Compliance & Controls Manager, Upstart

• 7+ years of experience reviewing marketing, advertising, or customer-facing content for compliance within banking, fintech, consumer lending, or another highly regulated industry
• Experience applying consumer protection regulations, including UDAAP and one or more of the following: Regulation B, TCPA, CAN-SPAM, or Fair Lending requirements
• Experience managing high-volume compliance reviews while meeting competing deadlines and supporting multiple concurrent product or marketing initiatives
• Experience partnering cross-functionally with Product, Marketing, Legal, or Compliance stakeholders to support product launches or marketing initiatives
• 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

Desirable

• Upstart's Growth Compliance team partners with Marketing, Product, Legal, and second-line Compliance to help the business grow responsibly
• The team enables the launch of marketing campaigns, customer experiences, and lending products by providing practical, risk-based compliance guidance that supports innovation while meeting consumer protection requirements
• As the Compliance & Controls Manager, you'll serve as a trusted first-line compliance partner for Upstart's Growth organization
• This is a First Line of Defense (1LOD) role, working directly with the business to enable growth while managing risk
• Unlike Upstart's Second Line of Defense (2LOD) Compliance and Risk teams, this role is embedded with the business, helping shape customer experiences and product initiatives before they launch
• This is an opportunity to help build and scale Upstart's first-line Growth Compliance function
• During your first year, you'll play a key role in developing review frameworks, operating processes, and scalable ways of working that support new marketing, advertising, customer experience, and partnership initiatives as the business continues to grow
• Review marketing campaigns, customer communications, partner materials, and product launches to ensure compliance with applicable consumer protection laws and regulations before launch
• Partner closely with Marketing, Product, Legal, and second-line Compliance to provide practical, risk-based guidance that enables timely business decisions while managing regulatory risk
• Apply regulatory frameworks, including UDAAP and other consumer protection requirements, to evaluate new marketing claims, customer journeys, and emerging product experiences
• Help build and scale the team's first-line compliance operating model by developing practical review frameworks, governance, and processes that support a growing business
• Develop and continuously improve scalable review processes, procedures, checklists, and guidance that increase consistency and reduce review cycle times as the business grows
• Identify recurring compliance themes and recommend process improvements that strengthen first-line risk management and reduce future operational risk
• Leverage internal tooling and Generative AI solutions to improve review efficiency, document guidance, and enhance compliance workflows while applying appropriate human judgment