Director, Compliance & Control Oversight – Growth

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.

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.

We’re intentional about in‑person connection through team onsites, planning sessions, and moments that spark creativity and trust.

The Team

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

This senior accountability role 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.

It shapes how Upstart grows while ensuring regulatory discipline.

• How you’ll make an impact
• Channel & partner oversight: Own first‑line compliance for acquisition channels, marketing programs (social, direct mail, email, co‑branded), partner and affiliate relationships, and new product introductions.

Review each for regulatory, fair lending, and disclosure risk, and approve marketing materials and third‑party content before release.

• Regulatory review & approval: Bring UDAAP, Regulation B, CAN‑SPAM, TCPA, and disclosure expertise to the design process — translating regulatory requirements into practical guidance for channel launches, partner agreements, and product changes at the design stage.
• Control framework: 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.

• Accountability: Own root‑cause analysis and remediation design for growth‑related compliance matters — complaints, risk assessments, marketing claims violations, and disclosure errors — working with issue management to drive durable fixes tracked to completion.
• Influence: Operate as a trusted compliance partner in both directions: enabling Growth, Product, Marketing, and ML teams, while representing the business to second‑line compliance, Legal, and auditors across risk assessments, fair lending reviews, and regulatory examinations.
• Team leadership: 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.

• Minimum Qualifications
• Consumer lending experience: 7+ years in compliance, legal, or risk management in consumer lending, banking, or fintech.
• Marketing compliance: Direct experience in marketing compliance, customer acquisition oversight, or partner/affiliate compliance.
• Regulatory knowledge: 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.
• Program leadership: Demonstrated experience managing a first‑line compliance function in a bank‑regulated environment, with clear accountability across first‑line, second‑line, and Legal structures.

Credible with regulators, internal audit, and senior leadership.

• Preferred Qualifications
• Analytical rigor: Apply UDAAP, Regulation B, and related frameworks to novel marketing and channel contexts, quantifying exposure and prioritizing controls based on materiality.
• Influence: Confident and credible with Growth and Product leaders, regulators, and second‑line partners — including experience supporting OCC, CFPB, or state regulatory examinations.
• Initiative: Track record of identifying compliance gaps before they escalate — proposing solutions and driving execution without direction.
• Ownership: Accountable end‑to‑end for compliance outcomes, working through root causes to resolution on violations, disclosure issues, and control gaps.
• Secured lending: Familiarity with secured consumer lending marketing compliance, including HELOC or home equity lending.
• AI fluency: Familiarity with AI/ML‑driven credit decisioning, including adverse action accuracy and fair lending implications, and comfort using AI tools to increase efficiency and quality of compliance work.
• Position location
• Remote (U. S.)

Compensation and Benefits

• Competitive base salary (U. S.) ranging from $201,200 to $278,500 USD.
• Target bonuses and annual equity grants that vest quarterly.
• 401(k) or Group Retirement Savings Plan with company match of $2 for every $1 contributed, up to $15,000 annually.
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options (U. S. only).
• Comprehensive health coverage, including medical, dental, vision, and wellness resources for U. S. employees and supplemental coverage for Canada.
• Health Savings Account contributions for eligible U. S. plans.
• Income protection benefits: life insurance and disability coverage.
• Paid time off, sick leave, and company holidays, in line with local requirements.
• Paid family and parental leave, varying by country.
• Family‑centered benefits supporting fertility, parenthood, and caregiving needs.
• Employee Assistance Program offering mental health support.
• Financial wellness resources, including access to planning tools and a concierge service (U. S. only).
• Annual wellness allowance and productivity allowance for tools and resources.
• Connection and community through team events, all‑company updates, and employee resource groups.
• Onsite perks, including catered lunches and micro‑kitchens, at offices in the Bay Area, Austin, Columbus, and New York City (opening Summer2026).
• Travel

As a digital‑first company, most work is remote. Employees are encouraged to attend in‑person sessions once or twice per quarter for 2‑4 consecutive days.

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