Compliance Assistant Manager HELOC

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.
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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 $15000 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 

What We Do

Upstart is the leading AI lending marketplace connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart's AI lenders can approve more borrowers at lower rates across races ages and genders while delivering the exceptional digital-first experience customers demand. More than 80% of borrowers are approved instantly with zero documentation to upload. Founded in 2012 Upstart’s platform includes personal loans automotive retail and refinance loans home equity lines of credit and small-dollar “relief” loans. If you are energized by the impact you think you could make at Upstart we'd love to hear from you!

Why Work With Us

Connection to our mission creates a special environment where people feel passionately about the impact they make in the world. Upstart is fast-paced and we encourage ownership at all levels of the organization. As a result culture at Upstart is driven by Upstarters. Upstarters are proactive talented multi-dimensional and collaborative.

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