Fraud Analyst, Secured Lending at Upstart · LumiJobs · LumiJobs

Qualification

Familiarity with SAR referral processesAbility to manage own workload

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

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

Fraud Analyst, Secured Lending