HMDA/Fair Lending Manager

Upstart

. Own the HMDA data-quality lifecycle, including periodic Loan/Application Register reviews, quarterly and annual filing preparation, and oversight of reporting accuracy and timeliness .

Posted 9/23/2026full-timeRemote • United StatesMid-LevelSenior💰 $145,100 - $201,100 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in HMDA data-quality lifecycle management, including data integrity, compliance testing, and risk-based sampling methodologies. Proficient in collaborating across teams to address regulatory issues and improve data-quality practices using automation and analytical tools.

Highest-signal resume keywords

HMDA Data IntegrityFair Lending RequirementsRoot-Cause AnalysisRisk-Based Sampling MethodologiesAutomation and Generative AI Tools

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

HMDA Loan/Application Register ReviewCompliance TestingQuality AssuranceGeographic AnalysisData Quality MonitoringRegulatory ReportingRoot-Cause AnalysisRisk-Based SamplingData IntegrityAnomaly Detection

Soft Skills

CollaborationCommunicationProblem-SolvingAnalytical ThinkingAttention to Detail

Tools & Technologies

Scripting ToolsAnalytics ToolsAutomation ToolsGenerative AI

Industry Keywords

Equal Credit Opportunity ActRegulation BFair Housing ActRegulated LendingFinancial Services

About the role

Key responsibilities & impact

Own the HMDA data-quality lifecycle, including periodic Loan/Application Register reviews, quarterly and annual filing preparation, and oversight of reporting accuracy and timeliness
Identify data-quality issues and root causes, partner with business teams on corrective actions, and monitor remediation through resolution
Build and maintain a risk-based HMDA sampling and quality-assurance program for second-line challenge of business-owned reporting data
Perform and support geographic analysis of lending patterns to identify potential redlining and other Fair Lending risks
Partner with Product Compliance, Fair Lending, Model Risk, and business teams to clarify responsibilities, improve controls, and promote consistent data-quality practices
Use automation and Generative AI responsibly to improve sampling, anomaly detection, trend analysis, and documentation while maintaining human review for regulatory interpretation and reporting decisions

Requirements

What you’ll need

4+ years of hands-on experience reviewing HMDA Loan/Application Register data and applying HMDA data integrity, geocoding, and reporting requirements
Experience preparing, reviewing, or supporting quarterly and annual HMDA submissions in a regulated lending or financial-services environment
Experience performing root-cause analysis of compliance or regulatory data issues and coordinating remediation with business or operational teams
Working knowledge of Fair Lending requirements, including the Equal Credit Opportunity Act/Regulation B and Fair Housing Act
Experience performing compliance testing, quality assurance, monitoring, or other second-line oversight involving regulated lending data
Knowledge of geographic or redlining analysis used to support Fair Lending monitoring
Experience building or improving risk-based sampling methodologies, quality-control programs, or compliance monitoring frameworks
Ability to work across compliance, product, model risk, and business teams to resolve data-quality and regulatory issues
Experience using scripting, analytics, automation, or Generative AI tools to improve regulatory data review and identify anomalous patterns
Ability to translate regulatory requirements and analytical findings into clear documentation and actionable recommendations
Ability to work on East/West coast time zones

Benefits

Comp & perks

Competitive compensation, including bonus opportunities and annual equity grants that vest quarterly
401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
Comprehensive medical, dental, vision, and wellness coverage/resources
Supplemental health coverage for Canada
Health Savings Account contributions for eligible plans (US only)
Life insurance and disability coverage
Paid time off, sick leave, and company holidays
Paid family and parental leave
Family-centered fertility, parenthood, and caregiving benefits
Employee Assistance Program with mental health support and life-centered resources
Financial planning tools and financial concierge service (US only)
Annual wellness allowance
Annual productivity allowance for relevant tools and resources
Team events, all-company updates, and employee resource groups
Catered lunches and stocked micro-kitchens at company offices