Bank Accounting and Regulatory Reporting Senior Associate

Role Description

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.

• 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.

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.

Requirements

• 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.

Benefits

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly.
• Retirement 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 security.
• Paid time off, sick leave, and company holidays, in line with local requirements.
• Paid family and parental leave to support caregiving and major life moments (duration varies by country).
• Family-centered benefits to support fertility, parenthood, and caregiving needs.
• Employee Assistance Program (EAP) offering mental health support and life-centered resources.
• Financial 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 you.
• Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from.
• Connection 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!).