Hiscox

Job Type:

Permanent

Build a brilliant future with Hiscox

Application Fraud Specialist (gn) – Group Claims

Location: Munich

Reporting to: Group Head of Fraud & Recoveries – Group Claims

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

• Lead 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, 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

• Demonstrable investigative-related experience essential within the insurance sector
• Minimum 3 years in fraud investigation
• Ability to effectively communicate with all stakeholders across the business
• Able to take prioritise and take ownership of tasks
• Analytical approach to working with a keen eye for detail
• Receptive to new ideas and opportunities to innovate
• Preferred experience using fraud detection and reporting systems
• A team player who is also able to work independently to deliver in a fast-paced environment
• Able to adapt to change positively and quickly
• Insurance industry experience preferred
• Strong interpersonal and organisational skill

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