Note: The job is a remote job and is open to candidates in USA. Upstart is a leading AI lending marketplace dedicated to reducing the cost and complexity of borrowing for Americans. The HMDA/CRA Data Analyst will support compliance with data collection and reporting requirements, ensuring data integrity and collaborating with various teams to resolve discrepancies.
Responsibilities
- Manage HMDA and CRA data integrity reviews, including routine monitoring, exception tracking, and remediation
- Coordinate the annual HMDA Loan/Application Register (LAR) and CRA data submission processes
- Perform data validation and quality control testing to identify coding, completeness, and accuracy issues
- Partner with Compliance, Operations, Engineering, and other business teams to resolve data discrepancies
- Maintain documentation of data reviews, corrections, procedures, controls, and submission evidence
- Support regulatory exams, internal audits, compliance testing, and investor or management reporting related to HMDA and CRA
- Monitor regulatory changes and assist with updates to policies, procedures, training, and system controls
- Prepare periodic reporting for management on data quality trends, exceptions, corrective actions, and submission readiness
Skills
- 3-5 years of experience with HMDA and CRA data collection, reporting, or compliance reporting and monitoring
- Strong understanding of mortgage lending operations and regulatory data requirements
- Excellent analytical, organizational, and problem-solving skills
- Ability to work cross-functionally and manage deadlines in a highly regulated environment
- Proficiency with loan origination, compliance, or data reporting systems
- Prior experience preparing HMDA LAR or CRA submissions
- Familiarity with fair lending, mortgage compliance, or consumer lending compliance
- Experience supporting regulatory exams, audits, or compliance testing
Benefits
- Target bonuses
- Equity compensation
- Annual equity grants that vest quarterly
- Retirement benefits, including a 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
- Supplemental health coverage for Canada
- 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 your physical and emotional well-being and personal development
- Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
- 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 our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026)
Company Overview
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