Compliance & Controls Associate, Upstart

• 5+ years of compliance or regulatory experience in financial services, with working knowledge of consumer-protection regulations relevant to auto lending and servicing (e.g., ECOA, FCRA, FDCPA, TILA, GLBA)
• Auto servicing knowledge spanning from bankruptcy, repossession, and recovery
• Demonstrated ability to design, document, and implement effective risk and control processes
• Experience working cross-functionally with compliance, risk, legal, and business stakeholders on regulatory or control-related initiatives

Desirable

• Our Compliance team plays a critical role in mitigating risk and protecting Upstart's growth and success
• As a Compliance & Controls Associate supporting Auto Servicing, you'll lead key compliance workstreams supporting auto lending partnering cross functionally to translate regulatory requirements into practical product and operational solutions
• This role will help build and operate the First Line of Defense (1LOD) control environment for servicing, repossession, recovery, and dealer oversight activities — working to ensure our auto servicing processes are compliant, scalable, and examination-ready as Upstart grows
• You'll partner in change, build practical controls, and translate regulatory expectations into durable day-to-day operating practices
• You'll develop relationships of trust across the organization so your work is a genuine value-add for the business
• If you have consumer-lending compliance experience and share our passion for consumer protection, this could be the role for you
• This is a First Line of Defense (1LOD) role, embedded within and partnering closely with the Product and Engineering business lines — distinct from Upstart's Second Line of Defense (2LOD) Compliance/Risk oversight functions
• Help design, document, and operate first-line controls across auto servicing, repossession, recovery, and dealer/channel oversight
• Perform duties tied to auto servicing compliance functions to meet applicable regulatory obligations across loan servicing initiatives and strategies
• Identify compliance issues and support timely, sufficient remediation — reviewing action plans and documentation tied to event closure
• Build and maintain monitoring routines, reporting, and metrics (KPIs/KRIs) that surface emerging risk across servicing and related channels
• Support complaint oversight and translate findings into control and process improvements
• Reduce complex, judgment-heavy compliance requirements into scalable, technology-friendly requirements that business and engineering teams can execute consistently
• Partner closely with Product, Engineering, Risk, Legal, Operations and 2LOD Compliance to strengthen business-owned oversight in support of an OCC-aligned 1LOD framework
• Serve as an internal advocate for compliance, and be fintech-forward — identifying tools and automation that improve the efficiency and quality of compliance reviews
• Prepare and support reporting for the compliance program and the broader servicing organization