Note: The job is a remote job and is open to candidates in USA. Upstart is an AI lending marketplace that partners with banks and credit unions to expand access to affordable credit. The Compliance & Controls Manager will serve as a first-line compliance partner for the Growth organization, reviewing marketing, customer experience, partner, and product initiatives for consumer protection compliance. The role will also build scalable compliance frameworks, processes, and workflows while supporting responsible business growth.
Responsibilities
- Review marketing campaigns, customer communications, partner materials, and product launches to ensure compliance with applicable consumer protection laws and regulations before launch
- Partner closely with Marketing, Product, Legal, and second-line Compliance to provide practical, risk-based guidance that enables timely business decisions while managing regulatory risk
- Apply regulatory frameworks, including UDAAP and other consumer protection requirements, to evaluate new marketing claims, customer journeys, and emerging product experiences
- Help build and scale the team's first-line compliance operating model by developing practical review frameworks, governance, and processes that support a growing business
- Develop and continuously improve scalable review processes, procedures, checklists, and guidance that increase consistency and reduce review cycle times as the business grows
- Identify recurring compliance themes and recommend process improvements that strengthen first-line risk management and reduce future operational risk
- Leverage internal tooling and Generative AI solutions to improve review efficiency, document guidance, and enhance compliance workflows while applying appropriate human judgment
Skills
- * 7+ years of experience reviewing marketing, advertising, or customer-facing content for compliance within banking, fintech, consumer lending, or another highly regulated industry
- * Experience applying consumer protection regulations, including UDAAP and one or more of the following: Regulation B, TCPA, CAN-SPAM, or Fair Lending requirements
- * Experience managing high-volume compliance reviews while meeting competing deadlines and supporting multiple concurrent product or marketing initiatives
- * Experience partnering cross-functionally with Product, Marketing, Legal, or Compliance stakeholders to support product launches or marketing initiatives
- * Ability to translate complex regulatory requirements into practical guidance, procedures, and scalable review processes
- * Ability to influence cross-functional stakeholders and build trusted partnerships in a fast-paced environment
- This role is available in the following locations: Remote
- The team operates on the East & West coast time zones
- 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
- * Knowledge of secured lending products, including HELOC or other secured consumer lending products
- * Knowledge of compliance considerations related to AI-enabled customer experiences or automated decisioning
- * Experience using Generative AI tools to improve research, documentation, or compliance review workflows
Benefits
- Remote work arrangement; the majority of employees can live and work anywhere in the U.S.
- Target bonuses
- Equity compensation
- 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 (USD in the US, CAD in Canada)
- 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 for US employees
- Health Savings Account contributions from Upstart for eligible plans (US only)
- Income protection benefits, including life insurance and disability coverage
- Paid time off, sick leave, and company holidays, in line with local requirements
- Paid family and parental leave to support caregiving and major life moments (duration varies by country)
- Family-centered benefits to support fertility, parenthood, and caregiving needs
- Employee Assistance Program (EAP) offering mental health support and life-centered resources
- Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)
- Annual wellness allowance to support physical and emotional well-being and personal development
- Annual productivity allowance to invest in relevant tools and resources
- Connection and community through team events, all-company updates, and employee resource groups (ERGs)
- Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of the company's offices in the Bay Area, Austin, Columbus, and New York City
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