About Upstart
At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.
As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.
We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.
If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.
**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.
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
#LI-REMOTE
#LI-Associate
At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
United States | Remote - Anticipated Base Salary Range
$115,000—$160,000 USD
What you'll love
At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:
- Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
- Retirement benefits to help you plan for the future, 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 designed to support you and your family, including medical, dental, vision, and wellness resources for US and 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 for added financial security
- 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, based on what matters most to you
- 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!)
For roles based in Canada, please note that we are not currently able to hire in Quebec.
Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.
If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com
https://www.upstart.com/candidate_privacy_policy