Compliance & Controls Associate, Auto Servicing

About Upstart

At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.

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. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. 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.

We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. 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.

If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.

The Team:

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.

How you’ll make an 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.

Minimum Qualifications

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.

Preferred Qualifications

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

Auto indirect lending experience.

Position location This role is available in the following locations: Remote

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. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-Associate

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. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.

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

United States | Remote - Anticipated Base Salary Range

$115,800 — $160,100 USD

What you'll love

At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:

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 co