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. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. 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. The team supports safe and sound banking practices through strong financial controls, accurate reporting, and effective partnership across Finance, Treasury, Operations, Risk, and Compliance. 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 (such as deposits and other banking activities) and regulatory reporting filings of the Upstart Bank and the Bank Holding Company . You will apply your expertise to ensure completeness, accuracy, and timeliness of the accounting records and regulatory filings while partnering across teams to strengthen reporting quality, controls, and documentation. This role requires strong technical knowledge, sound judgment, and the ability to independently manage reporting responsibilities with limited oversight. 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, including regulatory capital, deposits, and liquidity ensuring underlying data, analyses and supporting documents are accurate, complete, and consistent with regulatory requirements. Research regulatory reporting instructions and guidance and assist in implementing reporting changes resulting from new products, business activities, or regulatory updates. Identify reporting issues, data inconsistencies, and control gaps, and recommend practical solutions to improve reporting quality and efficiency. Support regulatory examinations, internal audits, and external audits by preparing documentation and responding to information requests. Maintain regulatory reporting procedures, controls documentation, and reporting evidence in accordance with governance requirements. Contribute to process improvement and automation initiatives that enhance reporting accuracy, efficiency, and scalability. Minimum Qualifications  Bachelor’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 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 and partnering with cross-functional teams to implement solutions. CPA or other accounting and financial reporting professional certification.  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. At Upstart, your base pay is one part