Remote opportunity at
UpstartCompliance Manager, BSA/AML Program
Upstart, a leading AI lending marketplace connecting banks and credit unions with consumers seeking affordable credit, is hiring a Compliance Manager, BSA/AML Program on a full-time…
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About This Role
Upstart, a leading AI lending marketplace connecting banks and credit unions with consumers seeking affordable credit, is hiring a Compliance Manager, BSA/AML Program on a full-time basis. This remote position operates within East and West Coast time zones and involves acting as a subject matter expert for both secured and unsecured lending products while helping develop upcoming deposit products. The person in this role will guide cross-functional efforts alongside Product,…
Job Description
Upstart, a leading AI lending marketplace connecting banks and credit unions with consumers seeking affordable credit, is hiring a Compliance Manager, BSA/AML Program on a full-time basis. This remote position operates within East and West Coast time zones and involves acting as a subject matter expert for both secured and unsecured lending products while helping develop upcoming deposit products. The person in this role will guide cross-functional efforts alongside Product, Legal, Operations, Engineering, and Enterprise Risk teams to establish robust regulatory controls and risk management frameworks.
This role suits professionals with extensive experience in financial crimes compliance who can design, implement, and maintain customer due diligence, enhanced due diligence, transaction monitoring, and sanctions screening processes. The position requires evaluating regulatory changes from authorities like FinCEN and OFAC, translating risk trends into practical recommendations, and driving remediation efforts for audit or examination findings. Upstart embraces a digital-first work environment, encouraging regular in-person collaboration through periodic team onsites.
Responsibilities
- Manage the design and continuous improvement of BSA/AML, customer due diligence, enhanced due diligence, transaction monitoring, and sanctions screening processes for secured lending, unsecured lending, and deposit account products
- Act as a compliance advisor for deposit product initiatives while collaborating with Product, Legal, Operations, Engineering, and Enterprise Risk during development and implementation
- Oversee compliance initiatives that cover new deposit product launches, regulatory enhancements, and control improvements
- Administer customer due diligence programs for deposit accounts in compliance with the Red Flags Program, Customer Identification Program, and internal procedures
- Design transaction monitoring rules and investigations processes by evaluating relevant risks and typologies
- Track regulatory shifts, such as FFIEC examination expectations, OFAC sanctions, and FinCEN guidance, to adapt business processes and controls
- Build key risk indicators, key performance indicators, and management reports that offer insights into program effectiveness
- Communicate regulatory requirements and risk trends clearly to business stakeholders and senior leadership
- Lead remediation efforts for monitoring, audit, testing, and examination findings to strengthen the compliance control environment
Requirements
- 7 or more years of experience working in BSA/AML compliance, financial crimes compliance, or a related risk or compliance function within a regulated financial institution or bank
- Demonstrated experience implementing and overseeing customer onboarding operations, such as identity verification, customer due diligence, enhanced due diligence, sanctions screening, and ongoing monitoring
- Working knowledge of BSA/AML risks tied to deposit products, along with regulations including the USA PATRIOT Act, Customer Due Diligence Rule, and Bank Secrecy Act
- Background in developing AML risk assessments, management reporting, key risk and performance indicators, and cross-functional compliance projects
- Experience handling exam and audit readiness activities including evidence collection, testing, monitoring, and resolving findings
Qualifications
- Bachelor degree or equivalent practical experience
- Certified Anti-Money Laundering Specialist, Certified AML and Fraud Professional, or an equivalent certification
- Experience implementing and optimizing AML systems covering data integration, rule configuration, and validation
- Background supporting banking products such as certificates of deposit, high-yield savings accounts, or brokered deposits
- Familiarity utilizing BSA/AML tools designed for case management, transaction monitoring, and customer screening
- Experience interacting with external parties, auditors, and regulatory examiners
- Knowledge of regulatory change management processes
Core Skills
Benefits
- Anticipated base salary range between USD 115,800 and USD 160,100 per year, determined by geographic location, skills, and experience
- Target bonuses and annual equity grants that vest quarterly
- Retirement planning support including a 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 with discounted stock options for eligible US employees
- Comprehensive health coverage including medical, dental, vision, and wellness resources
- Health Savings Account contributions provided by the employer for eligible plans
- Income protection plans featuring life insurance and disability coverage
- Paid time off, sick leave, company holidays, and paid family or parental leave
- Family-focused benefits covering caregiving, parenthood, and fertility needs
- Employee Assistance Program providing mental health support and life resources
- Financial wellness offerings like planning tools and a financial concierge service
- Annual wellness and productivity allowances to support personal development and workspace tools
Frequently Asked Questions
Answers are based only on the employer’s listing; where it doesn’t say, neither do we.
Is this position remote?
Yes, this role is listed as remote with a digital-first approach. The team operates across East and West Coast time zones, and employees are encouraged to participate in regular in-person team onsites once or twice per quarter.
What is the salary range for this role?
The anticipated base salary ranges from USD 115,800 to 160,100 per year. Actual pay depends on geographic location, skills, experience, and relevant education or training.
What level of experience is required?
Applicants must have at least seven years of experience in BSA/AML compliance, financial crimes compliance, or a related risk or compliance role within a regulated financial institution or bank.
What employment type is this?
The posting specifies that this is a full-time position.
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