About Upstart
Upstart is a 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 two-thirds of Upstart loans are approved instantly and are fully automated.
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 Compliance Testing and Monitoring team plays a critical role in ensuring Upstart adheres to regulatory requirements by systematically assessing internal controls, policies, and operational processes. Our impact lies in identifying compliance gaps, mitigating financial and reputational risks, and enhancing trust with regulators, customers, and stakeholders. The team's priorities include conducting risk-based testing, improving automation for real-time compliance monitoring, and ensuring adherence to evolving regulations, with a goal of fostering a proactive compliance culture that supports innovation while maintaining regulatory integrity.
As a Compliance Testing Manager at Upstart, you will lead the design and execution of compliance testing programs to ensure regulatory adherence across our products and services. Your work will help identify and mitigate compliance risks, ensuring that Upstart meets legal and industry standards while maintaining operational efficiency. By collaborating with internal stakeholders, you will enhance compliance controls, drive process improvements, and foster a culture of proactive risk management.
Position Location - This role is available in the following locations: Remote
Time Zone Requirements - This 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.
How you’ll make an impact:
- Develop and execute a risk-based compliance testing program, identifying gaps and ensuring controls align with regulatory requirements.
- Design and implement testing methodologies, including sampling techniques, control evaluations, and root cause analysis.
- Analyze compliance test results, prepare reports, and communicate findings with business leaders and compliance stakeholders to drive corrective actions.
- Partner with Risk, Legal, Internal Audit, and Product teams to enhance compliance frameworks and proactively address emerging risks.
- Monitor regulatory changes and assess their impact on existing compliance controls, updating testing strategies as needed.
- Leverage automation and data analytics to improve compliance testing efficiency and scalability.
What we’re looking for:
- Minimum qualifications:
- 5+ years of experience in compliance testing, audit, risk management, or regulatory oversight within financial services or fintech.
- 3+ years of people management experience.
- Deep knowledge of consumer lending laws and regulations (e.g., ECOA, FCRA, UDAAP, TILA, GLBA).
- Experience conducting control assessments, issue remediation tracking, and reporting on compliance risk.
- Excellent analytical, problem-solving, and communication skills to effectively engage with stakeholders.
- Preferred qualifications:
- Certifications such as CRCM, CAMS, or CIA.
- Experience working with fintech products, digital banking, or lending platforms.
- Knowledge of data analytics tools (e.g., SQL, Tableau, Power BI) to enhance compliance testing.
- Familiarity with AI-driven credit underwriting models and regulatory expectations around fairness and transparency.
- Ability to adapt to a fast-paced, high-growth environment while maintaining a strong compliance culture.
What you'll love:
- Competitive Compensation (base + bonus & equity)
- Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
- 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
- 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-MidSenior
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
$137,500—$190,600 USD
Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.
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 [email protected]
https://www.upstart.com/candidate_privacy_policy
Top Skills
What the Team is Saying
What We Do
Upstart is the leading AI lending marketplace, connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart's AI, lenders can approve more borrowers at lower rates across races, ages, and genders, while delivering the exceptional digital-first experience customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Founded in 2012, Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar “relief” loans.
If you are energized by the impact you think you could make at Upstart, we'd love to hear from you!
Why Work With Us
Connection to our mission creates a special environment where people feel passionately about the impact they make in the world. Upstart is fast-paced, and we encourage ownership at all levels of the organization. As a result, culture at Upstart is driven by Upstarters. Upstarters are proactive, talented, multi-dimensional and collaborative.
Gallery
Upstart Offices
Remote Workspace
Employees work remotely.
Upstart has a digital-first model enabling most Upstarters can live and work anywhere in the U.S. We also offer in-person options from our office locations in San Mateo, California; Columbus, Ohio; and Austin, Texas.
