Senior Compliance Manager, Home Lending

The Team: 

Upstart’s Home Lending Legal, Regulatory, and Risk Management team plays a critical role in enabling the growth and stability of our Home Lending business. We work cross-functionally with Operations, Engineering, Product, Legal, Risk, and Compliance to ensure that Upstart’s home lending activities meet regulatory standards and align with best practices. Our team is focused on building scalable, effective, and forward-looking compliance oversight that empowers business success while managing risk.

As the Senior Compliance Manager, Home Lending Operations, you will lead  the development and execution of key compliance initiatives and support post-onboarding functions across the home lending lifecycle. You’ll partner closely with internal stakeholders—including Servicing, Enterprise Risk Management, Legal, Risk, and Ops teams—as well as external vendors and investors, to ensure operational processes align with regulatory expectations and contribute to building a best-in-class compliance program..

How you’ll make an impact

• Support operational compliance activities both pre- and post-origination, including internal training and control enhancements.
• Lead compliance oversight across home lending operations with a focus on post-origination risk management.
• Partner with Third Party Risk Management (TPRM) to oversee vendor due diligence, renewals, and ongoing monitoring.
• Manage escalated operational consumer complaints, ensuring timely resolution and root cause analysis.
• Collaborate with operations and servicing teams to assess compliance risks, design controls, and implement process improvements.
• Provide compliance support for investor reporting and inquiries related to home lending operations
• Design, implement, and monitor compliance controls across servicing and operational teams ensuring alignment with the CMS framework
• Lead issue management and corrective action programs, driving remediation and sustainable change.
• Oversee the development and execution of the Quality Control Program to ensure alignment with regulatory expectations.

Minimum Qualifications 

• 8+ years of experience in compliance, regulatory, legal, or risk management roles in the consumer or mortgage lending space.
• Strong working knowledge of applicable laws and regulations (e.g., ECOA, FCRA, TILA, RESPA, UDAAP, FDCPA, Reg X, GLBA, AML/OFAC, and state-specific requirements).
• 2+ years of people management or program leadership experience.
• Demonstrated ability to operationalize compliance programs and partner cross-functionally.
• Excellent communication, organizational, and project management skills.

Preferred Qualifications

• Bachelor’s degree or equivalent relevant experience.
• Experience working in a fast-paced or high-growth fintech or financial institution.
• Familiarity with investor and agency audits and compliance requirements.
• Knowledge of compliance management systems (CMS) including monitoring, testing, and issue tracking frameworks.
• Ability to balance business goals with regulatory obligations through practical, risk-informed decision-making.
• Experience  in using AI tools for workflow optimization and documentation.

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

Time zone requirements The team operates on the East/West coast time zones.

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.