Bank Accounting and Regulatory Reporting Senior Associate

R-00039
Finance

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: Upstart Bank’s Finance team is responsible for maintaining the integrity, accuracy, and transparency of the bank’s financial operations while ensuring compliance with regulatory expectations. The team supports safe and sound banking practices through strong financial controls, accurate reporting, and effective partnership across Finance, Treasury, Operations, Risk, and Compliance. As the Bank Accounting and Regulatory Reporting Senior Associate, you will be a key contributor responsible for preparing certain accounting records for the Bank-specific operations (such as deposits and other banking activities) and regulatory reporting filings of the Upstart Bank and the Bank Holding Company. You will apply your expertise to ensure completeness, accuracy, and timeliness of the accounting records and regulatory filings while partnering across teams to strengthen reporting quality, controls, and documentation. This role requires strong technical knowledge, sound judgment, and the ability to independently manage reporting responsibilities with limited oversight. How you’ll make an impact

Prepare and review certain Bank-specific accounting records.
Prepare, review, and support the timely submission of regulatory filings, including Call Reports, FR Y-series reports, FDIC filings, and other required regulatory reports.
Perform reconciliations, validations, and analytical reviews to ensure the completeness and accuracy of reported information.
Partner with Accounting, Treasury,Risk ,Operations ,and Data teams to gather ,validate ,and understand data used in regulatory reporting.
Partner with Financial Reporting team to support bank-related disclosures included in SEC filings ,including regulatory capital ,deposits ,and liquidity ensuring underlying data ,analysesand supporting documents are accurate ,complete ,and consistent with regulatory requirements .
Research regulatory reporting instructionsand guidanceand assist in implementing reporting changes resulting from new products ,business activities or regulatory updates .
Identify reporting issues ,data inconsistencies,and control gaps,and recommend practical solutions to improve reporting qualityand efficiency .
Support regulatory examinations,interna audits,and external audits by preparing documentationand respondingto information requests .
Maintain regulatory reporting procedures ,controls documentation,and reporting evidence in accordance with governance requirements .
Contribute to process improvementand automation initiatives that enhance reporting accuracy ,efficiency ,and scalability .

Minimum Qualifications

Bachelor’s degree in Accounting ,Finance ,Economics ,Business ,or a related field (or equivalent practical experience).
5+ years of experience in accounting ,finance ,regulatory reporting ,or a related function within a regulated financial institution .
Experience preparing ,reviewing ,or supporting bank regulatory reports ,including Call Reports ,FR Y-series reports ,or similar regulatory filings .
Experience performing reconciliations ,controls ,data validation ,and analytical review procedures .
Experience supporting internal audits ,external audits ,or regulatory examinations .

Preferred Qualifications

Experience working in a bank ,fintech with a bank partner ,or other regulated financial institution .
Knowledge of FDIC,Federal Reserve,OCC,and FFIEC reporting requirementsand instructions .
Knowledge of U.S.GAAPand its interaction with regulatory reporting requirements .
Experience working with regulatory reporting systems,data warehouses ,or reporting automation tools .
Skills in identifying process improvement opportunitiesand partnering with cross-functional teams to implement solutions .
CPA or other accountingand financial reporting professional certification .

Position location This role is available in the following locations: Remote Travel requirements As a digital first company,the majority of your work can be accomplished remotely.The majority of our employees can liveand work anywherein the U.S but are encouragedto still spend high quality timein-person collaborating via regular onsites.The in-person sessions’ cadence varies depending onthe teamand role; most teams meet once or twice per quarter for 2–4 consecutive days at a time. At Upstart,your base pay is one partof your total compensation package.The anticipated base salary for this position is expectedto 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 aboutthe specific salary rangefor your preferred location duringthe hiring process. In addition.Upstart provides employeeswith target bonuses,equity compensation,and generous benefits packages(including medical,dental vision,and 401k). United States | Remote - Anticipated Base Salary Range $105500—$145900 USD What you'll love At Upstart our benefits are designedto 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
Retirement benefits to help you planfor the future including a 401(k) or Group Retirement Savings Planwith a company matchof $2 for every $1 contributed.up to $15000 annually(USDin the US.CADin Canada)
Employee Stock Purchase Plan(ESPP)with discounted stock purchase optionsfor eligible employees(US only)
Comprehensive health coverage designedto support youand your family including medical.dental vision.and wellness resourcesfor USandsupplemental health coveragefor Canada
Health Savings Account contributionsfrom Upstartfor eligible plans(US only)
Income protection benefits including life insuranceand disability coveragefor added financial security
Paid time off.sick leave.and company holidays.in line with local requirements
Paid familyand parental leave tosuppport caregivingand major life moments(duration varies by country)
Family-centered benefits tosupport fertility.parenthood.and caregiving needs
Employee Assistance Program(EAP)offering mental health supportand life-centered resources
Financial wellness resources including access to financial planning toolsanda financial concierge service(US Only)
Annual wellness allowance tosupport your physicaland emotional well-being.and personal development.based on what matters mostto you
Annual productivity allowanceto investin relevant toolsand resourcesyou needto do your best work.no matter whereyou workfrom
Connectionand community through team events.all-company updates.and employee resource groups(ERGs)
Onsite perks including catered lunches.and fully stocked micro-kitchens when workingfrom oneof our officesin the Bay Area.Austin.Columbus.and New York City(opening Summer 2026!)

For roles basedin Canada please note that we are not currently ableto hirein Quebec. Upstart is a proud Equal Opportunity Employer.Just as we are dedicatedto improving access toaordable credit forall.we are committedto inclusiveand fair hiring practices. If you require reasonable accommodationin completing an application.interviewing.completing any pre-employment testing.or otherwise participatinginthe employee selection process please email candidate_accommodations@upstart.com