Job Type:
Permanent
Build a brilliant future with Hiscox
Application Fraud Specialist – Group Claims
Reporting to: Group Head of Fraud & Recoveries – Group Claims
London or York - Hybrid working - min of 2 days in the office per week
The role
We 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 organisation, influencing others and critical thinking will be key to overcoming challenges.
Key responsibilities
1. Lead investigations into suspected application fraud at all stages of the underwriting journey.
2. Develop and apply fraud indicators tailored to business lines.
3. Collaborate with underwriting, claims, and data science teams to build and refine fraud detection models.
4. Work with external data sources (e.g. credit reference agencies, Companies House, Land Registry) to enrich internal datasets.
5. Maintain and evolve centralised tools and processes for fraud case management.
6. Build and maintain effective links between industry counterparts.
7. Provide training and guidance to junior staff and business units on fraud detection best practices.
8. Liaise with vendors and internal stakeholders to ensure effective investigation workflows.
9. Use industry intelligence to direct local strategies.
10. 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, preferably within the insurance or financial services sector. 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 experience
11. Demonstrable investigative-related experience essential within insurance or Financial Services sector.
12. Minimum 3 years in fraud investigation
13. Ability to effectively communicate with all stakeholders across the business
14. Able to take prioritise and take ownership of tasks
15. Analytical approach to working with a keen eye for detail
16. Receptive to new ideas and opportunities to innovate
17. Preferred experience using fraud detection and reporting systems
18. A team player who is also able to work independently to deliver in a fast-paced environment
19. Able to adapt to change positively and quickly
20. Strong interpersonal and organisational skills
About Hiscox
As an international specialist insurer, we are far removed from the world of mass market insurance products. Instead, we are selective and focus on our key areas of expertise and strength - all of which is underpinned by a culture that encourages us to challenge convention and always look for a better way of doing things.
We insure the unique and the interesting. And we search for the same when it comes to talented people. Hiscox is full of smart, reliable human beings that look out for customers and each other. We believe in doing the right thing, making good and rebuilding when things go wrong. Everyone is encouraged to think creatively, challenge the status quo, and look for solutions.
Scratch beneath the surface and you will find a business that is solid, but slightly contrary. We like to do things differently and constantly seek to evolve. We might have been around for a long time (our roots go back to 1901), but we are young in many ways, ambitious and going places. Some people might say insurance is dull, but life at Hiscox is anything but. If that sounds good to you, get in touch. You can follow Hiscox on LinkedIn, Glassdoor, and Instagram (@HiscoxInsurance)
Hiscox Values
Our core values of Courage, Integrity, Ownership, being Human and staying Connected underpin a reputation we have earned for integrity and decent behaviour in everything we do, which we firmly believe is good for the morale of staff and for the results of the business. We believe strongly in our values and endeavour to live by them every day.
Diversity and flexible working at Hiscox
At Hiscox we care about our people. We hire the best people for the job, and we are committed to diversity and creating a truly inclusive culture, which we believe drives success. We also understand that working life doesn’t always have to be ‘nine to five’ and we support flexible working wherever we can. No promises, but please chat to our resourcing team about the flexibility we could offer for this role.
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