Compliance Manager - Consumer lending

  • Upstart
  • San Carlos, CA, USA
  • Jul 17, 2018
Full time Compliance Legal

Job Description

Our compliance team plays a critical role in mitigating risk and protecting Upstart’s growth and success, and as Upstart’s Compliance Manager, you will have tremendous impact on this critical team. Someone that is successful in this role won’t say “no”:, but say “No, BUT” by 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. You’ll be a part of the conversation when new products or processes are developed versus getting involved after the fact. If you have previous compliance management experience and share our passion for consumer protection this could be the role for you.

Here is what you’ll be doing:

  • Provide subject matter expertise to the product, growth and operations teams with respect to compliance policies, procedures and issue resolution.
  • Maintain, review, and operationalize compliance program to adequately address the needs of a consumer credit business, using data and technology whenever possible to efficiently implement policies, procedures and monitoring activities.
  • Conduct compliance monitoring activities and manage remediation efforts.
  • Interface with investors, partners, and regulators during audits and exams.
  • Maintain a deep and up-to-date knowledge of Upstart’s current and future product offerings, and compliance related issues that could face Upstart.
  • Regularly report to senior management on compliance issues, recommendations, and progress.
  • Identify deficiencies in compliance program and proactively work with the business unit to come up with creative solutions to mitigate regulatory risk.


  • 8+ years of work experience with at least 3+ years experience in financial services with proven knowledge of consumer protection regulationincluding working knowledge of applicable laws including; ECOA, FCRA, TILA, FDCPA, EFTA, BSA/AML, OFAC, GLBA, and related state laws
  • Prior experience in operationalizing a compliance program including developing and testing procedures, training, and managing third party relationships.
  • Superior communication, organization, project management, and interpersonal skills with demonstrated decision-making capability while dealing with competing interests
  • Self-starter mentality with the ability to work well under pressure and a strong sense of personal accountability and ownership
  • Strong commitment to ethics and exercises good judgment.
  • Bachelor’s degree or relevant work experience
  • Spanish language proficiency is a plus.