Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $25 billion in affordable and responsible credit to our 2.7M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B.

We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts.

Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, “Top Companies to work for in Arizona” and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition for being a best company for Diversity, Women, Culture, and Veterans.

We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1600 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives.


About the Role:

Upgrade is seeking an Deposit Control Manager to join our team in Phoenix, AZ. Reporting to the Oversight Senior Director, this individual contributor role will ensure consistency in meeting business and regulatory requirements. This will be achieved through coordination, execution and supervision of controls framework as it pertains to deposit accounts. 

What You’ll Do:

  • Act FAST to problem-solve and deliver solutions based on business need
  • Be a product and service subject matter expert
  • Collaborate with partners and stakeholders to drive inclusivity, adherence, and engagement both internally to the department and to Upgrade as a whole
  • Manage and uphold the documentation required to evidence first line of defense (FLOD) supervision of all deposit operations activities
  • Partner with both internal and external business partners to prepare for audits and exams
  • Report and investigate identified risks raised by the business, Compliance, Legal, and Auditors
  • Address and escalate potential deviations from regulatory and procedural compliance
  • Collaborate with First Line Business Managers and Compliance to provide sound, practical guidance for timely remediation of identified risks
  • Ensure the delivery of timely and regular reporting of deposit operations results to department leaders and key stakeholders
  • Maintain confidentiality of key business messages and other sensitive work-specific information
  • OWN individual results and strive for continuous improvement to best support the business needs and role expectations
  • Plan and perform all financial and operational activities that directly involve Deposit Servicing operations while identifying and providing recommendations for IMPROVEments across the organization
  • Provide insightful feedback to HELP Service Center Leaders
  • Provide tactical support to aid in the implementation of key initiatives and communicate progress toward goals
  • Stay abreast of procedure updates and changes to ensure completed work meets up-to-date expectations
  • Other duties as assigned

What We Look For:

  • 5+ years of deposit account experience or a similar required, i.e. 1st Line Compliance, Risk and Control Management, Compliance Testing & Monitoring
  • Ability to build and maintain strong cross-department working relationships
  • Ability to work independently and effectively as part of a team, while prioritizing multiple tasks and responsibilities simultaneously to meet deadlines
  • Adaptable and flexible to changes in business needs as it relates to the role and daily responsibilities
  • Advanced knowledge of the regulations impacting deposit operations and products
  • Advanced written and verbal communication style
  • Proficient in Google Suite with the aptitude to learn new programs
  • Strong attention to detail and excellent organizational skills



$80,000k-$100,000k annually 


What We Offer You: 

  • Competitive salary and stock option plan
  • 100% paid coverage of medical, dental and vision insurance 
  • Flexible PTO
  • Opportunities for professional growth and development  
  • Paid parental leave
  • Health & wellness initiatives

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

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Upgrade is dedicated to building a diverse team and an inclusive culture. We believe that it’s crucial to Upgrade’s long-term success to create an environment where all employees feel like they belong and have an equal opportunity to succeed.

For this reason, we are asking candidates to voluntarily self-identify through a few demographic questions. Our purpose in collecting this information is to help us assess our outreach efforts and diversity representation goals. Your responses will not be linked to your identity or your application, and neither recruiters nor hiring managers can see this information at an individual level. Your responses are stored in the aggregate and will not play any role in our hiring decision.  Your decision to participate or not participate in this survey will have no impact on your candidacy at Upgrade.

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