HMDA/Fair Lending Manager

🕒 Setembro 23

🇺🇸 Estados Unidos – Remoto (EUA)

💵 $145.100 - $201.100 / ano

⏰ Tempo Integral

🟡 Pleno

🟠 Sênior

👔 Gerente

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Upstart

SiteLinkedInTodas as Vagas

1001 - 5000 funcionários

🚘 Automotivo

💼 Consultoria

🏥 Saúde

Automotive • Consulting • Healthcare

A Upstart é um dos principais marketplaces de empréstimos com IA, em parceria com bancos e cooperativas de crédito para expandir o acesso a crédito acessível. Ao nos tornarmos uma empresa de capital aberto, estamos agora prontos para alavancar nossa expertise no domínio e revolucionar todos os aspectos da concessão de empréstimos e avaliação de risco de crédito. Recentemente ampliamos nossas ofertas para incluir refinanciamento de automóveis e planejamos atuar em mais verticais à medida que o negócio cresce. Ao utilizar o marketplace de IA da Upstart, bancos e cooperativas de crédito que utilizam a Upstart podem ter taxas de aprovação mais altas e taxas de perda mais baixas, enquanto simultaneamente oferecem a experiência de empréstimo excepcional e digital-first que seus clientes exigem. O marketplace patenteado da Upstart é o primeiro a receber uma carta de não ação do Bureau de Proteção Financeira ao Consumidor relacionada a empréstimos justos. A Upstart não só apoia uma grande força de trabalho remota, mas também possui escritórios em San Mateo, CA; Columbus, OH; e Austin, TX. A maior parte dos que se juntam à Upstart o fazem porque se identificam com nossa missão de permitir acesso a crédito sem esforço baseado no risco real. Se você se sente energizado pelo impacto que pode causar na Upstart, adoraríamos ouvir de você!

Descrição

• Own the HMDA data-quality lifecycle, including periodic Loan/Application Register reviews, quarterly and annual filing preparation, and oversight of reporting accuracy and timeliness • Identify data-quality issues and root causes, partner with business teams on corrective actions, and monitor remediation through resolution • Build and maintain a risk-based HMDA sampling and quality-assurance program for second-line challenge of business-owned reporting data • Perform and support geographic analysis of lending patterns to identify potential redlining and other Fair Lending risks • Partner with Product Compliance, Fair Lending, Model Risk, and business teams to clarify responsibilities, improve controls, and promote consistent data-quality practices • Use automation and Generative AI responsibly to improve sampling, anomaly detection, trend analysis, and documentation while maintaining human review for regulatory interpretation and reporting decisions

🎯 Requisitos

• 4+ years of hands-on experience reviewing HMDA Loan/Application Register data and applying HMDA data integrity, geocoding, and reporting requirements • Experience preparing, reviewing, or supporting quarterly and annual HMDA submissions in a regulated lending or financial-services environment • Experience performing root-cause analysis of compliance or regulatory data issues and coordinating remediation with business or operational teams • Working knowledge of Fair Lending requirements, including the Equal Credit Opportunity Act/Regulation B and Fair Housing Act • Experience performing compliance testing, quality assurance, monitoring, or other second-line oversight involving regulated lending data • Knowledge of geographic or redlining analysis used to support Fair Lending monitoring • Experience building or improving risk-based sampling methodologies, quality-control programs, or compliance monitoring frameworks • Ability to work across compliance, product, model risk, and business teams to resolve data-quality and regulatory issues • Experience using scripting, analytics, automation, or Generative AI tools to improve regulatory data review and identify anomalous patterns • Ability to translate regulatory requirements and analytical findings into clear documentation and actionable recommendations • Ability to work on East/West coast time zones

🏖️ Benefícios

• Competitive compensation, including bonus opportunities and annual equity grants that vest quarterly • 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) • Comprehensive medical, dental, vision, and wellness coverage/resources • Supplemental health coverage for Canada • Health Savings Account contributions for eligible plans (US only) • Life insurance and disability coverage • Paid time off, sick leave, and company holidays • Paid family and parental leave • Family-centered fertility, parenthood, and caregiving benefits • Employee Assistance Program with mental health support and life-centered resources • Financial planning tools and financial concierge service (US only) • Annual wellness allowance • Annual productivity allowance for relevant tools and resources • Team events, all-company updates, and employee resource groups • Catered lunches and stocked micro-kitchens at company offices

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