[All remote jobs](https://jobicy.com/jobs.md)[![Upstart logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/bc2cfa2b-221-1.jpeg)](https://jobicy.com/company/upstart.md)[Upstart](https://jobicy.com/company/upstart.md) # Fraud Analyst, Secured Lending Review the role, location requirements, compensation details, and application process before deciding whether this opportunity fits your next career move. [Apply for this job](#job-application)[View company](https://jobicy.com/company/upstart.md)ShareRemote from[USA](https://jobicy.com/job-region/usa.md)SalaryUSD 115,800–160,100 / yrDepartment[Legal & Compliance](https://jobicy.com/categories/legal.md)EmploymentFull TimeExperienceOpen levelPublished28 Oct 2026Apply before27 Nov 2026Listing views27Application actions2Application toolkit ## Make your next move. Prepare your resume, explore your fit, and draft a cover letter for this opportunity. AI Summary ## The role, at a glance. Upstart is seeking a Fraud Analyst to lead first-line detection, investigation, and monitoring for secured lending products, including HELOC and auto loans. The role investigates application, identity, income, collateral, dealer, and servicing fraud throughout the loan lifecycle. The analyst prepares evidence-based escalation and SAR referral packages, analyzes fraud trends, and maintains dealer and channel risk reporting. Success requires strong knowledge of consumer-lending fraud, BSA/AML and SAR requirements, and regulatory expectations from bodies such as the OCC, FDIC, and CFPB. The position collaborates closely with Operations, Quality Control, Compliance, Legal, Risk, and dealer oversight teams in a digital-first environment. ## Role DNA A quick view of the complexity, pace, ownership and collaboration implied by the job description. ### Job Complexity 4/5EasyHard ### Pace & Pressure 4/5RelaxedFast-paced ### Autonomy Level 4/5GuidedFull ownership ### Communication Load 4/5IndependentCollaborative AI insightThis is a specialized regulated-finance role requiring sound investigative judgment, detailed case documentation, and familiarity with fraud and suspicious-activity reporting obligations. The work also involves managing emerging risks and deadlines independently while coordinating across several control functions. ## Salary analysis Estimated compensation compared with the broader US market for similar roles. Estimated job median (per year)Highly competitive$137,950US market range (per year)$100k–$155k0$170.50k AI insightThe yearly pay period is inferred from the job context; it was not explicitly stated by the employer. The employer discloses a base-salary range of $115,800–$160,100 USD. The annual cadence is inferred from the scale of the stated US full-time professional base-pay range rather than explicitly stated. A reasonable estimated US market range for a fraud analyst with secured-lending, SAR, and regulatory expertise is approximately $100,000–$155,000 per year. ## Core skills Skills and capabilities most closely associated with this opportunity. [Fraud investigation](https://jobicy.com/jobs?search_keywords=Fraud%20investigation.md)[Consumer lending fraud](https://jobicy.com/jobs?search_keywords=Consumer%20lending%20fraud.md)[SAR referrals](https://jobicy.com/jobs?search_keywords=SAR%20referrals.md)[BSA/AML compliance](https://jobicy.com/jobs?search_keywords=BSAAML%20compliance.md)[Identity fraud detection](https://jobicy.com/jobs?search_keywords=Identity%20fraud%20detection.md)[Synthetic identity fraud](https://jobicy.com/jobs?search_keywords=Synthetic%20identity%20fraud.md)[Collateral fraud](https://jobicy.com/jobs?search_keywords=Collateral%20fraud.md)[Application fraud](https://jobicy.com/jobs?search_keywords=Application%20fraud.md)[Dealer fraud monitoring](https://jobicy.com/jobs?search_keywords=Dealer%20fraud%20monitoring.md)[Fraud trend analysis](https://jobicy.com/jobs?search_keywords=Fraud%20trend%20analysis.md)[Early payment default review](https://jobicy.com/jobs?search_keywords=Early%20payment%20default%20review.md)[CIP/CDD](https://jobicy.com/jobs?search_keywords=CIPCDD.md)[OFAC screening](https://jobicy.com/jobs?search_keywords=OFAC%20screening.md)[Regulatory compliance](https://jobicy.com/jobs?search_keywords=Regulatory%20compliance.md)[Case documentation](https://jobicy.com/jobs?search_keywords=Case%20documentation.md) Sample interview questionsHow would you investigate a suspected synthetic identity fraud case in a loan application?I would validate identity attributes across application data, credit-file behavior, device and contact signals, document consistency, and linked applications. I would document the supporting facts, assess related exposure and patterns, preserve evidence, and escalate the case through the established fraud and SAR-review workflow when warranted. What should a strong fraud escalation or SAR referral package contain? It should present a clear chronology, customer and transaction details, relevant documents and system evidence, the suspected typology, financial exposure, related parties or accounts, investigative steps completed, and a concise recommendation. The package must distinguish verified facts from analyst conclusions and be sufficiently complete for Compliance and Legal review. How would you use early payment default reviews to improve fraud controls? I would review loans reaching the defined delinquency threshold for origination red flags, documentation inconsistencies, identity issues, dealer patterns, and channel concentrations. I would aggregate findings into typologies and metrics, then recommend targeted rule changes, QC checks, dealer interventions, or enhanced verification steps. Describe how you would monitor dealer-channel fraud risk in auto lending. I would maintain dealer-level scorecards covering fraud indicators, early payment defaults, application anomalies, documentation exceptions, geographic patterns, and referral history. I would investigate adverse trends, compare performance with peer dealers, identify linked parties or recurring typologies, and coordinate appropriate escalation or suspension actions with Vendor Management and oversight teams. How do you balance investigative speed with examination-ready documentation? I use standardized case workflows and contemporaneous documentation so that evidence, decisions, and timelines are recorded as the investigation progresses. I prioritize immediate risk containment and escalation while ensuring the record clearly supports the conclusion, applicable policy requirements, and potential regulatory review. Opportunity details ## About this role. About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Upstart’s Secured Lending Fraud Oversight function is the Bank’s first-line fraud detection, investigation, and monitoring across the HELOC and Auto Lending business lines. As a business unit function, the team owns fraud risk identification, investigation of suspected fraudulent activity, referral package preparation, and fraud trend analysis and reporting. The fraud function operates with direct access to loan files, origination data, and dealer and channel relationships — enabling the depth and speed of investigation that the Bank’s fraud risk profile demands. The team works in close coordination with the Secured Lending Quality Control function: QC analysts escalate fraud indicators identified during file reviews, and fraud analysts provide fraud-focused review support during lower-volume periods, consistent with a documented cross-utilization protocol and independence safeguards. As a Fraud Analyst, you will own day-to-day fraud detection and investigation for your assigned product line(s). You will investigate suspected fraud across the entire loan life cycle from application through loan servicing; identify and document emerging typologies and fraud patterns; prepare escalation and SAR referral packages for review; and partner with Operations, Risk, Compliance, and Legal to strengthen fraud controls across the business. This is an opportunity for an experienced fraud professional who is energized by building investigation programs in a fast-paced, technology-driven lending environment — and who wants to operate at the intersection of fraud, compliance, and AI-powered risk controls. How you’ll make an 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 Minimum Qualifications * 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 Preferred Qualifications * 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). United States | Remote – Anticipated Base Salary Range $115,800—$160,100 USD What you’ll love At Upstart, our benefits for full-time employees 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 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](https://www.upstart.com/candidate_privacy_policy) Show more [Apply now >](https://jobicy.com/jobs/157603-fraud-analyst-secured-lending.md) * ![Upload CV](data:image/svg+xml;base64,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) ### Upload your resume now To unlock remote work opportunities and be discovered by global employers. This job listing has been manually reviewed by the Jobicy Trust & Safety Team for compliance with our posting guidelines, including verification of the company's legitimacy, accuracy of job details, clarity of remote work policy, and absence of misleading or fraudulent content. Next step ## Apply now. Follow the employer’s application method and review Jobicy’s safety guidance before sharing personal information. Keep exploring ## Related remote jobs. * ![Toast logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2020/12/WRILS-201210114200-563401.png) Toast Oct 28 New ### [Director, UCC & Tax Lien Compliance](https://jobicy.com/jobs/157654-director-ucc-tax-lien-compliance.md) At Toast, we are passionate about creating raving fans and delivering an unparalleled customer experience — and that includes assisting our restaurant customers when their business becomes entangled in a… * ![Veeam Software logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/f7716b71-221.jpg) Veeam Software Oct 28 New ### [Director, Commercial Legal, Americas](https://jobicy.com/jobs/157643-director-commercial-legal-americas.md) Veeam is the Data and AI Trust Company, specializing in helping organizations ensure their data and AI are fully understood, secured, and resilient to enable the acceleration of safe AI… * ![Toast logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2020/12/WRILS-201210114200-563401.png) Toast Oct 28 New ### [Associate Counsel, Product and Marketing](https://jobicy.com/jobs/157635-associate-counsel-product-and-marketing.md) Toast creates technology to help restaurants and local businesses succeed in a digital world, helping business owners operate, increase sales, engage customers, and keep employees happy. We are hiring a… * ![Upstart logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/bc2cfa2b-221-1.jpeg) Upstart Oct 28 New ### [HMDA/Fair Lending Manager](https://jobicy.com/jobs/157621-hmda-fair-lending-manager.md) About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and… * ![Elevenlabs logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/e01b4c5d-221.png) Elevenlabs Oct 28 New ### [Commercial Counsel – US](https://jobicy.com/jobs/157617-commercial-counsel-us.md) About ElevenLabs ElevenLabs is an AI research and product company transforming how we interact with technology. We launched in January 2023 with the first human-like AI voice model. Today, we… * ![Elevenlabs logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/e01b4c5d-221.png) Elevenlabs Oct 28 New ### [Privacy Counsel](https://jobicy.com/jobs/157608-privacy-counsel-2.md) About ElevenLabs ElevenLabs is an AI research and product company transforming how we interact with technology. We launched in January 2023 with the first human-like AI voice model. Today, we… * ![Juniper Square logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2022/01/90c359a8bed816e81ea39fa33a8314f3.png) Juniper Square Oct 28 New ### [Senior Contracts Manager](https://jobicy.com/jobs/157597-senior-contracts-manager.md) About Juniper Square Private markets are one of the largest, most complex, and most underserved corners of global finance. Our mission at Juniper Square is to unlock their full potential…. * ![Ramp logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/7fafb2d0-221.png) Ramp Oct 28 New ### [Money Laundering Reporting Officer, Canada](https://jobicy.com/jobs/157592-money-laundering-reporting-officer-canada.md) About Ramp Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $275B in annualized spend… * ![Welo Global logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2026/06/83c40f94-221.webp) Welo Global Oct 28 New ### [Customs & Trade Compliance Subject Matter Expert (Mexico)](https://jobicy.com/jobs/157574-customs-trade-compliance-subject-matter-expert-mexico.md) About the Opportunity We are seeking experienced customs and trade compliance professionals to support a project focused on Mexican import/export regulations, tariff classification, and customs compliance. This project involves reviewing… * ![Precision Medicine Group logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/f1277044-221.jpg) Precision Medicine Group Oct 28 New ### [Regulatory Manager / Senior Regulatory Manager](https://jobicy.com/jobs/157567-regulatory-manager-senior-regulatory-manager.md) Precision for Medicine is not your typical CRO. At Precision for Medicine we have brought together new technologies, expertise and operational scale to help the life sciences improve the speed,… [Browse all jobs](https://jobicy.com/jobs.md)