Director, Compliance & Control Oversight - Growth

Upstart

2d•$201,200 - $278,500•Remote

About The Position

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.

Requirements

7+ years in compliance, legal, or risk management in consumer lending, banking, or fintech
Direct experience in marketing compliance, customer acquisition oversight, or partner/affiliate compliance
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
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

Nice To Haves

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
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
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
Accountable end-to-end for compliance outcomes — works root causes through to resolution on marketing violations, disclosure issues, and control gaps, not just escalation
Familiarity with secured consumer lending marketing compliance, including HELOC or home equity lending
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

Responsibilities

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.
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.
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.
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.
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.
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.

Benefits

Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
Health Savings Account contributions from Upstart for eligible plans (US only)
Income protection benefits, including life insurance and disability coverage for added financial security
Paid time off, sick leave, and company holidays, in line with local requirements
Paid family and parental leave to support caregiving and major life moments (duration varies by country)
Family-centered benefits to support fertility, parenthood, and caregiving needs
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 (US Only)
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, all-company updates, and employee resource groups (ERGs)
Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)