Fraud Analyst, Secured Lending

🕒 Agosto 6

🇺🇸 Estados Unidos – Remoto (EUA)

💵 $115.800 - $160.100 / ano

⏰ Tempo Integral

🟡 Pleno

🟠 Sênior

🧐 Analista

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Upstart

SiteLinkedInTodas as Vagas

1001 - 5000 funcionários

🚘 Automotivo

💼 Consultoria

🏥 Saúde

Automotive • Consulting • Healthcare

A Upstart é um dos principais marketplaces de empréstimos com IA, em parceria com bancos e cooperativas de crédito para expandir o acesso a crédito acessível. Ao nos tornarmos uma empresa de capital aberto, estamos agora prontos para alavancar nossa expertise no domínio e revolucionar todos os aspectos da concessão de empréstimos e avaliação de risco de crédito. Recentemente ampliamos nossas ofertas para incluir refinanciamento de automóveis e planejamos atuar em mais verticais à medida que o negócio cresce. Ao utilizar o marketplace de IA da Upstart, bancos e cooperativas de crédito que utilizam a Upstart podem ter taxas de aprovação mais altas e taxas de perda mais baixas, enquanto simultaneamente oferecem a experiência de empréstimo excepcional e digital-first que seus clientes exigem. O marketplace patenteado da Upstart é o primeiro a receber uma carta de não ação do Bureau de Proteção Financeira ao Consumidor relacionada a empréstimos justos. A Upstart não só apoia uma grande força de trabalho remota, mas também possui escritórios em San Mateo, CA; Columbus, OH; e Austin, TX. A maior parte dos que se juntam à Upstart o fazem porque se identificam com nossa missão de permitir acesso a crédito sem esforço baseado no risco real. Se você se sente energizado pelo impacto que pode causar na Upstart, adoraríamos ouvir de você!

Descrição

• Own first-line fraud detection and investigation across assigned secured lending product lines • Investigate suspicious activity and fraud indicators across application, origination, and servicing • Investigate application, identity, income/employment, collateral, occupancy, valuation, loan stacking, and dealer-related fraud typologies • Prepare fraud escalation and SAR referral packages documenting facts, evidence, typology, and recommendations • Conduct early payment default fraud file reviews for loans reaching 60+ days past due within 90 days of origination • Monitor and analyze fraud trends across origination channels, dealers, geographies, synthetic identity patterns, and channel-level risk signals • Produce fraud metrics and trend reporting • Maintain Auto dealer fraud scorecards and channel-level fraud indicator tracking, including pattern-based referrals and dealer suspension triggers • Triage fraud-related alerts from the QC Engine and provide feedback to improve detection rules and origination controls • Coordinate with Operations, Compliance, Legal, and Risk on fraud controls, law enforcement information requests, and regulatory response support • Identify regulatory fraud risks and support compliance with applicable OCC, FFIEC, BSA/AML, Red Flags Rule, and product-specific requirements • Maintain audit-ready investigation records, typology documentation, and program evidence for examinations

🎯 Requisitos

• 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, identity, income/employment, and collateral fraud • Experience preparing fraud investigation case documentation, evidence assemblies, typology analyses, and written escalation packages • Familiarity with SAR referral processes and 12 CFR 21.11 SAR thresholds and timelines • Working knowledge of BSA/AML 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 • Experience with fraud trend analysis, application fraud-rate monitoring, typology identification, and channel/geographic concentration analysis • Ability to manage workload, meet deadlines, and proactively communicate risk with minimal supervision • Strong cross-functional collaboration skills with Operations, Compliance, Legal, and Risk • Preferred: dealer-channel fraud investigation experience, including power booking, ghost down payments, straw purchases, VIN cloning, title washing, and F&I product abuse • Preferred: dealer-level fraud scorecards and monitoring or suspension workflows • Preferred: collateral fraud investigation in home equity lending • Preferred: CIP/CDD execution and fraud red flags in account draw activity and maintenance • Preferred: fraud indicators across income, identity, appraisal, and title documentation • Preferred: Certified Fraud Examiner (CFE) designation or progress toward certification • Preferred: fraud metrics reporting to management committees • Preferred: EPD review processes and OCC fraud loss classification requirements • Preferred: translating investigation findings into examination-ready documentation • Preferred: collaboration across fraud, compliance, legal, and quality control functions in fintech

🏖️ Benefícios

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly • 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) • Comprehensive health coverage, including medical, dental, vision, and wellness resources • Health Savings Account contributions from Upstart for eligible plans (US only) • Life insurance and disability coverage • Paid time off, sick leave, and company holidays • Paid family and parental leave • Family-centered benefits supporting fertility, parenthood, and caregiving • Employee Assistance Program (EAP) offering mental health support and life-centered resources • Financial planning tools and financial concierge service (US only) • Annual wellness allowance • Annual productivity allowance for relevant tools and resources • Team events, all-company updates, and employee resource groups (ERGs) • Onsite perks, including catered lunches and fully stocked micro-kitchens when working from an office