Compliance & Controls Associate, Auto Servicing

Upstart

Compliance & Controls Associate leading compliance workstreams for auto lending at Upstart. Mitigating risk while supporting operational solutions and regulatory requirements.

Posted 7/15/2026full-timeRemote • 🇺🇸 United StatesJuniorMid-Level💰 $115,800 - $160,100 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive experience in compliance and regulatory functions within financial services, particularly in auto lending and servicing. Capable of designing and implementing effective risk and control processes while collaborating with cross-functional teams to enhance compliance oversight.

Highest-signal resume keywords

Compliance ExperienceRegulatory KnowledgeRisk ManagementAuto Servicing KnowledgeCross-Functional Collaboration

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Risk Control DesignCompliance DocumentationRegulatory AnalysisMonitoring RoutinesKPI/KRI DevelopmentEvent Closure ReviewProcess ImprovementConsumer-Protection RegulationsECOA KnowledgeFCRA Knowledge

Soft Skills

Analytical ThinkingProblem SolvingCommunicationAdvocacy

Tools & Technologies

Compliance ToolsAutomation Solutions

Industry Keywords

Auto LendingServicing ComplianceFintechOCC FrameworkConsumer-Protection RegulationsBankruptcyRepossessionRecovery

About the role

Key responsibilities & impact

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.
Reduce complex, judgment-heavy compliance requirements into scalable, technology-friendly requirements that business and engineering teams can execute consistently.
Partner closely with Product, Engineering, Risk, Legal, Operations and 2LOD Compliance to strengthen business-owned oversight in support of an OCC-aligned 1LOD framework.
Serve as an internal advocate for compliance, and be fintech-forward — identifying tools and automation that improve the efficiency and quality of compliance reviews.
Prepare and support reporting for the compliance program and the broader servicing organization.

Requirements

What you’ll need

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).
Auto servicing knowledge spanning from bankruptcy, repossession, and recovery.
Demonstrated ability to design, document, and implement effective risk and control processes.
Experience working cross-functionally with compliance, risk, legal, and business stakeholders on regulatory or control-related initiatives.

Benefits

Comp & perks

Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $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 options for eligible employees (US only)
Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
Health Savings Account contributions from Upstart for eligible plans (US only)
Income protection benefits, including life insurance and disability coverage for added financial security
Paid time off, sick leave, and company holidays, in line with local requirements
Paid family and parental leave to support caregiving and major life moments (duration varies by country)
Family-centered benefits to support fertility, parenthood, and caregiving needs
Employee Assistance Program (EAP) offering mental health support and life-centered resources
Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)
Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you
Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
Connection and community through team events, all-company updates, and employee resource groups (ERGs)
Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)