Compliance & Controls Associate, Auto Servicing

Upstart

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 acros…

Posted 7/15/2026Verified active Jul 25, 2026, 12:31 AMfull-timeUnited States • 🇺🇸 United StatesWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrated expertise in compliance and regulatory functions within financial services, particularly in auto lending and servicing. Ability to design and implement effective risk and control processes, while simplifying complex compliance requirements into actionable workflows. Strong collaboration skills with cross-functional teams, focusing on compliance, risk, and operational improvements.

Highest-signal resume keywords

5+ Years of Compliance ExperienceKnowledge of Consumer-Protection RegulationsAbility to Design and Implement Risk ProcessesExperience with Program Reporting and KPIs/KRIsFamiliarity with GenAI Tools for Compliance Reviews

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Compliance FunctionsRegulatory ObligationsRisk and Control ProcessesKPI/KRI MonitoringGenAI Tools

Soft Skills

Strong Communication SkillsOrganizational SkillsProject Management SkillsSelf-StarterCross-Functional Collaboration

Tools & Technologies

Compliance Reporting ToolsAutomation ToolsGenAIMonitoring RoutinesDocumentation Tools

Industry Keywords

Auto ServicingConsumer-Protection RegulationsECOAFCRAFDCPATILAGLBA

Tech Stack

Tools & technologies

Spark

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.
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.
Self-starter who builds structure and process without waiting to be told what's missing, with fluency in GenAI tools to accelerate documentation and research

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