Upstart
Fraud Analyst, Secured Lending
$116K–$160K
United States +2 · Remote · Full-time · Posted Jul 2, 2026
- Location
- United States
Remote
Remote - Experience
- 3+ years.
- Education
- Bachelor's degree or equivalent practical experience.
About the job
Own first-line fraud detection, investigation, trend monitoring, and control improvement for assigned secured lending products across the loan life cycle.
What you'll do
- Investigate suspected fraud and emerging typologies, including application, identity, income, collateral, and dealer-related fraud.
- Prepare fraud escalation and SAR referral packages, conduct early payment default file reviews, and maintain audit-ready case records.
- Analyze fraud trends and coordinate with Operations, Risk, Compliance, Legal, and Quality Control to strengthen controls.
What they ask for
- 3+ years of fraud investigation, fraud analytics, or financial crimes experience in consumer lending, banking, or a regulated financial institution.
- Bachelor's degree or equivalent practical experience.
- Experience investigating consumer lending fraud and preparing documented investigation and escalation packages.
- Familiarity with SAR referral processes and working knowledge of BSA/AML, OCC, and FFIEC requirements relevant to fraud investigation and reporting.
Nice to have
- Dealer-channel fraud investigation or dealer-level fraud scorecard experience.
- Certified Fraud Examiner (CFE) designation or active progress toward certification.
Pay
$115,800 — $160,100 USD (base salary)
Tools
QC Engine, OCC Bulletin 2019-37, FFIEC BSA/AML Manual, Red Flags Rule (12 CFR Part 41, Subpart J), 12 CFR 21.11
AI focus
The role operates alongside AI-powered risk controls and provides feedback to improve fraud detection rules and origination controls.
Model-written summary · the original posting is authoritative