Director, Compliance Product Advisory

Upgrade; Wilmington (DE); On-site; USD 150,000 - 210,000; Full time

Benefits offered by this job

Stock options

Health insurance

Flexible PTO

Professional growth

Parental leave

Wellness initiatives

Job summary

Upgrade is seeking a Director to join its Compliance Advisory function. You will provide compliance and risk guidance across product design and rollout, partnering with Product and Legal to manage regulatory risk for new offerings.

This senior role is fully remote within the United States and offers opportunities to scale with company growth. Ideal candidates will have 10+ years in consumer financial services compliance, with experience in mortgage, HELOC, or home improvement lending; fintech

Qualifications

• 10+ years of consumer financial services compliance experience.
• Experience in mortgage, HELOC, or dedicated home improvement lending is required.
• Experience with Credit Cards products are a plus.
• Effective negotiation skills and proactive communication with stakeholders.
• Ability to analyze risk trends and manage regulatory risk.

Responsibilities

• Provide compliance and risk input throughout design, development, and implementation of new products and services.
• Develop solutions that enable innovation while maintaining consumer compliance.
• Provide subject matter expertise to product and compliance teams and leadership.
• Evaluate regulatory risk and changes within product frameworks.
• Support development of company-wide compliance policies and reporting to executives.

Skills

Financial compliance

Mortgage/HELOC/home improvement

Credit card product knowledge

Negotiation

Risk analysis

Project management

Communication skills

Fintech experience

Job description

Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 billion in consumer credit. With a relentless focus on improving our customers' financial well-being, we build products that put more money in their pocket and support their journey toward a better financial future. We’re backed by some of the most prominent technology investors and were most recently valued at $7.3B.

We’re consistently recognized for our collaborative and inclusive culture. Most recently, we were named one of the World’s Top Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, America’s Greatest Workplaces by Newsweek, Best Startup Employer by Forbes, and Healthiest Employers by Phoenix Business Journal.

We’re looking for new team members who get excited about designing and delivering new and better products. Come join us and help build a better financial future for millions of people.

About the Role:

Upgrade Compliance is seeking a Director to join its Compliance Advisory function. You will work collaboratively with Upgrade’s Product and Legal teams providing advice on compliance and risk matters as new products and product enhancements are developed. This position has significant potential to scale as Upgrade continues to grow.

This position is fully remote within the US

What You’ll Do:

• Provide compliance and risk management input throughout the entire design, development, and implementation of new Upgrade products and services
• Develop creative solutions that allow the business to innovate while still maintaining consumer compliance and effective risk management.
• Provide product and compliance subject matter expertise to Upgrade issue management teams
• Work with the Product Legal team to evaluate and identify proper solutions to manage risk.
• Evaluate regulatory risk, both existing and potential regulatory changes, within a given product framework
• Supply guidance during the development and review of various company-wide compliance policies and procedures
• Provide key risk and compliance reporting to executive and board leadership
• Act as a subject matter expert on consumer financial services laws and regulations
• Represent Upgrade on key regulatory, audit, and bank partner issues as needed

What We Look For:

• 10+ years of consumer financial services compliance experience
• Experience in mortgage, HELOC, or dedicated home improvement lending is required
• Experience with Credit Cards products are a plus
• Effective negotiation skills, a proactive and “no surprises” approach in communicating issues, and strength in sustaining independent views while still being collaborative with business stakeholders
• Ability to execute in a fast-paced, technology-driven environment
• Ability to analyze risk trends at a macro level, identifying signs of changing risk levels and/or symptoms of process control breakdowns
• Excellent verbal and written communication skills and the ability to effectively shift communication styles based on audience
• Solid project management, critical thinking and analytical skills
• Highly organized and detail-oriented
• Prior experience in fintech a plus

About the Role:

• Competitive salary and stock option plan
• Paid coverage of medical, dental, and vision insurance
• Flexible PTO
• Opportunities for professional growth and development within a rapidly expanding transformation team
• Paid parental leave
• Health & wellness initiatives

Environmental & Working Conditions

• Work is performed indoors in a fast-paced environment that requires the ability to manage multiple priorities and meet established workflows, schedules, and service expectations.
• Employees regularly input, retrieve, and exchange information accurately using digital systems and applications to support operational and customer service objectives.
• The role requires the ability to receive and exchange information with customers, peers, supervisors, and cross-functional partners through available communication channels, which may include meetings, email, phone, and digital collaboration tools, and may involve real-time, verbal, or in-person exchanges depending on business need.
• Job duties may involve managing a high volume of inbound and/or outbound customer interactions and work activities using telecommunications and computer systems. The role requires the ability to read, analyze, and interpret information displayed on computer screens and remain in a working posture for extended periods, consistent with the demands of the position.
• Work may be performed in a contact center, office, or remote environment, depending on business needs and the nature of the role. Onsite work environments may include shared workspaces, standard office lighting, and moderate background noise typical of customer service or operational settings.
• Employees working remotely are responsible for maintaining a secure and productive workspace with reliable internet connectivity that supports company systems and safeguards the confidentiality of company and customer information.

Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions of the position in accordance with the Americans with Disabilities Act (ADA) and applicable state and local laws.

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Upgrade does not accept unsolicited resumes from staffing agencies, search firms, or any third parties. Any resume submitted to any employee of Upgrade without a prior written agreement in place will be considered the property of Upgrade, and Upgrade will not be obligated to pay any referral or placement fee. Agencies must obtain advance written approval from Upgrade's Talent Acquisition department to submit resumes and only in conjunction with a valid, fully executed agreement English is required for all positions, as it involves interacting with staff at Upgrade's offices worldwide.