Compliance Assistant Manager, HELOC

Upstart

13h•Remote

About The Position

At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. 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.

Requirements

5+ years compliance or regulatory experience in financial services with proven knowledge of consumer protection regulation including working knowledge of applicable laws including; TILA, RESPA, ECOA, FCRA, GLBA, FDPA, Fair Housing Act, HMDA, SAFE Act, UDAAP, EFTA, SCRA, mortgage call reporting, and related state laws
Prior experience in operationalizing a mortgage lending compliance program including monitoring and testing procedures and assisting with business needs
Great communication, organization, project management, and interpersonal skills with demonstrated decision-making capability while dealing with competing interests
Self-starter mentality with the ability to work well under pressure and a strong sense of personal accountability and ownership
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
Bachelor’s degree or relevant work experience

Nice To Haves

CRCM, other Compliance Certifications, or JD a plus
Experience in fintech or non-bank lending (e.g., Rocket, LoanDepot, Zillow)
Experience specifically with HELOC or home equity lending products
Familiarity with tools such as Slack, Google Sheets/Docs, and Jira

Responsibilities

Advise various teams to implement compliant operational processes and regulatory requirements for mortgage loan products, primarily home equity lines of credit (HELOCs).
Assist compliance management in supervising operational processes to ensure the compliance program is effective in identifying, preventing, and correcting areas of non-compliance with internal policies or regulatory requirements.
Independently perform regulatory compliance monitoring and oversight, develop compliance KRIs, and report potential risks to management.
Work with business stakeholders to craft compliance guidance, procedures, and job aids that comply with various regulations and internal policies.
Coordinate with operations and product teams to design new controls and enhance existing controls for new and existing home mortgage products.
Partner with operations and product teams to drive efficiency, identify opportunities to improve processes, and build remediation plans to resolve issues where appropriate.
Simplify compliance regulations so that technology teams can build scalable solutions, find elegant and creative solutions to compliance requirements, and work with various technical teams to empower various stakeholders.
Support organizational change management by acting as an advocate and subject matter expert for the compliance team on strategic initiatives.
Ability to identify and effectively communicate complex compliance issues with internal and external stakeholders.
Use past experience and judgment to provide advice on industry best practices related to product details, offerings and criteria.
Support geographic expansion into new markets by assessing and implementing state-level requirements.

Benefits

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 $15,000 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
Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
Health Savings Account contributions from Upstart for eligible plans
Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage
Paid time off, sick and safe time, and company holidays
Paid family and parental leave to support caregiving and major life moments
Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
Employee Assistance Program (EAP) offering mental health support and life-centered resources
Financial wellness resources, including access to financial planning tools and a financial concierge service
Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you
Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs)
Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).