Compliance Business Advisory Analyst

Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $31 billion in affordable and responsible credit to our 5M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B.

We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts.

Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, “Top Companies to work for in Arizona” and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition for being a best company for Diversity, Women, Culture, and Veterans.

We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1600 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives.

About the Role:
We are currently looking for a Compliance Business Advisory Analyst to join our growing team. This person will be a primary Compliance Subject Matter Expert providing compliance guidance and advice on all Upgrade & Flex Pay products and processes while working cross functionally with internal teams such as Operations, IT, and Compliance Issue Management.

What You’ll Do:

• Act as a primary Compliance Subject Matter Expert providing compliance guidance and advice on all Upgrade & Flex Pay products and processes.
• Provide compliance review of operational processes and procedures submitted through the PDPW process.
• Support People Ops and Learning and Development with the management and administration of the Annual Compliance Training, as well as content creation and delivery of any Compliance High-Risk and ad-hoc training.
• Provide subject matter expertise for Compliance Control Reporting that will identify exceptions to expected system behavior and processes for proactive monitoring by various groups: Operations, Oversight/QC, Enterprise Risk, and Compliance Testing and Monitoring.
• Assist with additional compliance validation of non-issues and other compliance activities, as needed.
• Work closely with Operations, IT and the Compliance Issue Management Team to provide Compliance Subject Matter Expert support for the Issue Management process, including:
  • Providing and documenting compliance validation of issue remediation to ensure the effectiveness and compliance with regulatory requirements.
  • Advise on regulatory compliance requirements/concerns related to issue remediation and corrective action planning.
  • Assist with identifying, analyzing, escalating, and reporting Issue Themes to various internal and external partners

What We Look For:

• 3+ years of experience in the financial services industry, either working for a lender, investor, marketplace platform, law firm, or regulator.
• 3+ years of experience in risk/compliance/legal.
• Expert knowledge and understanding of Upgrade and Flex Pay products.
• Fundamental understanding of regulatory compliance requirements applicable to financial institutions and products, including consumer regulations such as TILA, TISA, REG E, UDAAP, and ECOA .
• Excellent critical thinking, presentation, written communication, time management, and analytical skills.
• Ability to operate in a fast-paced environment and prioritize critical issues.
• Sense of ownership and responsibility towards problem solving.

What We Offer You:

• Competitive salary and stock option plan
• 100% paid coverage of medical, dental and vision insurance
• Flexible PTO
• Opportunities for professional growth and development
• Paid parental leave
• Health & wellness initiatives

For California residents: Upgrade's CaliforniaNotice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants.

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.