About this role
Role Overview
- Manage HMDA and CRA data integrity reviews, including routine monitoring, exception tracking, and remediation.
- Coordinate the annual HMDA Loan/Application Register (LAR) and CRA data submission processes.
- Perform data validation and quality control testing to identify coding, completeness, and accuracy issues.
- Partner with Compliance, Operations, Engineering, and other business teams to resolve data discrepancies.
- Maintain documentation of data reviews, corrections, procedures, controls, and submission evidence.
- Support regulatory exams, internal audits, compliance testing, and investor or management reporting related to HMDA and CRA.
- Monitor regulatory changes and assist with updates to policies, procedures, training, and system controls.
- Prepare periodic reporting for management on data quality trends, exceptions, corrective actions, and submission readiness.
Requirements
- 3-5 years of experience with HMDA and CRA data collection, reporting, or compliance reporting and monitoring.
- Strong understanding of mortgage lending operations and regulatory data requirements.
- Excellent analytical, organizational, and problem-solving skills.
- Ability to work cross-functionally and manage deadlines in a highly regulated environment.
- Proficiency with loan origination, compliance, or data reporting systems.
- Prior experience preparing HMDA LAR or CRA submissions (preferred).
- Familiarity with fair lending, mortgage compliance, or consumer lending compliance (preferred).
- Experience supporting regulatory exams, audits, or compliance testing (preferred).
Benefits
- Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
- Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
- Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
- Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
- Health Savings Account contributions from Upstart for eligible plans (US only)
- Income protection benefits, including life insurance and disability coverage for added financial security
- Paid time off, sick leave, and company holidays, in line with local requirements
- Paid family and parental leave to support caregiving and major life moments (duration varies by country)
- Family-centered benefits to support fertility, parenthood, and caregiving needs
- Employee Assistance Program (EAP) offering mental health support and life-centered resources
- Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)
- Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you
- Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
- Connection and community through team events, all-company updates, and employee resource groups (ERGs)
- Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)