About Upstart

• Mission: Radically reduce the cost and complexity of borrowing for all Americans.
• Use of advanced AI to reshape access to credit.
• Partner with banks and credit unions.
• Platform runs over one million predictions per borrower using more than 1,800 signals.
• Digital-first company with flexibility to work remotely or from offices in Columbus, Austin, Bay Area, or New York City (opening Summer 2026).
• Emphasis on in-person connection through team onsites and planning sessions.

The Team:

• Legal team supports company operations with sound legal judgment.
• Role supports Upstart’s proposed OCC-chartered bank.
• Responsibilities include corporate governance, board support, affiliate transaction frameworks for a regulated national bank.

How you’ll make an impact:

• Lead corporate governance support for Upstart Bank: board and committee meeting preparation, agendas, pre-read materials, minutes, resolutions, policies, committee charters.
• Advise bank directors, executives on governance obligations and requirements applicable to an OCC-chartered national bank.
• Provide guidance on Bank Holding Company Act and related regulatory requirements for Upstart Holdings, Inc., including Federal Reserve reporting (FR Y-series).
• Support engagement with federal regulators (OCC, FDIC, Federal Reserve), preparation for examinations, advising on CAMELS ratings.
• Support intercompany agreements and affiliate transaction processes including Regulation W analysis and coordination with Treasury, Accounting, Tax, Regulatory Counsel.
• Build legal processes supporting examination readiness: documentation, operating rhythms, timely regulatory responses.
• Partner cross-functionally on governance/regulatory considerations related to new products/business initiatives/bank operations.
• Manage special corporate and banking projects: regulatory examinations, governance enhancements, internal policies, external counsel coordination.

Minimum Qualifications:

• J.D. degree and active membership in at least one U.S. state bar.
• 8+ years experience in banking law, bank regulatory law, corporate governance or financial services legal experience at law firm/financial institution/fintech/regulated bank.
• Working knowledge of OCC regulations, National Bank Act, Bank Holding Company Act, Regulation W.
• Experience advising on corporate governance for banks or regulated financial institutions including affiliate transaction monitoring and intercompany agreements.
• Experience supporting OCC examinations or other bank regulatory engagement.
• Experience with Federal Reserve bank holding company reporting and supervisory frameworks such as CAMELS ratings.
• Experience managing conflicts of interest between a bank and affiliates including dual-hatted employees.
• Experience drafting/reviewing board minutes, committee charters, governance policies, resolutions or intercompany agreements.

Preferred Qualifications:

• Prior in-house legal experience at a bank/fintech/regulated financial services company.
• Ability to translate complex regulatory requirements into practical guidance for business/finance/executive stakeholders.
• Experience building governance processes/playbooks/legal frameworks in evolving regulated environments.
• Familiarity with de novo bank application processes/OCC charter requirements/legal/governance frameworks for newly chartered banks.

Position Location:

Remote

Time Zone Requirements:

East/West coast time zones

Travel Requirements:

Majority work can be done remotely; employees encouraged to spend time in-person via regular onsites once or twice per quarter for 2–4 consecutive days.

Employment Type:

Not explicitly stated; implied full-time senior legal counsel role.

Experience Level Indicators:

Mid-Senior level (#LI-MidSenior) 8+ years relevant experience required

Skills Mentioned:

• Banking law
• Bank regulatory law
• Corporate governance
• Financial services legal expertise
• Knowledge of OCC regulations
• National Bank Act
• Bank Holding Company Act
• Regulation W
• Federal Reserve reporting (FR Y-series)
• CAMELS ratings understanding
• Conflict of interest management between banks and affiliates
• Drafting/reviewing board minutes and governance documents
• Legal process building for examination readiness
• Regulatory examination support
• Cross-functional collaboration on governance/regulatory matters

Remote Work Mention:

Yes; role is remote with digital-first philosophy allowing work from anywhere in the US; occasional in-person onsite meetings encouraged.

Salary Range (Anticipated Base Salary):

United States | Remote: $208000—$287900 USD Canada | Remote: $208000—$287900 USD

Additional Benefits Highlights:

Competitive compensation including bonuses and equity grants; retirement benefits with company match; comprehensive health coverage; paid time off; family leave; mental health support; financial wellness resources; productivity allowance; onsite perks at offices.