Senior Director, Compliance

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 $33 billion in affordable and responsible credit to our 5.5M 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 1850 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:

Upgrade Compliance is seeking a Senior Director to lead its CMS Program, which includes core compliance program functions such as monitoring and testing, risk assessment, policy development, and issue management and corrective action. The Compliance Program Office works with stakeholders across Upgrade to ensure that compliance controls are implemented and functioning appropriately. This position has significant potential to scale as Upgrade continues to grow. 

What You’ll Do: 

• Plan, lead and execute all compliance monitoring and testing, policy development, and risk assessment activities at Upgrade
• Oversee remediation of complex compliance issues involving a range of compliance, legal and business stakeholders
• Manage and lead a team of compliance professionals
• Oversee identification and assessment of key consumer compliance and financial crimes risks
• Develop and maintain 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
• Strong leadership and people management skills
• Effective negotiation skills, a proactive and “no surprises” approach in communicating issues, and strength in sustaining independent views
• 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

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

The compensation range of this position in San Francisco, CA is USD $200,000-$270,000 annually plus equity and benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.

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Notice to California-based Candidates for Employment. This California Candidate Privacy Notice is intended to provide information about how Upgrade collects and uses personal information to California consumers who apply for employment with Upgrade If you are employed by Upgrade, refer to the Employee Handbook for additional information. For any questions about this notice, please contact ccpa@upgrade.com.

Personal Information Upgrade Collects:

Identifiers Including name, address, email, telephone number, social security number, driver license number, passport number, and other personal identifying information. Characteristics of protected classifications under California or federal law, including demographic information and other personal information obtained during the application process, such as gender, race, national origin. Professional or employment-related information, such as salary/compensation and benefits packages, other relocation or job preferences, prior background, experience, skills, and other information in support of your application, reference information, other information obtained through background checks, including employment, credit, and criminal history. Education Information. Any other information you provide as a part of  recruitment, job application, or interview process. 

Purposes for Collecting Personal Information:

To consider qualifications, skills, and interest for employment. To communicate with you during the recruitment and interview process. To conduct background checks and verify your information if you are offered employment. To provide compensation, including payroll, and  administer stock options and benefits, including medical, dental, vision, commuter, and retirement benefits. To provide human resources services and conduct performance evaluations. To monitor work eligibility including work-related licenses, credentials, training, and eligibility to work in the United States. To improve recruitment and interview processes and  ensure a safe and efficient working environment. To comply with applicable legal or regulatory requirements including state and federal company reporting obligations.

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.