Open to opportunities

Dave Cummings

@davecummings

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Senior SIU investigator and fraud examiner focused on thorough claims, coverage, and recovery investigations.

United States

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What I'm looking for

I’m looking for a senior SIU/fraud role where I can lead complex injury and coverage investigations, conduct EUOs and medical reviews, use fraud indicators and investigative tools, and focus on accurate determinations that protect recoveries.

I’m a staff SIU investigator with extensive experience investigating insurance claims losses, including criminal and civil procedure workflows. Since 2024, I’ve led auto, bodily injury, and PIP investigations—assessing injury viability, performing clinic inspections, reviewing medical documentation, and administering recorded EUOs to produce written findings.

From 2013–2024, I conducted complex SIU investigations across auto, property, commercial, general liability, and injury claims, including independent medical examinations (IME), liability/coverage investigations using NICB fraud indicators, and detailed documentation for OIC and 626 requests. Earlier, I served as a Special Investigator in federal counterintelligence and also held leadership roles as a Branch Manager/Banking Officer and a Senior Police Officer—bringing disciplined investigative rigor, risk awareness, and strong reporting to every case.

Experience

Work history, roles, and key accomplishments

Current

Senior SIU Investigator

Current

The General Insurance

Jan 2024 - Present (2 years 4 months)

Conduct investigations into auto, bodily injury claims, and PIP. Manage EUOs and compile written findings and OIC/626 requests using ISO, Carfax, and Vehicle Sightings Report to support coverage/payment recommendations and recoveries.

SIU Investigations Auto And Bodily Injury Claims PIP Claims EUO Interviews NICB Fraud Indicators ISO Car Fax OIC 626 Requests

SIU Field Investigator

State Farm

Jan 2013 - Jan 2024 (11 years)

Conduct complex SIU investigations into auto, property, commercial, general liability, and injury claims. Perform clinic inspections and order IMEs, administer recorded EUOs, and produce written reports and 626 requests using NICB fraud indicators and investigative tools like ISO and Carfax.

SIU Investigations Injury Claim Viability Clinic Inspections EUO Interviews NICB Fraud Indicators ISO Car Fax 626 Requests

Special Investigator

U.S. Federal Investigative Services Division

Jan 2010 - Jan 2013 (3 years)

Conducted complex counterintelligence and background investigations for defense intelligence and military personnel. Analyzed OPM databases and all-source computerized data, conducted subject interviews, and produced formatted written reports while coordinating with multiple federal agencies.

Counterintelligence Background Investigation OPM Database Analysis Subject Interviews

Branch Manager / Vice President

Maryland Bank NA

Jan 2003 - Jan 2010 (7 years)

Managed and coached regional financial sales and service teams, expanded branch portfolios through community networks, and led performance management, reviews, and hiring recommendations. Oversaw operations management including internal audits for cash and negotiable instruments compliance, and approved wires/ACH transactions (up to $5 million) while completing SAR/CTR reporting for US Patriot Act

Branch Management Performance Management Internal Audit AML Compliance Hiring Recommendations