Fraud Analyst, Secured Lending

• 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

• Experience investigating dealer channel fraud, including power booking, ghost down payments, straw purchases, VIN cloning, title washing, and F&I product abuse
• Experience maintaining dealer-level fraud scorecards and pattern-based dealer monitoring or suspension workflows
• Experience investigating collateral fraud typologies in home equity lending — occupancy misrepresentation, appraisal inflation, undisclosed liabilities/loan stacking
• Familiarity with CIP/CDD execution requirements and fraud red flags in account draw activity and maintenance
• Experience identifying fraud indicators across income, identity, appraisal, and title documentation within origination files
• Certified Fraud Examiner (CFE) designation or active progress toward CFE certification
• Experience with fraud metrics reporting to management committees (Credit Committee, Risk Committee, or equivalent)
• Familiarity with EPD review processes and OCC fraud loss classification requirements
• Ability to translate investigation findings into structured, examination-ready documentation for OCC, FDIC, or CFPB review
• Collaborative approach to working across fraud, compliance, legal, and quality control functions in a fast-paced fintech environment

Position location This role is available in the following locations: Remote

Travel requirements As a digital first company, the majority of your work can be accomplished remotely.

The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites.

The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-Associate

At Upstart, your base pay is one part of your total compensation package.

The anticipated base salary for this position is expected to be within the below range.

Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location.

Individual pay is also determined by job-related skills, experience, and relevant education or training.

Your recruiter can share more about the specific salary range for your preferred location during the hiring process.

In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).

What you'll love

At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth.

Here’s what you can expect:

• 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!)

For roles based in Canada, please note that we are not currently able to hire in Quebec.

Upstart is a proud Equal Opportunity Employer.

Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.

If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com

https://www.upstart.com/candidate_privacy_policy