[Remote] Bank Accounting and Regulatory Reporting Senior Associate

Note: The job is a remote job and is open to candidates in USA. Upstart is a leading AI lending marketplace focused on reducing the cost and complexity of borrowing for Americans. The Bank Accounting and Regulatory Reporting Senior Associate will prepare accounting records and regulatory filings for Upstart Bank, ensuring accuracy and compliance while collaborating across teams to enhance reporting quality and controls.ResponsibilitiesPrepare and review certain Bank-specific accounting recordsPrepare, review, and support the timely submission of regulatory filings, including Call Reports, FR Y-series reports, FDIC filings, and other required regulatory reportsPerform reconciliations, validations, and analytical reviews to ensure the completeness and accuracy of reported informationPartner with Accounting, Treasury, Risk, Operations, and Data teams to gather, validate, and understand data used in regulatory reportingPartner with Financial Reporting team to support bank-related disclosures included in SEC filings, including regulatory capital, deposits, and liquidity ensuring underlying data, analyses and supporting documents are accurate, complete, and consistent with regulatory requirementsResearch regulatory reporting instructions and guidance and assist in implementing reporting changes resulting from new products, business activities, or regulatory updatesIdentify reporting issues, data inconsistencies, and control gaps, and recommend practical solutions to improve reporting quality and efficiencySupport regulatory examinations, internal audits, and external audits by preparing documentation and responding to information requestsMaintain regulatory reporting procedures, controls documentation, and reporting evidence in accordance with governance requirementsContribute to process improvement and automation initiatives that enhance reporting accuracy, efficiency, and scalabilitySkillsBachelor's degree in Accounting, Finance, Economics, Business, or a related field (or equivalent practical experience)5+ years of experience in accounting, finance, regulatory reporting, or a related function within a regulated financial institutionExperience preparing, reviewing, or supporting bank regulatory reports, including Call Reports, FR Y-series reports, or similar regulatory filingsExperience performing reconciliations, controls, data validation, and analytical review proceduresExperience supporting internal audits, external audits, or regulatory examinationsExperience working in a bank, fintech with a bank partner, or other regulated financial institutionKnowledge of FDIC, Federal Reserve, OCC, and FFIEC reporting requirements and instructionsKnowledge of U.S. GAAP and its interaction with regulatory reporting requirementsExperience working with regulatory reporting systems, data warehouses, or reporting automation toolsSkills in identifying process improvement opportunities and partnering with cross-functional teams to implement solutionsCPA or other accounting and financial reporting professional certificationBenefitsTarget bonusesEquity compensationGenerous benefits packages (including medical, dental, vision, and 401k)Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterlyRetirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.Health Savings Account contributions from Upstart for eligible plans (US only)Income protection benefits, including life insurance and disability coverage for added financial securityPaid time off, sick leave, and company holidays, in line with local requirementsPaid family and parental leave to support caregiving and major life moments (duration varies by country)Family-centered benefits to support fertility, parenthood, and caregiving needsEmployee Assistance Program (EAP) offering mental health support and life-centered resourcesFinancial wellness resources, including access to financial planning tools and a financial concierge service (US Only)Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to youAnnual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work fromConnection and community through team events, all-company updates, and employee resource groups (ERGs)Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)Company OverviewUpstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. It was founded in 2012, and is headquartered in San Mateo, California, USA, with a workforce of 1001-5000 employees. Its website is https://upstart.com/about.Company H1B SponsorshipUpstart has a track record of offering H1B sponsorships, with 14 in 2026, 67 in 2025, 66 in 2024, 84 in 2023, 85 in 2022, 42 in 2021, 15 in 2020. Please note that this does not guarantee sponsorship for this specific role.