Compliance & Controls Associate, Auto Servicing

About the role

The Compliance & Controls Associate supporting Auto Servicing will 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, ensuring processes are compliant, scalable, and examination-ready as Upstart grows.

Responsibilities

• 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

• 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.