About Upstart 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. The Team: 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. How you’ll make an impact - 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. Minimum Qualifications - Experience working within a bank's mortgage lending operations 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, and related state laws - Proven ability to collaborate across Product, Operations, and Engineering teams - Experience working closely with Operations and Product organizations - Ability to identify, assess, and make decisions around risk - Strong written and verbal communication skills - Proactive, self-driven mindset with strong ownership - Willingness to dive deep into systems and past implementations - Comfort escalating issues and influencing stakeholders - Ability to operate effectively in ambiguous, fast-paced environment Preferred Qualifications - 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 Position location This role is available in the following locations: Remote Time zone requirements The team operates on the East - West coast time zones. Travel requirements As a digital first company, the majority of your work can be accomplished remotely. 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. What you'll love: - 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 #LI-REMOTE #LI-Associate At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $115,000—$160,000 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: - Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly - Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year - Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees - 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!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy