• Provide strategic legal counsel to Product, Engineering, Risk, Compliance, and Operations teams to support Upstart's HELOC product and transition from a state-licensed lender to a national bank. • Provide legal counsel and advice on future products, which may include purchase-money mortgages. • Advise on federal and state consumer lending laws, mortgage regulations, and regulatory developments that impact home lending products and services. • Partner with cross-functional stakeholders to design compliant product features, customer experiences, operational processes, and servicing capabilities. • Lead legal support for new product initiatives, regulatory change management, and market expansion efforts related to home lending. • Collaborate across the Product & Regulatory Legal team and with other legal teams, including lawyers supporting Privacy, Fair Lending, Capital Markets and Commercial contracts, as needed. • Develop practical legal frameworks, policies, and guidance that enable business growth while appropriately managing legal and regulatory risk. • Collaborate with internal and external stakeholders, including regulators, bank partners, and outside counsel, on legal matters affecting the HELOC business. • Identify and communicate key legal risks to business partners; ability to distill complex legal matters and risks for senior leadership in a clear and actionable manner, synthesizing complex concepts into concise recommendations.

• You'll own the legal function day to day — hands-on, pragmatic, and commercially minded. • Work directly with leadership on a broad mandate: keep deals moving, protect the business, and use good judgment about what to handle in-house versus when to bring in outside counsel. • Start as the sole senior legal hire and build out the legal function as the company grows. • Lead commercial contracting — customer agreements, MSAs, DPAs, and vendor, partner, contractor, and consulting agreements — with fast turnaround. • Manage disputes and demand letters — assess exposure, set strategy, and coordinate with outside counsel and insurers. • Handle corporate matters — the insurance program (D&O/E&O renewals and claims), corporate governance, entity management, and support for financing or M&A activity as it arises. • Coordinate employment law matters across the US, UK, Canada, and other jurisdictions with international contractors.

• Serve as counsel for our Government Price Reporting function concerning legal, regulatory, and compliance issues associated with federal government price reporting requirements • Serve as counsel for our U.S. Market Access and Pricing functions advising on price reporting, Anti-Kickback Statute and False Claims Act matters • Provide strategic legal counsel to senior management on product pricing and access matters • Advise on federal and state Medicaid programs • Provide legal advice and assistance for the development of policies and training, and conduct training • Resolve routine legal matters with direct supervision as needed from more experienced attorneys, and assist more experienced attorneys in resolving complex legal issues on cross-functional projects • Develop deep knowledge of AbbVie’s business and supported client areas, and keeping abreast of changes in law that affect supported client areas • Resolve legal issues using negotiation skills and legal expertise • Advise legal department managers of project developments in a timely manner • Execute core job responsibilities in a timely manner • Help direct work of outside counsel, define project objectives and manage project

• Provide expert legal counsel on product development involving stablecoins, payments, blockchain technology, and digital asset services • Advise on complex financial services regulations, BSA/AML/CFT compliance, sanctions, intellectual property, data privacy, and cybersecurity • Support domestic and international licensing, regulatory strategy, and engage with global regulators • Draft and negotiate sophisticated commercial agreements • Support corporate governance and venture financing • Translate evolving regulatory requirements into actionable business guidance • Lead multiple high-stakes legal projects in a fast-paced, ambiguous environment • Collaborate cross-functionally and manage outside counsel