The Team:
Our Compliance team plays a critical role in mitigating risk and protecting Upstart's growth and success, and as a Home Lending Compliance Associate Manager at Upstart, you will have a tremendous impact on this critical team. Someone that is successful in this role will be a 'Go Getter' by partnering in change, re-defining policies and improving practices. You'll develop relationships of trust within the organization so that your role is a value add for the business unit. Your relevant skills and expertise will be an integral part of the discussion when addressing ways to further enhance the Compliance Management Systems and programs at Upstart. If you have previous compliance management experience and share our passion for consumer protection this could be the role for you.
How you'll make an impact
- Advise Product, Ops, Engineering, Servicing, and Marketing on compliant mortgage (primarily HELOC) processes and requirements in a bank or bank-regulated environment.
- Review product designs, workflows, and disclosures to identify compliance risks, gaps, and control needs.
- Design, implement, and enhance controls and compliance processes for new and existing products.
- Own regulatory change management: monitor changes, assess impact, and drive implementation with accountable owners.
- Translate requirements into clear policies/procedures and tech-ready guidance for scalable implementation.
- Review marketing/advertising and channel content (web, email, SMS, contact center) for claims and disclosure compliance.
- Oversee HELOC servicing compliance, including statements, customer communications, complaints, error resolution, and third-party/vendor oversight.
- Run independent compliance monitoring; build KRIs and report trends and risks to leadership.
- Manage the issue lifecycle: document findings, assign owners, drive corrective actions, and validate closure.
- Deep-dive into systems and historical implementations to validate ongoing compliance and support remediation.
Minimum Qualifications
- 5+ years in mortgage or home equity regulatory compliance (bank or bank-regulated environment preferred) with working knowledge of consumer protection laws (e.g., TILA/Reg Z, RESPA/Reg X, ECOA/Reg B, FCRA/Reg V, GLBA/Reg P, FDPA/Flood, Fair Housing Act, HMDA/Reg C, SAFE Act, UDAAP, EFTA/Reg E, SCRA) and applicable state laws.
- Proven ability to partner closely with Product, Engineering, Operations, and Servicing teams.
- Experience assessing risk, designing controls, and executing monitoring/oversight (including KRIs).
- Proactive, high-ownership mindset; comfortable diving into systems and past implementations.
- Strong judgment, escalation skills, and ability to influence stakeholders in fast-paced, ambiguous environments.
- Strong written and verbal communication skills.
- Bachelor's degree or equivalent practical experience.
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Preferred Qualifications
- HELOC/home equity product experience.
- Experience across both bank and non-bank or fintech lending environments.
- Familiarity with digital origination and omni-channel communications (web, SMS, email, call center).
- Familiarity with tools like Slack, Google Workspace, and Jira.
- CRCM, JD, or other compliance certifications a plus.
Position location This role is available in the following locations: Remote
Time zone requirements The team operates on the East - West coast time zones.
Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions' cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
What you'll love:
- Competitive Compensation (base + bonus & equity)
- Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
- Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
- Employee Stock Purchase Plan (ESPP)
- Life and disability insurance
- Generous holiday, vacation, sick and safety leave
- Supportive parental, family care, and military leave programs
- Annual wellness, technology & ergonomic reimbursement programs
- Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
- Catered lunches + snacks & drinks when working in offices
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