Director Compliance & Control Oversight - Growth

The Team: 

The Unsecured Consumer Lending team at Upstart Bank operates as the full first line of defense across product growth operations and customer lifecycle for our personal loan secured deposit line and emerging consumer products. Compliance and controls are built into how we scale — not layered on at the end. This team is accountable for ensuring that everything we put in front of borrowers partners and regulators is accurate fair and examination-ready. 

The Director Compliance & Controls — Growth leads first-line compliance for Upstart’s growth engine: the acquisition channels marketing programs partner relationships and product launches that bring borrowers to our platform. This is a senior accountability role at the intersection of lending growth and regulatory discipline — one that shapes how Upstart grows as much as how it controls.

How you’ll make an impact

• Channel & partner oversight: Own first-line compliance and controls for the growth function — acquisition channels marketing programs (social direct mail email co-branded) partner and affiliate relationships and new product introductions — reviewing each for regulatory fair lending and disclosure risk and approving marketing materials and third-party-produced content before release.
• Regulatory review & approval: Bring UDAAP Regulation B CAN-SPAM TCPA and disclosure expertise to the front of the design process — translating regulatory requirements into practical guidance for channel launches partner agreements and product changes at the design stage not at the finish line.
• Control framework: Build and maintain the business control framework: marketing approval policies campaign inventory and change control compliance monitoring and regulatory change management. Quantify exposure and calibrate controls based on actual risk — not volume or optics.
• Accountability: Own root cause analysis and remediation design for growth-related compliance matters — complaints risk assessments marketing claims violations and disclosure errors — working with the issue management function to drive durable fixes tracked to completion.
• Influence: Operate as a trusted compliance partner in both directions: enabling Growth Product Marketing and ML teams to move with clarity and speed while representing the business to second-line compliance Legal and auditors across risk assessments fair lending reviews and regulatory examinations. Maintain examination-ready documentation and serve as the business’s primary point of contact in audits and governance reviews.
• Team leadership: Build and develop a compliance team with depth across consumer protection marketing and acquisition channel regulation. Set the standard for analytical rigor proactive issue identification and practical guidance that enables the business — not just gatekeeping.

Minimum Qualifications 

• Consumer lending experience: 7+ years in compliance legal or risk management in consumer lending banking or fintech
• Marketing compliance: Direct experience in marketing compliance customer acquisition oversight or partner/affiliate compliance
• Regulatory knowledge: Deep working knowledge of consumer protection regulations applicable to loan marketing and offer generation including UDAAP Regulation B CAN-SPAM TCPA and applicable state laws
• Program leadership: Demonstrated experience managing a first-line compliance function in a bank-regulated environment including operating across first-line second-line and Legal structures with clear accountability; credible with regulators internal audit and senior leadership

Preferred Qualifications

• Analytical rigor: Able to apply UDAAP Regulation B and related consumer protection frameworks to novel marketing and channel contexts — quantifying exposure and prioritizing controls based on materiality not issue volume
• Influence: Confident and credible with Growth and Product leaders regulators and second-line partners — including experience supporting OCC CFPB or state regulatory examinations on consumer lending compliance; able to hold a position and represent the business directly
• Initiative: Track record of identifying compliance gaps in marketing programs acquisition channels or partner relationships before they escalate — proposing solutions and driving execution without waiting for direction
• Ownership: Accountable end-to-end for compliance outcomes — works root causes through to resolution on marketing violations disclosure issues and control gaps not just escalation
• Secured lending: Familiarity with secured consumer lending marketing compliance including HELOC or home equity lending
• AI fluency: Familiarity with AI/ML-driven credit decisioning — including adverse action accuracy and fair lending implications — and comfort using AI tools to increase the efficiency and quality of compliance work

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.

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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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