Senior Compliance Manager, Home Lending
Senior Compliance Manager, Home Lending
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Job Description
About Upstart
Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstarts 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 wed love to hear from you!
The Team:
Upstarts 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 Upstarts 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. Youll partner closely with internal stakeholdersincluding Servicing Enterprise Risk Management Legal Risk and Ops teamsas well as external vendors and investors to ensure operational processes align with regulatory expectations and contribute to building a best-in-class compliance program..
How youll make an impact
- 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.
Minimum Qualifications
- 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.
Preferred Qualifications
- Bachelors 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.
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.
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 locationwith 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).
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
Manager
Employment Type
Full Time
Key Skills
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