PitchMeAI Jobs
Upstart

Fraud Analyst, Secured Lending

Upstart · United States | Remote

Posted about 3 months ago

or apply directly on Upstart's site. We never take the application ourselves.

Is this posting real?

This role has been open
78 days
Upstart's roles stay open a median of 82 days
Reposted
No
Salary listed
No
0% of Upstart's roles list one
Ghost-job risk at Upstart
high
93 stale, 5 reposted of 93 open
Hiring momentum
135 roles opened in the last 90 days
↑ up vs. the prior 90 days
Last confirmed on the employer's board
2026-10-24

Measured from postings appearing on and disappearing from Upstart's own greenhouse board since 2026-08-03. Full hiring picture for Upstart.

About this role

As a Fraud Analyst in the Secured Lending team at Upstart, you will be responsible for detecting and investigating fraud across various lending products. Your daily tasks will involve monitoring loan applications for suspicious activity, analyzing fraud trends, preparing documentation for escalations, and collaborating with multiple departments to enhance fraud controls. This role requires a proactive approach to identifying fraud risks and maintaining compliance with regulatory standards.

Our read on this posting3.0out of 5
benefits
5/5
freshness
1/5
career value
4/5
role clarity
5/5
pay transparency
0/5

Scored from the posting itself — how clearly the role is described, how much it says about pay and benefits, and how recently it was listed. Not a judgement of Upstart as an employer.

What you need

  • 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

Nice to have

  • 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

What you get

  • 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

Worth weighing

  • Remote work flexibility but requires occasional in-person collaboration
  • Role involves navigating complex regulatory requirements which may add pressure
  • The position is in a fast-paced, technology-driven environment that may not suit everyone

Summarised from Upstart's posting. Read the full original.

Listed by Upstart on their greenhouse job board, last confirmed open on 2026-10-24. PitchMeAI is not the employer.

More roles at Upstart

All 93 open roles at Upstart →