The Team: 

Upstart Bank’s Internal Audit team provides independent, objective assurance to the Bank's Audit Committee and Board of Directors regarding the effectiveness of governance, risk management, compliance, and internal control processes. The team plays a critical role in supporting the Bank's safety and soundness by evaluating key risks across credit, compliance, operations, technology, cybersecurity, model risk management, third-party risk management, fraud risk, and financial reporting.

The team works closely with Bank leadership, regulators, external auditors, and the internal audit team at parent company Upstart Holdings, Inc.(UHI) to promote a comprehensive understanding of enterprise risks while maintaining the independence and objectivity required of the Bank's Internal Audit function.

As the Manager, Internal Audit at Upstart, you will play a foundational role in building and executing the Bank's Internal Audit program. You'll lead complex audits across banking, operational, technology, financial, and compliance risk areas while partnering with stakeholders across the organization to strengthen governance, manage emerging risks, and help shape the future of Internal Audit at Upstart Bank. 

How you’ll make an impact

• Lead complex risk-based audits from planning through reporting, including risk assessment, control evaluation, testing, issue development, and remediation validation.
• Evaluate the effectiveness of governance, risk management, compliance, and internal controls across banking, technology, operational, and financial processes.
• Build trusted partnerships with business leaders by communicating risks, identifying opportunities for improvement, and delivering practical, risk-based recommendations.
• Support development and execution of the Bank's annual risk-based audit plan and help mature audit methodologies, quality assurance activities, and continuous monitoring capabilities.
• Coordinate audit activities with Upstart Holdings Internal Audit, co-sourced providers, and external auditors to promote efficient enterprise risk coverage and consistent audit execution.
• Leverage data analytics, automation, and approved AI tools to improve audit quality, efficiency, and insight generation.

Minimum Qualifications 

• Bachelor's degree in Accounting, Finance, Business, Information Systems, Risk Management, or a related field.
• 7+ years of progressive experience in internal audit, external audit, risk management, regulatory oversight, or financial services.
• Experience auditing banking, fintech, lending, payments, or other technology-enabled financial services organizations.
• Experience leading audits independently from planning through reporting and remediation follow-up.
• Strong understanding of internal controls, risk-based auditing, governance, and professional auditing standards.
• Excellent written and verbal communication skills with the ability to influence stakeholders and present complex issues clearly.

Preferred Qualifications

• CPA, CIA, CISA, or another relevant audit, accounting, or risk management certification.
• Knowledge of OCC regulatory expectations, FDICIA, SOX, consumer compliance, technology risk, cybersecurity, model risk, or third-party risk management.
• Experience working with co-sourced audit providers, external auditors, or regulatory examinations.
• Experience helping build or enhance an Internal Audit function, audit methodology, or Quality Assurance and Improvement Program (QAIP).
• Experience using data analytics, automation, or GenAI tools to improve audit execution and reporting.

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.

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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.

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