Fraud Analyst, Secured Lending

About Our Client

The organization operates in the financial lending industry, focusing on reducing the cost and complexity of borrowing for Americans. It partners with banks and credit unions to expand access to affordable credit by leveraging advanced AI technology that evaluates numerous signals to enable fairer lending decisions. The organization supports a digital-first work environment with a distributed team across multiple cities, emphasizing flexibility and collaboration.

About the Opportunity

The Fraud Analyst, Secured Lending is responsible for leading fraud detection and investigation efforts within secured lending product lines, including Home Equity Lines of Credit (HELOC) and Auto Lending. This role plays a crucial part in identifying and mitigating fraud risk throughout the loan lifecycle, supporting the integrity of the lending process and safeguarding the organization’s financial interests.

Responsibilities

• Detect, investigate, and resolve suspected fraudulent activity across the application, underwriting, origination, and post-closing servicing stages for assigned secured lending products
• Analyze and mitigate multi-layered fraud risks, including application fraud, synthetic identity fraud, income/employment misrepresentation, asset valuation fraud, and dealer-related fraud schemes
• Examine product-specific fraud typologies closely, including property occupancy misrepresentation, title clouding, and auto/HELOC loan stacking
• Prepare, review, and file detailed fraud escalation cases and Suspicious Activity Report (SAR) referral documentation in strict compliance with federal regulations
• Conduct comprehensive, deep-dive fraud reviews on loans that experience early payment defaults (EPD) to uncover systemic vulnerabilities
• Monitor, track, and report on emerging fraud trends, vectors, and anomalies across diverse origination channels and dealer networks
• Maintain operational fraud scorecards and manage dealer-related fraud risk indicators to protect portfolio performance
• Collaborate actively with the Quality Control (QC) team to enhance front-end fraud detection models, system rules, and automated controls
• Cross-functionally with Operations, Compliance, Legal, and Credit Risk teams to suggest control improvements and handle regulatory inquiries
• Identify regulatory and operational risks related to financial crimes, ensuring all actions match strict Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) guidelines
• Maintain meticulous, audit-ready fraud investigation records, case logs, and evidence documentation

Requirements

• Minimum of three (3) years of professional experience in fraud investigation, risk analytics, or financial crimes within consumer lending, fintech, or regulated financial institutions
• Bachelor's degree or equivalent professional experience in an analytical, risk, or criminal justice discipline
• Deep expertise investigating consumer lending fraud vectors, specifically application fraud, identity theft, income/employment misrepresentation, and physical collateral/property fraud
• Proven experience drafting comprehensive, legally sound fraud investigation summaries and SAR documentation
• Advanced analytical reasoning skills with a knack for identifying subtle data discrepancies and pattern trends within financial files
• Highly organized and detail-oriented mindset, capable of managing an active investigative case queue under tight timeline expectations
• Professional certifications such as Certified Fraud Examiner (CFE) or Certified Anti-Money Laundering Specialist (CAMS) are highly advantageous but not required

Pay Range and Compensation Package

The target annual base salary or hourly wage for this specialized risk management role is highly competitive and will be determined dynamically based on the final candidate's depth of secured lending fraud experience, investigative certifications, and localized geographic market data. A comprehensive perks and benefits overview—including standard medical insurance options, retirement plan matching paths, flexible digital-first work allowances, and paid time off structures—will be shared transparently during the initial screening conversation.

Equal Opportunity Statement

The client is an equal opportunity employer. They celebrate diversity and are committed to creating an inclusive environment for all employees. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, or national origin.