Upstart

Director, Financial Crimes Compliance

United States | Remote · Director

Sponsorship not specified$201k-$279kDetected 12 days ago

SparkA/B TestingComplianceAccountingCadenceLeadershipPublic Speaking

About the role

Present regular reporting to the Board of Directors, executive leadership, and risk committees, including risk assessment results, program effectiveness metrics, key risk indicators (KRIs), regulatory developments, and remediation progress.
Oversee the review and management of high-risk customer relationships, including onboarding decisions, periodic reviews, escalation processes, and recommendations regarding customer exits or relationship terminations.
Provide senior-level oversight and strategic guidance for complex investigations involving unusual activity, suspicious activity reporting (SAR), and regulatory reporting obligations.

Develop, implement, and maintain Upstart's Enterprise-Wide BSA/AML/OFAC Compliance Program, ensuring it remains aligned with regulatory requirements, evolving financial crime risks, and the company's risk appetite.
Lead enterprise-wide BSA/AML and sanctions risk assessments, identify emerging risks, and establish risk-based controls, monitoring frameworks, and governance processes to mitigate financial crime exposure.
Manage a comprehensive Customer Identification Program (CIP), Know Your Customer (KYC), Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD) framework, including oversight of customer risk rating methodologies and ongoing monitoring activities.
Partner with Product, Engineering, Operations, Legal, and Risk teams to design scalable financial crime controls for new products, including consumer deposit and lending products.
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.

Bachelor's degree in Business, Finance, Accounting, Criminal Justice, Law, or a related field.
10+ years of experience leading BSA/AML compliance programs within a bank, credit union, fintech, or other regulated financial institution.
Experience overseeing high-risk customer programs, customer risk rating methodologies, enhanced due diligence reviews, and customer relationship termination decisions.
Experience presenting financial crime compliance matters, risk assessments, and program metrics to senior executives, risk committees, and Boards of Directors.
Knowledge of consumer banking regulations applicable to deposit and lending products.

CAMS (Certified Anti-Money Laundering Specialist), CAFP (Certified AML and Fraud Professional), CRCM, or comparable compliance certification.
Experience serving as a BSA Officer, Deputy BSA Officer, or senior financial crimes compliance leader within a highly regulated financial institution.
Experience using AI powered solutions to scale and automate BSA program work
Knowledge of digital banking, fintech, embedded finance, or marketplace lending business models.
Experience implementing technology-enabled compliance solutions, automated controls, and risk monitoring frameworks.
Experience working directly with federal and state banking regulators, including OCC, FDIC, Federal Reserve, CFPB, FinCEN, or state banking agencies.
Familiarity with fraud risk management frameworks and the intersection of fraud and AML compliance programs.
Time zone requirements The team operates on the East/West coast time zones.

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
$201,200 - $278,500 USD

In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).

As a digital first company, the majority of your work can be accomplished remotely.
Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers.
At Upstart, your base pay is one part of your total compensation package.

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