Remote Fraud Analyst, Secured Lending

Note: The job is a remote job and is open to candidates in USA. reputed company is a leading AI lending marketplace committed to reducing the cost and complexity of borrowing. The Fraud Analyst will be responsible for day-to-day fraud detection and investigation, managing fraud risks across various lending products, and collaborating with multiple departments to enhance fraud controls.

Responsibilities

Own first-line fraud detection and investigation across your assigned secured lending product line(s), monitoring for suspicious activity and fraud indicators across application, origination, and servicing

Investigate key fraud risks and emerging typologies, including application fraud, identity fraud (true-name and synthetic), income and employment misrepresentation, collateral fraud, and Auto dealer-related fraud patterns

Investigate product specific fraud typologies including occupancy misrepresentation, valuation inflation, and reputed company liabilities or loan stacking

Prepare comprehensive fraud escalation and SAR referral packages for review documenting facts, evidence, typology, and recommendations

Conduct early payment default (EPD) fraud file reviews performing fraud indicator review on loans reaching 60+ days past due within 90 days of origination

Monitor and analyze fraud trends across origination channels, including application fraud rates, dealer-level fraud indicators, geographic concentrations, synthetic identity patterns, and channel-level risk signals; producing fraud metrics and trend reporting

Maintain dealer fraud scorecards (Auto) and channel-level fraud indicator tracking, including pattern-based referrals and dealer suspension triggers in coordination with Vendor Management and dealer oversight functions

Integrate closely with the Secured Lending QC team triage fraud-related alerts surfaced by the QC Engine's daily monitoring output; provide typology and red flag feedback to improve detection rules and origination controls

Coordinate across Operations, Compliance, Legal, and Risk on fraud control enhancements, law enforcement information requests, and regulatory response support

Proactively identify regulatory risks related to fraud in your product line(s) and adjacent areas, including obligations under OCC Bulletin 2019-37, FFIEC BSA/AML Manual, Red Flags Rule (12 CFR Part 41, Subpart J), 12 CFR 21.11, and product-specific fraud risk requirements

Support examination readiness by maintaining audit-ready fraud investigation case records, typology documentation, and program evidence aligned with OCC, FDIC, and CFPB expectations

Skills

3+ years of experience in fraud investigation, fraud analytics, or financial crimes within reputed company lending, banking, or a regulated financial institution

Bachelor's degree or equivalent practical experience

Experience investigating reputed company 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 reputed company 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, reputed company 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 processe