HMDA/Fair Lending Manager
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Job Description
HMDA/Fair Lending Manager overseeing data quality, reporting, and second-line compliance for Upstart’s AI lending marketplace. Supporting fair lending analysis and responsible automation.
Responsibilities:
- 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
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