Compliance & Controls Manager, Growth

About the role

The Compliance & Controls Manager serves as a trusted first-line compliance partner for Upstart's Growth organization. This role is embedded with the business, helping shape customer experiences and product initiatives before they launch. Key responsibilities include reviewing marketing campaigns, customer communications, and product launches for compliance, providing practical guidance, and building scalable review processes.

Responsibilities

• Review marketing campaigns, customer communications, partner materials, and product launches to ensure compliance with applicable consumer protection laws and regulations before launch.
• Partner closely with Marketing, Product, Legal, and second-line Compliance to provide practical, risk-based guidance that enables timely business decisions while managing regulatory risk.
• Apply regulatory frameworks, including UDAAP and other consumer protection requirements, to evaluate new marketing claims, customer journeys, and emerging product experiences.
• Help build and scale the team's first-line compliance operating model by developing practical review frameworks, governance, and processes that support a growing business.
• Develop and continuously improve scalable review processes, procedures, checklists, and guidance that increase consistency and reduce review cycle times as the business grows.
• Identify recurring compliance themes and recommend process improvements that strengthen first-line risk management and reduce future operational risk.
• Leverage internal tooling and Generative AI solutions to improve review efficiency, document guidance, and enhance compliance workflows while applying appropriate human judgment.

Requirements

• 7+ years of experience reviewing marketing, advertising, or customer-facing content for compliance within banking, fintech, consumer lending, or another highly regulated industry.
• Experience applying consumer protection regulations, including UDAAP and one or more of the following: Regulation B, TCPA, CAN-SPAM, or Fair Lending requirements.
• Experience managing high-volume compliance reviews while meeting competing deadlines and supporting multiple concurrent product or marketing initiatives.
• Experience partnering cross-functionally with Product, Marketing, Legal, or Compliance stakeholders to support product launches or marketing initiatives.

Preferred Qualifications

• Knowledge of secured lending products, including HELOC or other secured consumer lending products.
• Knowledge of compliance considerations related to AI-enabled customer experiences or automated decisioning.
• Ability to translate complex regulatory requirements into practical guidance, procedures, and scalable review processes.
• Experience using Generative AI tools to improve research, documentation, or compliance review workflows.
• Ability to influence cross-functional stakeholders and build trusted partnerships in a fast-paced environment.