Compliance & Controls Associate, Auto Servicing

This is a fully remote position, open to applicants in United States.

📋 Description

• Assist in designing, documenting, and managing first-line controls across auto servicing, repossession, recovery, and dealer/channel supervision.

• Carry out responsibilities related to auto servicing compliance functions to fulfill relevant regulatory requirements across loan servicing initiatives and strategies.

• Detect compliance challenges and aid in prompt and adequate remediation by reviewing action plans and documentation associated with event closure.

• Develop and uphold monitoring routines, reporting, and metrics (KPIs/KRIs) that highlight emerging risks across servicing and related channels.

• Facilitate complaint oversight and convert findings into enhancements for controls and processes.

• Simplify complex, judgment-heavy compliance requirements into scalable, technology-friendly specifications that can be consistently executed by business and engineering teams.

• Collaborate closely with Product, Engineering, Risk, Legal, Operations, and 2LOD Compliance to reinforce business-owned oversight in alignment with an OCC-aligned 1LOD framework.

• Act as an internal advocate for compliance, adopting a fintech-forward approach by identifying tools and automation that enhance the efficiency and quality of compliance reviews.

• Prepare and assist with reporting for the compliance program and the broader servicing organization.

⛳️ Requirements

• Over 5 years of compliance or regulatory experience in financial services, with a solid understanding of consumer-protection regulations pertinent to auto lending and servicing (e.g., ECOA, FCRA, FDCPA, TILA, GLBA).

• Knowledge of auto servicing that encompasses bankruptcy, repossession, and recovery processes.

• Proven ability to design, document, and implement effective risk and control processes.

• Experience collaborating across functions with compliance, risk, legal, and business stakeholders on regulatory or control-related initiatives.

🏝️ Benefits

• Competitive compensation package, including base salary, bonus potential, and annual equity grants that vest quarterly.

• Retirement benefits to assist in future planning, featuring a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada).

• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options available for eligible employees (US only).

• Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for the US, along with supplemental health coverage for Canada.

• Contributions to Health Savings Accounts from Upstart for eligible plans (US only).

• Income protection benefits, encompassing life insurance and disability coverage for added financial security.

• Paid time off, sick leave, and company holidays, in accordance with local regulations.

• Paid family and parental leave to assist with caregiving and significant life events (duration varies by country).

• Family-oriented benefits to support fertility, parenthood, and caregiving needs.

• Employee Assistance Program (EAP) providing mental health support and life-centered resources.

• Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only).

• Annual wellness allowance to promote your physical and emotional well-being and personal development, tailored to your priorities.

• Annual productivity allowance to invest in the necessary tools and resources to perform your best work, regardless of your work location.

• Opportunities for connection and community through team events, all-company updates, and employee resource groups (ERGs).

• Onsite perks, such as catered lunches and fully stocked micro-kitchens when working at one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).