Note: The job is a remote job and is open to candidates in USA. Upstart is a leading AI lending marketplace focused on reducing the cost and complexity of borrowing for Americans. The HMDA/CRA Data Analyst will support compliance with the Home Mortgage Disclosure Act and Community Reinvestment Act by managing data integrity, performing validations, and coordinating submission processes.

Responsibilities

• 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

Skills

• 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
• Familiarity with fair lending, mortgage compliance, or consumer lending compliance
• Experience supporting regulatory exams, audits, or compliance testing

Benefits

• Target bonuses
• Equity compensation
• Generous benefits packages (including medical, dental, vision, and 401k)
• 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!)

Company Overview

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