Upstart
501-1000 employees
Financial Services
Fintech
Consumer Lending
Artificial Intelligence
About Upstart
Upstart is a leading AI lending platform that partners with banks to provide personal loans using advanced machine learning models to assess credit risk more accurately than traditional methods. Founded in 2012, the company aims to expand access to affordable credit while reducing the risk and costs for lenders. Upstart's platform leverages non-traditional variables such as education and employment history to improve loan approval rates and lower interest rates for borrowers. The company operates primarily in the consumer lending space and is publicly traded on NASDAQ under the symbol UPST. Upstart's mission is to democratize credit and make borrowing more inclusive and efficient through innovative technology.
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Description
- Upstart is a leading AI lending marketplace that partners with banks and credit unions to expand access to affordable credit through innovative, digital-first solutions.
- The Compliance team plays a vital role in risk mitigation and organizational growth, with responsibilities including designing controls, crafting compliance guidance, reviewing vendor engagements, delivering training, monitoring activities for risks, and supporting change management initiatives.
- The role is remote, with the team operating across US time zones, and offers a comprehensive benefits package including medical, dental, vision, 401(k), stock options, and generous leave policies.
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Requirements
- Experience: 5+ years of compliance, regulatory, or risk management experience in the financial services or fintech industry.
- Education: Bachelor’s degree or equivalent relevant work experience.
- Proven working knowledge of consumer protection regulations and applicable laws, including FDCPA, FCRA, ECOA, TILA, EFTA, GLBA, SCRA, and UDAAP and related State laws.
- Operational expertise in operationalizing a compliance program, including developing monitoring and testing procedures, drafting policies/procedures, and managing remediation efforts.
- Experience supporting or maintaining components of a Compliance Management System (e.g., monitoring, documentation, training, issue remediation).
- Ability to communicate complex compliance requirements clearly to cross-functional partners and drive consensus on risk decisions.
- Strong organizational and project management skills with the ability to manage multiple priorities in a fast-paced environment.
- Self-starter mentality with a strong sense of personal accountability and ownership.
- Strong commitment to ethics and exercising good judgment.
- Adaptability and flexibility to changing priorities.
- Willingness to learn and take on evolving responsibilities.
- Ability to build strong cross-functional relationships and influence.
- CRCM, other Compliance Certifications, or JD are a plus.
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Benefits
- Competitive Compensation (base + bonus & equity)
- Comprehensive medical, dental, and vision coverage with Health Savings Account contributions
- 401(k) with 100% company match up to $4,500 and immediate vesting
- 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
- Catered lunches, snacks & drinks when working in offices