HMDA/Fair Lending Manager

🔥 15 hours ago

🇺🇸 United States – Remote

💵 $145.1k - $201.1k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

👔 Manager

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

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Upstart

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

🚘 Automotive

💼 Consulting

🏥 Healthcare

Automotive • Consulting • Healthcare

Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. The company focuses on revolutionizing lending and credit risk evaluation by leveraging its AI marketplace, which allows for higher approval rates and lower loss rates for Upstart-powered banks and credit unions. Recently, Upstart has expanded its offerings to include automobile refinancing. With a mission to enable effortless credit based on true risk, Upstart is also known for its digital-first lending experience and holds a significant position in the financial services sector.

📋 Description

• 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

🎯 Requirements

• 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

🏖️ Benefits

• 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