# Director, Compliance & Control Oversight - Growth

**Company:** [Upstart](https://hotfix.jobs/companies/upstart)
**Location:** Remote
**Role:** Legal
**Salary:** $201k – $279k/yr
**Experience:** 7+ years
**Skills:** Udaap, Regulation B, Can-Spam, Tcpa, Consumer Lending Compliance, Marketing Compliance, Fair Lending, Risk Management, Regulatory Examinations, First-Line Compliance
**Posted:** 2026-06-04

> Leads first-line compliance and controls for Upstart’s growth engine, overseeing acquisition channels, marketing programs, partner relationships, and product launches for regulatory and fair lending risk. Requires 7+ years in consumer lending compliance with deep knowledge of UDAAP, Reg B, CAN-SPAM, and TCPA.

## Job Description

## How you’ll make an impact

- **Channel & partner oversight**: Own first-line compliance and controls for the growth function — acquisition channels, marketing programs (social, direct mail, email, co-branded), partner and affiliate relationships, and new product introductions — reviewing each for regulatory, fair lending, and disclosure risk, and approving marketing materials and third-party-produced content before release.
- **Regulatory review & approval**: Bring UDAAP, Regulation B, CAN-SPAM, TCPA, and disclosure expertise to the front of the design process — translating regulatory requirements into practical guidance for channel launches, partner agreements, and product changes at the design stage, not at the finish line.
- **Control framework**: Build and maintain the business control framework: marketing approval policies, campaign inventory and change control, compliance monitoring, and regulatory change management. Quantify exposure and calibrate controls based on actual risk — not volume or optics.
- **Accountability**: Own root cause analysis and remediation design for growth-related compliance matters — complaints, risk assessments, marketing claims violations, and disclosure errors — working with the issue management function to drive durable fixes tracked to completion.
- **Influence**: Operate as a trusted compliance partner in both directions: enabling Growth, Product, Marketing, and ML teams to move with clarity and speed, while representing the business to second-line compliance, Legal, and auditors across risk assessments, fair lending reviews, and regulatory examinations. Maintain examination-ready documentation and serve as the business’s primary point of contact in audits and governance reviews.
- **Team leadership**: Build and develop a compliance team with depth across consumer protection, marketing, and acquisition channel regulation. Set the standard for analytical rigor, proactive issue identification, and practical guidance that enables the business — not just gatekeeping.

## Minimum Qualifications

- 7+ years in compliance, legal, or risk management in consumer lending, banking, or fintech
- Direct experience in marketing compliance, customer acquisition oversight, or partner/affiliate compliance
- Deep working knowledge of consumer protection regulations applicable to loan marketing and offer generation, including UDAAP, Regulation B, CAN-SPAM, TCPA, and applicable state laws
- Demonstrated experience managing a first-line compliance function in a bank-regulated environment, including operating across first-line, second-line, and Legal structures with clear accountability; credible with regulators, internal audit, and senior leadership

## Preferred Qualifications

- Able to apply UDAAP, Regulation B, and related consumer protection frameworks to novel marketing and channel contexts — quantifying exposure and prioritizing controls based on materiality, not issue volume
- Confident and credible with Growth and Product leaders, regulators, and second-line partners — including experience supporting OCC, CFPB, or state regulatory examinations on consumer lending compliance; able to hold a position and represent the business directly
- Track record of identifying compliance gaps in marketing programs, acquisition channels, or partner relationships before they escalate — proposing solutions and driving execution without waiting for direction
- Accountable end-to-end for compliance outcomes — works root causes through to resolution on marketing violations, disclosure issues, and control gaps, not just escalation
- Familiarity with secured consumer lending marketing compliance, including HELOC or home equity lending
- Familiarity with AI/ML-driven credit decisioning — including adverse action accuracy and fair lending implications — and comfort using AI tools to increase the efficiency and quality of compliance work

## Compensation & Benefits

- Target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k)

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