Senior Compliance Manager, Home Lending

Upstart

97d • $160,100 - $221,700

About The Position

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; and Austin, Texas. 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: Upstart’s Home Lending Legal, Regulatory, and Risk Management team plays a critical role in enabling the growth and stability of our Home Lending business. We work cross-functionally with Operations, Engineering, Product, Legal, Risk, and Compliance to ensure that Upstart’s home lending activities meet regulatory standards and align with best practices. Our team is focused on building scalable, effective, and forward-looking compliance oversight that empowers business success while managing risk. As the Senior Compliance Manager, Home Lending Operations, you will lead the development and execution of key compliance initiatives and support post-onboarding functions across the home lending lifecycle. You’ll partner closely with internal stakeholders—including Servicing, Enterprise Risk Management, Legal, Risk, and Ops teams—as well as external vendors and investors, to ensure operational processes align with regulatory expectations and contribute to building a best-in-class compliance program.

Requirements

• 8+ years of experience in compliance, regulatory, legal, or risk management roles in the consumer or mortgage lending space.
• Strong working knowledge of applicable laws and regulations (e.g., ECOA, FCRA, TILA, RESPA, UDAAP, FDCPA, Reg X, GLBA, AML/OFAC, and state-specific requirements).
• 2+ years of people management or program leadership experience.
• Demonstrated ability to operationalize compliance programs and partner cross-functionally.
• Excellent communication, organizational, and project management skills.

Nice To Haves

• Bachelor’s degree or equivalent relevant experience.
• Experience working in a fast-paced or high-growth fintech or financial institution.
• Familiarity with investor and agency audits and compliance requirements.
• Knowledge of compliance management systems (CMS) including monitoring, testing, and issue tracking frameworks.
• Ability to balance business goals with regulatory obligations through practical, risk-informed decision-making.
• Experience in using AI tools for workflow optimization and documentation.

Responsibilities

• Support operational compliance activities both pre- and post-origination, including internal training and control enhancements.
• Lead compliance oversight across home lending operations with a focus on post-origination risk management.
• Partner with Third Party Risk Management (TPRM) to oversee vendor due diligence, renewals, and ongoing monitoring.
• Manage escalated operational consumer complaints, ensuring timely resolution and root cause analysis.
• Collaborate with operations and servicing teams to assess compliance risks, design controls, and implement process improvements.
• Provide compliance support for investor reporting and inquiries related to home lending operations.
• Design, implement, and monitor compliance controls across servicing and operational teams ensuring alignment with the CMS framework.
• Lead issue management and corrective action programs, driving remediation and sustainable change.
• Oversee the development and execution of the Quality Control Program to ensure alignment with regulatory expectations.

Benefits

• Medical insurance
• Dental insurance
• Vision insurance
• 401k
• Target bonuses
• Equity compensation

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: Bachelor's degree
• Number of Employees: 1,001-5,000 employees