HMDA/Fair Lending Manager
Core
Own HMDA data-quality lifecycle, reporting accuracy, and second-line oversight for Upstart Bank's Home Mortgage Disclosure Act compliance program.
Role type
Senior compliance manager (HMDA/Fair Lending)
Builds
Risk-based HMDA sampling and quality-assurance programs; geographic analysis of lending patterns to identify Fair Lending risks.
Domain
Financial services / Regulated lending / Compliance
Required skills
HMDA data integrity and reporting requirements, geocoding, root-cause analysis of compliance issues, Fair Lending regulatory knowledge (ECOA/Reg B, Fair Housing Act), compliance testing and second-line oversight, partnership with business teams, automation and Generative AI for regulatory data review.
Preferred skills
Geographic or redlining analysis, risk-based sampling methodologies, scripting and analytics tools, translating regulatory findings into actionable recommendations.
Technologies
Generative AI, scripting, analytics tools
Responsibilities
Own HMDA data-quality lifecycle including Loan/Application Register reviews and filing preparation; identify data-quality issues and coordinate remediation; build and maintain risk-based HMDA sampling and QA programs; perform geographic analysis of lending patterns to identify Fair Lending risks; partner with Product Compliance, Fair Lending, and Model Risk teams; use automation to improve sampling and anomaly detection.
Seniority
Mid-Senior, hands-on IC
