Fraud Analyst, Secured Lending

Upstart

Fraud Analyst managing day-to-day fraud detection and investigation for secured lending product lines. Collaborating with various teams to enhance fraud controls using advanced AI techniques.

Posted 7/2/2026full-timeRemote • 🇺🇸 United StatesMid-LevelSenior💰 $115,800 - $160,100 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in fraud detection and investigation within consumer lending, focusing on application fraud, identity fraud, and regulatory compliance. Proficient in preparing fraud documentation and conducting trend analysis to enhance fraud control measures.

Highest-signal resume keywords

Fraud InvestigationFraud AnalyticsBSA/AML Program RequirementsSAR Referral ProcessesFraud Trend Analysis

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Fraud DetectionFraud Investigation DocumentationApplication Fraud AnalysisIdentity Fraud InvestigationIncome Misrepresentation AnalysisCollateral Fraud AnalysisFraud Metrics ReportingRegulatory ComplianceFraud Risk ManagementTypology Analysis

Soft Skills

Cross-Functional CollaborationProactive CommunicationWorkload ManagementDeadline Management

Industry Keywords

Consumer LendingFinancial CrimesOCC Bulletin 2019-37FFIEC BSA/AML ManualRed Flags RuleSuspicious Activity MonitoringDealer Fraud ScorecardsAudit-Ready DocumentationVendor ManagementFraud Control Enhancements

Tech Stack

Tools & technologies

Assembly

About the role

Key responsibilities & impact

Own first-line fraud detection and investigation across your assigned secured lending product line(s), monitoring for suspicious activity and fraud indicators across application, origination, and servicing
Investigate key fraud risks and emerging typologies, including application fraud, identity fraud (true-name and synthetic), income and employment misrepresentation, collateral fraud, and Auto dealer-related fraud patterns
Investigate product specific fraud typologies including occupancy misrepresentation, valuation inflation, and undisclosed liabilities or loan stacking
Prepare comprehensive fraud escalation and SAR referral packages for review — documenting facts, evidence, typology, and recommendations
Conduct early payment default (EPD) fraud file reviews — performing fraud indicator review on loans reaching 60+ days past due within 90 days of origination
Monitor and analyze fraud trends across origination channels, including application fraud rates, dealer-level fraud indicators, geographic concentrations, synthetic identity patterns, and channel-level risk signals; producing fraud metrics and trend reporting
Maintain dealer fraud scorecards (Auto) and channel-level fraud indicator tracking, including pattern-based referrals and dealer suspension triggers in coordination with Vendor Management and dealer oversight functions
Integrate closely with the Secured Lending QC team — triage fraud-related alerts surfaced by the QC Engine's daily monitoring output; provide typology and red flag feedback to improve detection rules and origination controls
Coordinate across Operations, Compliance, Legal, and Risk on fraud control enhancements, law enforcement information requests, and regulatory response support
Proactively identify regulatory risks related to fraud in your product line(s) and adjacent areas, including obligations under OCC Bulletin 2019-37, FFIEC BSA/AML Manual, Red Flags Rule (12 CFR Part 41, Subpart J), 12 CFR 21.11, and product-specific fraud risk requirements
Support examination readiness by maintaining audit-ready fraud investigation case records, typology documentation, and program evidence aligned with OCC, FDIC, and CFPB expectations

Requirements

What you’ll need

3+ years of experience in fraud investigation, fraud analytics, or financial crimes within consumer lending, banking, or a regulated financial institution
Bachelor's degree or equivalent practical experience
Experience investigating consumer lending fraud — including application fraud, identity fraud, income/employment misrepresentation, and collateral fraud
Experience preparing fraud investigation case documentation — fact and evidence assembly, typology analysis, and written escalation packages for compliance or legal review
Familiarity with SAR referral processes, 12 CFR 21.11 SAR thresholds and timelines
Working knowledge of BSA/AML program requirements applicable to consumer lending, including CIP/CDD, OFAC screening, suspicious activity monitoring, and Red Flags Rule obligations
Working knowledge of OCC enterprise fraud risk management and FFIEC BSA/AML Manual requirements relevant to fraud investigation and suspicious activity reporting
Experience with fraud trend analysis — application fraud rate monitoring, typology identification, channel and geographic concentration analysis
Ability to manage own workload, meet deadlines, and proactively communicate risk to timelines with minimal supervision
Strong cross-functional collaboration skills — able to work effectively with Operations, Compliance, Legal, and Risk on fraud escalation and control improvement initiatives

Benefits

Comp & perks

Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
Health Savings Account contributions from Upstart for eligible plans (US only)
Income protection benefits, including life insurance and disability coverage for added financial security
Paid time off, sick leave, and company holidays, in line with local requirements
Paid family and parental leave to support caregiving and major life moments (duration varies by country)
Family-centered benefits to support fertility, parenthood, and caregiving needs
Employee Assistance Program (EAP) offering mental health support and life-centered resources
Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)
Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you
Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
Connection and community through team events, all-company updates, and employee resource groups (ERGs)
Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)