Remote Fraud Analyst, Secured Lending

Upstart; United States; On-site; USD 116,000 - 160,000; Full time

Benefits offered by this job

Competitive pay and bonuses

401(k) with company match

ESPP and equity grants

Comprehensive health coverage

Paid time off and family leave

Job summary

Upstart is a digital-first lender using AI to expand access to affordable credit across the United States. We are seeking a Fraud Analyst to own detection and investigation across secured lending products, building robust fraud programs and working with Compliance, Legal, and Risk teams.

You will analyze fraud patterns, prepare SAR referrals, and support regulatory readiness while driving improvements in controls and data-driven investigations in a fast-paced fintech environment.

Qualifications

• 3+ years of fraud investigation/analytics in consumer lending or banking.
• Bachelor's degree or equivalent practical experience.
• Experience investigating consumer lending fraud (application/identity/income misrepresentation/collateral).
• Ability to assemble fact-based escalation packages for compliance or legal review.
• Familiarity with SAR referral processes and 12 CFR 21.11.
• Working knowledge of BSA/AML and related OCC FFIEC guidelines.
• Experience with fraud trend analysis and reporting.
• Strong time management and cross-functional collaboration skills.

Responsibilities

• Own first-line fraud detection and investigation across assigned secured lending products.
• Investigate key fraud risks and emerging typologies across application, origination, and servicing.
• Prepare escalation and SAR referral packages with facts, evidence, and recommendations.
• Monitor fraud trends across origination channels and produce metrics and reports.
• Maintain dealer fraud scorecards and pattern-based monitoring with relevant teams.
• Coordinate with Operations, Risk, Compliance, and Legal on control improvements.
• Support regulatory readiness with complete case records and typology docs.
• Communicate risk findings to stakeholders with minimal supervision.

Skills

3+ years fraud

Bachelor's degree

Lending fraud

Fraud case docs

SAR processes

BSA/AML

OCC FFIEC

Fraud trend analysis

Time management

Cross-functional

Education

Bachelor's degree

Job description

Upstart is a digital-first lender using AI to expand access to affordable credit across the United States. We are seeking a Fraud Analyst to own detection and investigation across secured lending products, building robust fraud programs and working with Compliance, Legal, and Risk teams.

You will analyze fraud patterns, prepare SAR referrals, and support regulatory readiness while driving improvements in controls and data-driven investigations in a fast-paced fintech environment.