insurance

Life insurance and long-term disability insurance

Vacation plus 10 paid holidays per year

Health and dental insurance

Retirement plan

Sick leave

Learn more about the Paid Parental Leave pilot programhere. For a complete list of benefits provided by The State of Arizona please visit our benefits page

Positions in this classification participate in the Arizona State Retirement System (ASRS)

Note that enrollment eligibility will become effective after 27 weeks of employment

If you have any questions please feel free to contact Debbie Muhlestein at @