Associate Compliance Manager, Servicing

Upstart•San Mateo, CA

3d•Remote

About The Position

About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, 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 Servicing 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.

Requirements

Experience: 5+ years of compliance, regulatory, or risk management experience in the financial services or fintech industry.
Education: Bachelor’s degree or equivalent relevant work experience.

Nice To Haves

Proven working knowledge of consumer protection regulations and applicable laws, including FDCPA, FCRA, ECOA, TILA, EFTA, GLBA, SCRA, and UDAAP and related State laws.
Operational Expertise: Prior experience in operationalizing a compliance program, including developing monitoring and testing procedures, drafting policies/procedures, and managing remediation efforts.
Experience supporting or maintaining components of a Compliance Management System (e.g., monitoring, documentation, training, issue remediation)
Demonstrated ability to communicate complex compliance requirements clearly to cross-functional partners (e.g., Operations, Product, Engineering) and drive consensus on risk decisions.
Strong organizational and project management skills with the ability to manage multiple competing priorities in a fast-paced, high-growth environment.
Self-starter mentality with a strong sense of personal accountability and ownership with the ability to work well under pressure.
Strong commitment to ethics and exercises good judgment.
Adaptable and flexible to changing priorities and situations.
Flexibility and willingness to learn and take on new evolving responsibilities.
Ability to build strong cross-functional relationships and influence.
CRCM, other Compliance Certifications, or JD are a plus.

Responsibilities

Coordinate with operations and product teams to design new controls and enhance existing controls.
Work with business stakeholders to craft compliance guidance, procedures and job aids that comply with regulations and implemented policies.
Partner with operations teams to drive efficiency, identify opportunities to improve processes, and build remediation plans where appropriate to resolve issues.
Review third party vendor engagements for compliance with policies and procedures.
Develop and deliver role based training to servicing teams.
Monitor servicing activities for regulatory risks, develop Compliance KRIs, and report potential risks to senior management.
Support organizational change management by acting as an internal project manager for the compliance team on strategic initiatives.

Benefits

Competitive Compensation (base + bonus & equity)
Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
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