Senior Manager, Technology Risk

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's Risk team is enhancing its second line of defense function in support of our application to establish Upstart Bank, N.A., a de novo national bank. The Risk team is responsible for Upstart's enterprise risk management program and risk governance, and for providing independent oversight and credible challenge across all core risk categories– including operational risk, third party risk, technology and information security risk, and treasury risk. We partner with first-line business functions, senior and executive leadership, and the board of directors to ensure effective identification, assessment, monitoring, reporting, and control of material risks, in alignment with OCC, FDIC, and FFIEC regulatory expectations. As the Senior Manager, Technology Risk you will  lead the second-line technology and information security risk oversight program for Upstart Bank. You  will establish the bank's 2LOD technology risk framework–  leveraging and enhancing Upstart's existing technology and information security risk infrastructure to meet bank regulatory standards– and will provide independent oversight and credible challenge of the first-line technology and information security functions across all technology domains, including IT operations, cybersecurity, cloud infrastructure, affiliate-provided technology, and core banking systems. This role reports to the head of third party and technology risk and manages a team of two technology and security risk professionals.  How you’ll make an impact Provide independent second-line review and credible challenge of first-line technology and information security activities, including but not limited to: cybersecurity controls, software development lifecycle (SDLC) and incident response programs, technology resiliency  and third-party arrangements Oversee completion of the FFIEC Cybersecurity Assessment Tool (CAT) or equivalent framework; conduct technology and security  risk assessments; and provide independent oversight of technology and security risks in alignment with OCC guidance on cloud computing Serve as a primary second-line point of contact for OCC examiners, internal audit, and other external stakeholders on technology risk and information security program topics and inquiries; prepare and deliver technology risk reporting to risk committees, the CRO, and the board.  Build and lead a growing Technology Risk team, shaping how the bank identifies, prioritizes, and responds to its most important technology and security risks in alignment with applicable industry regulations Partner with first-line IT and cybersecurity teams, TPRM, ERM, Legal, and Compliance to ensure technology and information security risk is integrated into enterprise risk programs, cross-functional risk assessments, and the bank's overall 2LOD reporting and governance structure Minimum Qualifications  Bachelor's degree or equivalent practical experience in information technology, cybersecurity, or a related field 8+ years of experience in technology risk, information security risk management, IT audit, or GRC in a banking or financial services environment 3+ years of direct people management experience leading technology risk, information security governance, risk, and compliance, or information technology audit professionals Demonstrated experience applying FFIEC IT Examination Handbook standards and OCC guidance on technology risk and information security in a bank or federally regulated institution Experience engaging banking regulators (OCC, FDIC, or Federal Reserve) on technology risk, cybersecurity, or IT controls examination matters Preferred Qualifications Experience building or significantly enhancing a technology risk or information security GRC program in a de novo bank, early-stage bank, or similar environment where the program required meaningful design and build-out Knowledge of cloud risk management and OCC/FFIEC guidance on cloud computing (OCC Bulletin 2020-46), particularly in cloud-native or fintech-adjacent technology environments Familiarity with affiliate technology risk oversight, including independent oversight of bank-affiliate technology service arrangements, associated data segregation requirements, and Regulation W implications Experience with GRC tool implementation or administration in a bank regulatory context Current professional