Application Fraud Specialist

Job TypePermanentBuild a brilliant future with HiscoxPlease note that this position is hybrid and requires work in office a minimum of two (2) days per week. Our office is located in Atlanta, GA (sandy Springs/Dunwoody area) and only local candidates will be considered.The RoleWe are looking for an analytical and proactive Application Fraud Specialist to join the Group Counter Fraud function and play a pivotal role in strengthening our fraud resilience across the underwriting lifecycle. This is a new and exciting opportunity to join Hiscox and make a real difference in a key area of our business.The successful candidate will be responsible for identifying, investigating, and mitigating application fraud risks across Group and multiple lines of business, ranging from SME to large corporate policies, by leveraging enriched data sources, advanced analytics, and emerging technologies.You’ll work closely with underwriting, claims, and data science teams to develop fraud indicators, refine detection models, and embed fraud controls into core systems and workflows. This is a hands-on, high-impact role that offers the opportunity to shape future capabilities, influence strategic decisions, and contribute to a culture of integrity and vigilance across the organisation.You will be interacting with Senior stakeholders across the organization, influencing others and critical thinking will be key to overcoming challenges.Key ResponsibilitiesLead investigations into suspected application fraud at all stages of the underwriting journey.Develop and apply fraud indicators tailored to business lines.Collaborate with underwriting, claims, and data science teams to build and refine fraud detection models.Work with external data sources (e.g. credit reference agencies, Companies House, Land Registry) to enrich internal datasets.Maintain and evolve centralised tools and processes for fraud case management.Build and maintain effective links between industry counterparts.Provide training and guidance to junior staff and business units on fraud detection best practices.Liaise with vendors and internal stakeholders to ensure effective investigation workflows.Use industry intelligence to direct local strategies.Able to produce accurate, timely and relevant management reporting of the success of the counter fraud strategy.Candidate profile The ideal candidate will bring proven experience in fraud detection or investigation, within the insurance industry. They will have a strong grasp of underwriting processes and fraud typologies, and be comfortable working with data enrichment techniques, machine learning models, and fraud analytics. This individual will be a confident communicator with excellent stakeholder management skills, capable of building strong cross-functional relationships. They will thrive in a fast-paced environment, demonstrating the ability to work both independently and collaboratively to drive fraud resilience and innovation.Desirable Skills And ExperienceDemonstrable investigative-related experience essential within the insurance sectorMinimum 3 years in fraud investigationAbility to effectively communicate with all stakeholders across the businessAble to take prioritize and take ownership of tasksAnalytical approach to working with a keen eye for detailReceptive to new ideas and opportunities to innovatePreferred experience using fraud detection and reporting systemsA team player who is also able to work independently to deliver in a fast-paced environmentAble to adapt to change positively and quicklyInsurance industry experience preferredStrong interpersonal and organisational skillsThe actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment.About Hiscox USA Hiscox USA was established in 2006 to focus primarily on the needs of small and middle market commercial clients, via both the broker and direct distribution channels and is today the fastest-growing business unit within the Hiscox Group. Today, Hiscox USA has a talent force of about 420 employees mostly operating out of several major cities - New York, Atlanta, Chicago, West Hartford, and Scottsdale. Hiscox USA offers a broad portfolio of commercial products, including technology, cyber & data risk, multiple professional liability lines, media, entertainment, management liability, crime, kidnap & ransom, commercial property and terrorism. What We Offer401(k) with competitive company matching  Comprehensive health insurance, vision, dental and FSA plans (medical, limited purpose, and dependent care)   Company paid group term life, short- term disability and long-term disability coverage  24 Paid time off days plus 2 Hiscox days,10 paid holidays plus 1 paid floating holiday, and ability to purchase up to 5 PTO days  Paid parental leave  4-week paid sabbatical after every 5 years of service  Financial Adoption Assistance and Medical Travel Reimbursement Programs  Annual reimbursement up to $600 for health club membership or fees associated with any fitness program  Company paid subscription to Headspace to support employees’ mental health and wellbeing  2024 Gold level recipient of Cigna’s Healthy Workforce Designation for having a best-in-class health and wellness program  Dynamic, creative and values-driven culture  Modern and open office spaces, complimentary drinks  Spirit of volunteerism, social responsibility and community involvement, including matching charitable donations for qualifying non-profits via our sister non-profit company, the Hiscox USA Foundation  You can follow Hiscox on LinkedIn, Glassdoor and Instagram (@HiscoxInsurance).Work with amazing people and be part of a unique culture