Job Description

We are seeking a highly analytical and creative Associate Data Scientist to join our advanced analytics team focused on fraud detection and digital risk mitigation within our long term care insurance business. This role offers the opportunity to develop cutting-edge models and innovative solutions that directly protect our organization and policyholders from fraudulent activities while ensuring legitimate claims are processed efficiently.

Position Responsibilities:

Model Development & Analytics

Design and build sophisticated fraud detection models with emphasis on time series analysis to identify temporal patterns and trends in fraudulent behavior Develop anomaly detection systems to flag unusual claims patterns, provider behaviors, and policyholder activities Create graph-based models to uncover fraud rings, provider networks, and suspicious relationship patterns Build ensemble models that combine temporal, network, and statistical approaches for comprehensive fraud detection Perform advanced statistical analysis on large, complex datasets to uncover fraud indicators Leverage large language models (LLMs) for analyzing unstructured claims data, policy documents, and investigator notes to identify fraud indicators

Digital Controls & Innovation

Design and implement digital controls and automated workflows to mitigate fraud impact Develop innovative analytical solutions to address emerging fraud schemes and attack vectors Create data-driven business rules and decision frameworks for fraud prevention Build monitoring systems and dashboards to track model performance and fraud trends

AI/ML Operations & Deployment

Deploy and monitor machine learning models in production environments using MLOps best practices Implement model versioning, A/B testing, and continuous integration/deployment pipelines for fraud detection systems Design real-time model serving infrastructure for low-latency fraud scoring Establish model performance monitoring, drift detection, and automated retraining workflows Collaborate with engineering teams on scalable AI system architecture and deployment strategies

Required Qualifications:

Master's degree or PhD degree in quantitative fields such as Statistics, Applied Mathematics, Data Science, Engineering, or Computer Science or Physics. Proficient in programming using Python and SQL. At least 2-year of industry experience in developing and deploying models using AI and GenAI techniques. Experience in using Python (e.g., Pandas, NLTK, Scikit-learn, Keras etc.), common LLM development frameworks (e.g., Langchain , Semantic Kernel), Relational storage (SQL), Non-relational storage (NoSQL).

Preferred Qualifications

Experience with fraud detection, risk analytics, or financial crime prevention preferred Advanced Graph Analytics: Experience implementing graph-based fraud rings detection, money laundering networks, and provider relationship analysis Proven problem-solving abilities, including conducting root cause analysis to address specific business inquiries and identify opportunities for enhancement. Excellent communication skills to explain complex topics to diverse audiences. Demonstrated expertise in the data analytics life cycle, encompassing problem framing, data collection, data cleansing, insights generation, reporting, and communication. Skilled in machine learning modeling life cycle, including exploratory data analysis, data cleansing, feature engineering, model building, deployment, and monitoring. Experience in developing and deploying models in cloud-based environments, specifically Microsoft Azure, and Databricks, following MLOps best practices. Experience with Git Version Control, Unit/Integration/End-to-End Testing, CI/CD, release management, etc.

When you join our team:

We'll empower you to learn and grow the career you want. We'll recognize and support you in a flexible environment where well-being and inclusion are more than just words. As part of our global team, we'll support you in shaping the future you want to see. #LI-Hybrid

About Manulife and John Hancock

Manulife Financial Corporation is a leading international financial services provider, helping people make their decisions easier and lives better. To learn more about us, visit https://www.manulife.com/en/about/our-story.html .

Manulife is an Equal Opportunity Employer

At Manulife/John Hancock, we embrace our diversity. We strive to attract, develop and retain a workforce that is as diverse as the customers we serve and to foster an inclusive work environment that embraces the strength of cultures and individuals. We are committed to fair recruitment, retention, advancement and compensation, and we administer all of our practices and programs without discrimination on the basis of race, ancestry, place of origin, colour, ethnic origin, citizenship, religion or religious beliefs, creed, sex (including pregnancy and pregnancy-related conditions), sexual orientation, genetic characteristics, veteran status, gender identity, gender expression, age, marital status, family status, disability, or any other ground protected by applicable law.


It is our priority to remove barriers to provide equal access to employment. A Human Resources representative will work with applicants who request a reasonable accommodation during the application process. All information shared during the accommodation request process will be stored and used in a manner that is consistent with applicable laws and Manulife/John Hancock policies. To request a reasonable accommodation in the application process, contact recruitment@manulife.com .

Referenced Salary Location

Boston, Massachusetts

Working Arrangement

Hybrid

Salary range is expected to be between

$80,625.00 USD - $134,375.00 USD
If you are applying for this role outside of the primary location, please contact recruitment@manulife.com for the salary range for your location. The actual salary will vary depending on local market conditions, geography and relevant job-related factors such as knowledge, skills, qualifications, experience, and education/training. Employees also have the opportunity to participate in incentive programs and earn incentive compensation tied to business and individual performance.


Manulife/John Hancock offers eligible employees a wide array of customizable benefits, including health, dental, mental health, vision, short- and long-term disability, life and AD&D insurance coverage, adoption/surrogacy and wellness benefits, and employee/family assistance plans. We also offer eligible employees various retirement savings plans (including pension/401(k) savings plans and a global share ownership plan with employer matching contributions) and financial education and counseling resources. Our generous paid time off program in the U.S. includes up to 11 paid holidays, 3 personal days, 150 hours of vacation, and 40 hours of sick time (or more where required by law) each year, and we offer the full range of statutory leaves of absence.


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Company: John Hancock Life Insurance Company (U.S.A.)