Director, Compliance & Control Oversight – Growth

Director, Compliance & Control Oversight – Growth

Company: Upstart Location: Remote (USA) Contract: Permanent Seniority: Executive

About Upstart

Upstart's mission is to radically reduce the cost and complexity of borrowing for all Americans. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through innovative technology. We are a digital-first company, offering flexibility to work from wherever you thrive, with opportunities for in-person connection through team events.

The Team

The Unsecured Consumer Lending team at Upstart Bank is the first line of defense across product, growth, operations, and customer lifecycle. Compliance and controls are integral to our scaling process. This team ensures all borrower, partner, and regulatory interactions are accurate, fair, and examination-ready.

The Director, Compliance & Controls — Growth leads first-line compliance for Upstart’s growth engine, encompassing acquisition channels, marketing programs, partner relationships, and product launches. This senior role sits at the intersection of lending growth and regulatory discipline, shaping how Upstart expands and maintains control.

How You'll Make an Impact

• Channel & Partner Oversight: Own first-line compliance and controls for the growth function, including acquisition channels, marketing programs, partner and affiliate relationships, and new product introductions. Review for regulatory, fair lending, and disclosure risks, and approve marketing materials and third-party content before release.
• Regulatory Review & Approval: Apply expertise in UDAAP, Regulation B, CAN-SPAM, TCPA, and disclosure requirements early in the design process. Translate regulatory requirements into practical guidance for channel launches, partner agreements, and product changes.
• Control Framework: Build and maintain the business control framework, including marketing approval policies, campaign inventory and change control, compliance monitoring, and regulatory change management. Quantify exposure and calibrate controls based on actual risk.
• Accountability: Lead root cause analysis and remediation design for growth-related compliance matters, such as complaints, risk assessments, marketing claims violations, and disclosure errors. Drive durable fixes to completion.
• Influence: Act as a trusted compliance partner, enabling Growth, Product, Marketing, and ML teams while representing the business to second-line compliance, Legal, and auditors. Maintain examination-ready documentation and serve as the primary point of contact for audits and governance reviews.
• Team Leadership: Build and develop a compliance team with expertise in consumer protection, marketing, and acquisition channel regulation. Foster analytical rigor, proactive issue identification, and practical guidance.

Minimum Qualifications

• 7+ years of experience in compliance, legal, or risk management within consumer lending, banking, or fintech.
• Direct experience in marketing compliance, customer acquisition oversight, or partner/affiliate compliance.
• Deep working knowledge of consumer protection regulations applicable to loan marketing and offer generation, including UDAAP, Regulation B, CAN-SPAM, TCPA, and applicable state laws.
• Demonstrated experience managing a first-line compliance function in a bank-regulated environment, with clear accountability across first-line, second-line, and Legal structures. Credibility with regulators, internal audit, and senior leadership.

Preferred Qualifications

• Ability to apply UDAAP, Regulation B, and related consumer protection frameworks to novel marketing and channel contexts, quantifying exposure and prioritizing controls.
• Experience supporting regulatory examinations (e.g., OCC, CFPB, state regulators) on consumer lending compliance.
• Track record of identifying compliance gaps in marketing programs, acquisition channels, or partner relationships and driving solutions.
• Familiarity with secured consumer lending marketing compliance.
• Comfort with AI/ML-driven credit decisioning and its fair lending implications.

What We Offer

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants.
• Retirement benefits with a company match (401(k) or Group Retirement Savings Plan).
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options (US only).
• Comprehensive health coverage (medical, dental, vision) and wellness resources.
• Health Savings Account contributions (US only).
• Income protection benefits (life insurance, disability coverage).
• Generous paid time off, sick leave, and company holidays.
• Paid family and parental leave.
• Family-centered benefits supporting fertility, parenthood, and caregiving.
• Employee Assistance Program (EAP) for mental health support.
• Financial wellness resources (US only).
• Annual wellness and productivity allowances.
• Opportunities for connection and community through team events and employee resource groups.
• Onsite perks at office locations (catered lunches, stocked micro-kitchens).

Note: This role operates on East/West coast time zones.