Bank Accounting and Regulatory Reporting Senior Associate

About Upstart

At Upstart, we're united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.

As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that's both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers.

We're proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive.

The Team

Upstart Bank's Finance team is responsible for maintaining the integrity, accuracy, and transparency of the bank's financial operations while ensuring compliance with regulatory expectations.

As the Bank Accounting and Regulatory Reporting Senior Associate, you will be a key contributor responsible for preparing certain accounting records for the Bank-specific operations and regulatory reporting filings of the Upstart Bank and the Bank Holding Company.

How you'll make an impact

• Prepare and review certain Bank-specific accounting records.
• Prepare, review, and support the timely submission of regulatory filings, including Call Reports, FR Y-series reports, FDIC filings, and other required regulatory reports.
• Perform reconciliations, validations, and analytical reviews to ensure the completeness and accuracy of reported information.
• Partner with Accounting, Treasury, Risk, Operations, and Data teams to gather, validate, and understand data used in regulatory reporting.
• Partner with Financial Reporting team to support bank-related disclosures included in SEC filings.
• Research regulatory reporting instructions and guidance and assist in implementing reporting changes.
• Identify reporting issues, data inconsistencies, and control gaps, and recommend practical solutions.
• Support regulatory examinations, internal audits, and external audits.
• Maintain regulatory reporting procedures, controls documentation, and reporting evidence.
• Contribute to process improvement and automation initiatives.

Minimum Qualifications

• Bachelor's degree in Accounting, Finance, Economics, Business, or a related field.
• 5+ years of experience in accounting, finance, regulatory reporting, or a related function within a regulated financial institution.
• Experience preparing, reviewing, or supporting bank regulatory reports, including Call Reports, FR Y-series reports, or similar regulatory filings.
• Experience performing reconciliations, controls, data validation, and analytical review procedures.
• Experience supporting internal audits, external audits, or regulatory examinations.

Preferred Qualifications

• Experience working in a bank, fintech with a bank partner, or other regulated financial institution.
• Knowledge of FDIC, Federal Reserve, OCC, and FFIEC reporting requirements and instructions.
• Knowledge of U.S. GAAP and its interaction with regulatory reporting requirements.
• Experience working with regulatory reporting systems, data warehouses, or reporting automation tools.
• Skills in identifying process improvement opportunities.
• CPA or other accounting and financial reporting professional certification.

Position Details

• Location: Remote
• Anticipated Base Salary Range: $105,500 - $145,900 USD

What you'll love

At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth, including:

• Competitive compensation, bonus opportunities, and annual equity grants.
• Retirement benefits with a company match.
• Comprehensive health coverage (medical, dental, vision).
• Paid time off, sick leave, and company holidays.
• Paid family and parental leave.
• Financial wellness resources and annual wellness/productivity allowances.

Upstart is a proud Equal Opportunity Employer. If you require reasonable accommodation, please email [email protected].