When an embezzler is finally caught, particularly after a fraudulent scheme that lasted for years, executives and board members often ask, 'Why didn't we see this sooner?"

Doug Karpp, crime and fidelity product head at Hiscox, a $3 billion specialty insurance group, said it might be hard to catch an embezzler because some of the characteristics of him or her may be counterintuitive.  

In the 2017 Hiscox Embezzlement Study released in August, Karpp lists five common characteristics of an embezzler based on a review nearly 400 U.S. federal court cases that involved employee fraud throughout 2016.

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