Manager, Internal Audit

The Team: 

Upstart Bank’s Internal Audit team provides independent, objective assurance to the Bank's Audit Committee and Board of Directors regarding the effectiveness of governance, risk management, compliance, and internal control processes. The team plays a critical role in supporting the Bank's safety and soundness by evaluating key risks across credit, compliance, operations, technology, cybersecurity, model risk management, third-party risk management, fraud risk, and financial reporting.

The team works closely with Bank leadership, regulators, external auditors, and the internal audit team at parent company Upstart Holdings, Inc.(UHI) to promote a comprehensive understanding of enterprise risks while maintaining the independence and objectivity required of the Bank's Internal Audit function.

As the Manager, Internal Audit at Upstart, you will play a foundational role in building and executing the Bank's Internal Audit program. You'll lead complex audits across banking, operational, technology, financial, and compliance risk areas while partnering with stakeholders across the organization to strengthen governance, manage emerging risks, and help shape the future of Internal Audit at Upstart Bank. 

How you’ll make an impact

• Lead complex risk-based audits from planning through reporting, including risk assessment, control evaluation, testing, issue development, and remediation validation.
• Evaluate the effectiveness of governance, risk management, compliance, and internal controls across banking, technology, operational, and financial processes.
• Build trusted partnerships with business leaders by communicating risks, identifying opportunities for improvement, and delivering practical, risk-based recommendations.
• Support development and execution of the Bank's annual risk-based audit plan and help mature audit methodologies, quality assurance activities, and continuous monitoring capabilities.
• Coordinate audit activities with Upstart Holdings Internal Audit, co-sourced providers, and external auditors to promote efficient enterprise risk coverage and consistent audit execution.
• Leverage data analytics, automation, and approved AI tools to improve audit quality, efficiency, and insight generation.

Minimum Qualifications 

• Bachelor's degree in Accounting, Finance, Business, Information Systems, Risk Management, or a related field.
• 7+ years of progressive experience in internal audit, external audit, risk management, regulatory oversight, or financial services.
• Experience auditing banking, fintech, lending, payments, or other technology-enabled financial services organizations.
• Experience leading audits independently from planning through reporting and remediation follow-up.
• Strong understanding of internal controls, risk-based auditing, governance, and professional auditing standards.
• Excellent written and verbal communication skills with the ability to influence stakeholders and present complex issues clearly.

Preferred Qualifications

• CPA, CIA, CISA, or another relevant audit, accounting, or risk management certification.
• Knowledge of OCC regulatory expectations, FDICIA, SOX, consumer compliance, technology risk, cybersecurity, model risk, or third-party risk management.
• Experience working with co-sourced audit providers, external auditors, or regulatory examinations.
• Experience helping build or enhance an Internal Audit function, audit methodology, or Quality Assurance and Improvement Program (QAIP).
• Experience using data analytics, automation, or GenAI tools to improve audit execution and reporting.

Position location This role is available in the following locations: Remote

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

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