Fraud Analyst, Secured Lending

Upstart

Confirmed live yesterday High trust
Remote

Quick summary

Work type
Remote
Location
Remote
Salary
$115,800–$160,100 / yr
Posted
71 days ago
Freshness
Confirmed live yesterday
Closes
Dec 8, 2026

Market check

Salary context

Competitive pay

How this pay compares to similar roles

Similar $157k
This role $138k
$107k most similar roles pay here $200k

This role pays less than 65% of similar roles. Most pay $122,275–$191,025 — the shaded band above. At the midpoint, this role pays about $138k versus about $157k for comparable roles.

Based on 239 similar postings.

Employer

About Upstart

Upstart is an AI lending platform that partners with banks and credit unions to expand access to affordable credit using non-traditional variables.

Upstart currently has 73 open roles on FindRole.

Listed pay typically runs $166,900–$230,450 across 72 roles with salary data.

Most-posted roles

View all roles at Upstart

At a glance

TL;DR · Fraud Analyst, Secured Lending

Fraud Analyst, Secured Lending joins the Secured Lending Fraud Oversight team to serve as the first line of defense for fraud detection, investigation, and monitoring across HELOC and Auto Lending business lines. You will manage day-to-day investigations throughout the loan lifecycle, identifying emerging typologies such as identity fraud, income misrepresentation, and collateral fraud. Responsibilities include preparing SAR referral packages, performing early payment default reviews, and analyzing fraud trends across various origination channels to maintain dealer scorecards. The role requires expertise in BSA/AML requirements, Red Flags Rules, and OCC risk management standards. You will collaborate with Operations, Risk, Compliance, and Legal teams to strengthen controls and ensure audit-ready documentation for regulatory bodies like the FDIC and CFPB. This position operates at the intersection of fraud, compliance, and AI-powered risk controls within a high-tech lending environment.

What you'll do

  • Investigate suspected fraud across the entire loan lifecycle including application, origination, and servicing.
  • Identify and document emerging fraud typologies such as identity theft, income misrepresentation, and collateral fraud.
  • Prepare comprehensive fraud escalation packages and SAR referrals for review by legal and compliance teams.
  • Analyze fraud trends across various channels to produce metrics on fraud rates and geographic concentrations.
  • Maintain dealer fraud scorecards and track channel-level risk signals to trigger potential suspensions.
  • Collaborate with internal teams to develop enhanced fraud controls and respond to regulatory inquiries.
  • Conduct early payment default reviews to identify fraudulent activity in loans reaching 60+ days past due.
  • Maintain audit-ready investigation records and documentation to ensure readiness for federal examinations.

What we're looking for

  • Bachelor's degree or equivalent practical experience.
  • 3+ years of experience in fraud investigation, fraud analytics, or financial crimes within a regulated financial institution.
  • Experience investigating consumer lending fraud including identity, application, income, and collateral fraud.
  • Experience preparing fraud investigation case documentation and SAR referral packages for compliance or legal review.
  • Working knowledge of BSA/AML program requirements, including CIP/CDD, OFAC screening, and Red Flags Rule obligations.
  • Working knowledge of OCC enterprise fraud risk management and FFIEC BSA/AML Manual requirements.
  • Experience with fraud trend analysis, including typology identification and geographic concentration analysis.
  • Ability to manage a workload independently and collaborate across cross-functional teams like Legal, Risk, and Compliance.

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