Financial Reporting Analyst

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 of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $105,500 - $145,900 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: 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!) For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email View email address on click.appcast.io