Upstart

Compliance & Controls Associate, Auto Servicing

United States | Remote

Sponsorship not specified$116k-$160kDetected 7 days ago

SparkA/B TestingComplianceCadenceResearchCommunication

About the role

Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.
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.

Help design, document, and operate first-line controls across auto servicing, repossession, recovery, and dealer/channel oversight.
Perform duties tied to auto servicing compliance functions to meet applicable regulatory obligations across loan servicing initiatives and strategies.
Identify compliance issues and support timely, sufficient remediation - reviewing action plans and documentation tied to event closure.
Build and maintain monitoring routines, reporting, and metrics (KPIs/KRIs) that surface emerging risk across servicing and related channels.
Support complaint oversight and translate findings into control and process improvements.
Partner closely with Product, Engineering, Risk, Legal, Operations and 2LOD Compliance to strengthen business-owned oversight in support of an OCC-aligned 1LOD framework.
Prepare and support reporting for the compliance program and the broader servicing organization.
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.
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.

5+ years of compliance or regulatory experience in financial services, with working knowledge of consumer-protection regulations relevant to auto lending and servicing (e.g., ECOA, FCRA, FDCPA, TILA, GLBA).
Experience working cross-functionally with compliance, risk, legal, and business stakeholders on regulatory or control-related initiatives.

Experience identifying and supporting remediation of compliance issues, including reviewing action plans and documentation tied to event closure.
Skill simplifying complex compliance work into operational workflows or technology-friendly requirements.
Familiarity with program reporting and use of KPIs/KRIs to monitor compliance performance and risk.
Comfort using tools, automation, and GenAI to improve the efficiency and quality of compliance reviews (with appropriate human judgment and oversight).
Strong communication, organization, and project-management skills in regulated environments.
Auto indirect lending experience.
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.

Individual pay is also determined by job-related skills, experience, and relevant education or training.

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.
United States | Remote - Anticipated Base Salary Range
$115,800 - $160,100 USD

In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth.

Our Compliance team plays a critical role in mitigating risk and protecting Upstart's growth and success.
As a Compliance & Controls Associate supporting Auto Servicing, you'll lead key compliance workstreams supporting auto lending partnering cross functionally to translate regulatory requirements into practical product and operational solutions.
This role will help build and operate the First Line of Defense (1LOD) control environment for servicing, repossession, recovery, and dealer oversight activities - working to ensure our auto servicing processes are compliant, scalable, and examination-ready as Upstart grows.
You'll partner in change, build practical controls, and translate regulatory expectations into durable day-to-day operating practices.
You'll develop relationships of trust across the organization so your work is a genuine value-add for the business.
If you have consumer-lending compliance experience and share our passion for consumer protection, this could be the role for you.
This is a First Line of Defense (1LOD) role, embedded within and partnering closely with the Product and Engineering business lines - distinct from Upstart's Second Line of Defense (2LOD) Compliance/Risk oversight functions.
Reduce complex, judgment-heavy compliance requirements into scalable, technology-friendly requirements that business and engineering teams can execute consistently.

This listing is sourced directly from Upstart's careers page and normalized into a canonical job model.