Director, Compliance & Control Oversight - Growth

Director, Compliance & Control Oversight - Growth

• R-00041
• San Mateo, California, United States
• Compliance

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: 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, Cash Line, servicing 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 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 across unsecured lending (personal loans and lines), servicing, and growth (for both unsecured and secured products).  This is a senior accountability role at the intersection of lending growth and regulatory discipline — one that shapes how Upstart grows as much as how it controls. How you’ll make an impact

• Channel & partner oversight: Own first-line compliance and controls for the growth function — acquisition channels, marketing programs (social, direct mail,email , co-branded), partner and affiliate relationships,and new product introductions — reviewing each for regulatory,fair lending,and disclosure risk,and approving marketing materialsand third-party-produced content before release.
• Regulatory review & approval: Bring UDAAP ,Regulation B ,CAN-SPAM ,TCPA ,and disclosure expertise to the front of the design process — translating regulatory requirements into practical guidance for channel launches ,partner agreements ,and product changes at the design stage ,not at the finish line.
• Control framework: Buildand maintainthe business control framework: marketing approval policies,campaign inventoryand change control ,compliance monitoring,and regulatory change management . Quantify exposureand calibrate controls based on actual risk — not volume or optics .
• Accountability: Own root cause analysisand remediation designfor growth-related compliance matters — complaints,risk assessments ,marketing claims violations,and disclosure errors — working withthe issue management functionto drive durable fixes trackedto completion .
• Influence: Operate as a trusted compliance partnerin both directions: enabling Growth ,Product ,Marketing ,and ML teams to move with clarityandspeed while representingthe business to second-line compliance ,Legal,and auditors across risk assessments,fair lending reviews,and regulatory examinations.Maintain examination-ready documentationand serve asthe business’s primary pointof contactin auditsand governance reviews .
• Team leadership: Buildand developa compliance teamwith depth across consumer protection ,marketing,and acquisition channel regulation.Set thestandardfor analytical rigor ,proactive issue identification,and practical guidancethat enables the business—not just gatekeeping.

Minimum Qualifications

• Consumer lending experience:7+ yearsin compliance ,legal ,or risk managementin consumer lending,banking ,or fintech
• Marketing compliance: Direct experiencein marketing compliance ,customer acquisition oversight ,or partner/affiliate compliance
• Regulatory knowledge: Deep working knowledgeof consumer protection regulations applicableto loan marketingand offer generation ,including UDAAP ,Regulation B ,CAN-SPAM ,TCPA ,and applicable state laws
• Program leadership: Demonstrated experience managing a first-line compliance functionin a bank-regulated environment,includ ing operating across first-line ,second-line ,and Legal structureswith clear accountability; credible with regulators ,internal audit,and senior leadership

Preferred Qualifications

• Analytical rigor: Ableto apply UDAAP ,Regulation B ,and related consumer protection frameworks tonovel marketingand channel contexts—quantifying exposureand prioritizing controls based on materiality ,not issue volume
• Influence: Confidentand credible with Growthand Product leaders ,regulators,and second-line partners—including experience supporting OCC ,CFPB ,or state regulatory examinations on consumer lending compliance; ableto hold a positionand representthe business directly
• Initiative: Track recordof identifying compliance gapsin marketing programs ,acquisition channels ,or partner relationships before they escalate—proposing solutionsand driving execution without waitingfor direction
• Ownership: Accountable end-to-endfor compliance outcomes—works root causes through to resolutionon marketing violations ,disclosure issues,and control gaps ,not just escalation
• Secured lending: Familiaritywith secured consumer lending marketing compliance,includ ing HELOC or home equity lending
• AI fluency: Familiaritywith AI/ML-driven credit decisioning—including adverse action accuracyand fair lending implications—and comfort using AI tools to increase the efficiencyand qualityof compliance work

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 liveand work anywherein the U.S but are encouragedto still spend high quality time in-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.

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At Upstart,your base pay is one part of your total compensation package.  The anticipated base salaryfor this position is expectedto be withinthe 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 employees with target bonuses,equity compensation,and generous benefits packages(including medical,dental vision,and 401k). United States | Remote - Anticipated Base Salary Range $201200—$278500 USD What you'll love At Upstart,your 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 Plan with a company matchof $2 for every $1 contributed up to $15 000 annually(USD in the US CAD in 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 contributions from Upstart for 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 to support caregivingand major life moments(duration varies by country)
• Family-centered benefits to support 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 allowanceto support your physicaland emotional well-beingand personal development,based on what matters mostto you
• Annual productivity allowanceto investin relevant toolsand resourcesyou needto do your best work,no matter whereyou work from
• Connectionand community through team events all-company updates,and employee resource groups(ERGs)
• Onsite perks including catered lunchesanda fully stocked micro-kitchens when working from 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 to affordable 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 participating inthe employee selection process please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy