Compliance & Controls Manager, Growth

R-00122
Risk & Compliance Department

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 3,000 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's Growth Compliance team partners with Marketing, Product, Legal, and second-line Compliance to help the business grow responsibly. The team enables the launch of marketing campaigns, customer experiences, and lending products by providing practical, risk-based compliance guidance that supports innovation while meeting consumer protection requirements. As the Compliance & Controls Manager, you'll serve as a trusted first-line compliance partner for Upstart's Growth organization. This is a First Line of Defense (1LOD) role, working directly with the business to enable growth while managing risk. Unlike Upstart's Second Line of Defense (2LOD) Compliance and Risk teams, this role is embedded with the business, helping shape customer experiences and product initiatives before they launch. This is an opportunity to help build and scale Upstart's first-line Growth Compliance function. During your first year, you'll play a key role in developing review frameworks, operating processes, and scalable ways of working that support new marketing, advertising, customer experience, and partnership initiatives as the business continues to grow. How you’ll make an impact

Review marketing campaigns, customer communications, partner materials,... product launches to ensure compliance with applicable consumer protection laws and regulations before launch.
Partner closely with Marketing,... second-line Compliance to provide practical,... regulatory risk.
Apply regulatory frameworks,... evaluate new marketing claims,... product experiences.
Help build... first-line compliance operating model... growing business.
Develop... scalable review processes,... reduce review cycle times... business grows.
Identify recurring compliance themes... reduce future operational risk.
Leverage internal tooling... Generative AI solutions... while applying appropriate human judgment.

Minimum Qualifications

7+ years of experience reviewing marketing,... within banking,... regulated industry.
Experience applying consumer protection regulations including UDAAP,... Regulation B TCPA CAN-SPAM or Fair Lending requirements.
Experience managing high-volume compliance reviews while meeting competing deadlines supporting multiple concurrent product or marketing initiatives.
Experience partnering cross-functionally with Product Marketing Legal or Compliance stakeholders...

Preferred Qualifications

Knowledge of secured lending products including HELOC or other secured consumer lending products.
Knowledge of compliance considerations related to AI-enabled customer experiences or automated decisioning.
Ability to translate complex regulatory requirements into practical guidance procedures scalable review processes.
Experience using Generative AI tools...
Ability to influence cross-functional stakeholders build trusted partnerships...

Position location This role is available in the following locations: Remote Time zone requirements The team operates on East & West coast time zones. Travel requirements As a digital first company majority of your work can be accomplished remotely....

LI-MidSenior

At Upstart your base pay is one part of your total compensation package.... United States | Remote - Anticipated Base Salary Range: $145,... $201,... USD Your actual base pay depends on geographic location; compensation regions vary depending on location plus job-related skills experience education/training. In addition Upstart provides employees target bonuses equity compensation generous benefits packages including medical dental vision 401k. What you'll love At Upstart benefits are designed...

Competitive compensation including base pay bonus opportunities annual equity grants vest quarterly
Retirement benefits including 401(k)... company match $2 for every $1 contributed up to $15K annually (USD US CAD Canada)
Employee Stock Purchase Plan (ESPP)...
Comprehensive health coverage supporting you/family medical dental vision wellness resources US supplemental health coverage Canada
Health Savings Account contributions from Upstart for eligible plans (US only)
Income protection benefits life insurance disability coverage financial security
Paid time off sick leave company holidays per local requirements
Paid family parental leave caregiving major life moments varies by country
Family-centered benefits fertility parenthood caregiving needs
Employee Assistance Program (EAP) mental health support life-centered resources
Financial wellness resources financial planning tools financial concierge service (US only)
Annual wellness allowance physical emotional well-being personal development based on what matters most
Annual productivity allowance invest relevant tools/resources needed no matter where you work from
Connection community through team events all-company updates employee resource groups (ERGs)
Onsite perks catered lunches fully stocked micro-kitchens at offices Bay Area Austin Columbus New York City (opening Summer 2026)

For roles based in Canada not currently able to hire in Quebec. Upstart is an Equal Opportunity Employer committed inclusive fair hiring practices. If reasonable accommodation needed during application/interview/pre-employment testing/selection process email candidate_accommodations@upstart.com