Director of Product Compliance
Upstart
full-time
Posted on:
Location Type: Remote
Location: United States
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Salary
💰 $195,000 - $270,000 per year
Job Level
About the role
- Own and continuously enhance the product compliance framework including policies, procedures, and control design spanning marketing, origination, underwriting, servicing, collections, and credit reporting.
- Lead regulatory readiness by conducting risk assessments, gap analyses, and designing first-line scalable controls across technical and operational workflows.
- Develop key risk indicators (KRIs), metrics, and dashboards to provide insight into compliance health to executive leadership and the Board.
- Act as a senior advisor to Product, Engineering, Ops, Legal, and Machine Learning teams—driving alignment across stakeholders while balancing customer experience, business needs, and regulatory expectations.
- Influence organizational decisions through clear, compelling communication of compliance risks, trade-offs, and recommendations.
- Represent Compliance in governance forums, product councils, and cross-functional initiatives.
- Oversee root-cause analyses and remediation plans for compliance issues, ensuring durable fixes and strengthened controls.
- Partner with Legal, Internal Audit, and external regulatory exam teams to support audits, examinations, and responses to regulatory inquiries.
- Lead the development and delivery of scalable, role-based compliance training for impacted cross-functional partners.
- Champion a compliance-first mindset across the company, driving early engagement and proactive risk identification.
Requirements
- Bachelor’s degree
- 8+ years of experience in consumer lending, fintech, regulatory compliance, risk management, or financial services law, with deep expertise in unsecured credit products
- Expert knowledge of federal and state consumer lending laws and regulations, including TILA, ECOA, FCRA, FDCPA, EFTA, UDAAP, SCRA, MLA, Reg Z, Reg X, TCPA, NACHA, state-level lending and servicing laws, and unsecured credit considerations
- Proven experience advising on and launching/expanding technology-enabled lending or fintech products, ideally in a fast-paced, high-scale environment
- Demonstrated ability to partner with senior leaders and influence strategic decisions
Benefits
- Competitive Compensation (base + bonus & equity)
- Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
- Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
- Employee Stock Purchase Plan (ESPP)
- Life and disability insurance
- Generous holiday, vacation, sick and safety leave
- Supportive parental, family care, and military leave programs
- Annual wellness, technology & ergonomic reimbursement programs
- Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
- Catered lunches + snacks & drinks when working in offices
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard skills
risk assessmentsgap analyseskey risk indicatorsmetricsdashboardscompliance trainingroot-cause analysesremediation planscontrol designregulatory compliance
Soft skills
clear communicationinfluencestakeholder alignmentorganizational decision-makingproactive risk identificationcollaborationadvisory skillsleadershipstrategic thinkingcustomer experience focus
Certifications
Bachelor's degree