Upgrade is a fintech unicorn founded in 2017. In the last four years, over 15 million people have applied for an Upgrade card or loan, and we have delivered over $7 billion in affordable and responsible credit. Our innovative Upgrade Card combines the flexibility of a credit card with the low cost of an installment loan. Our latest offering, Rewards Checking, gives customers access to no-fee checking accounts with 2% cash back rewards on common everyday spending. Learn more about the team.

Upgrade has been named a “Best Place to Work in the Bay Area” by the San Francisco Business Times and Silicon Valley Business Journal 3 years in a row, and received “Best Company for Women” and “Best Company for Diversity” awards from Comparably. Upgrade has been included in the 2021 Inc. 5000 list of the fastest-growing private companies in America.

We are looking for new team members who get excited about designing and implementing new and better products to join a team of 750 talented and passionate professionals. Come join us if you like to tackle big problems and make a meaningful difference in people's lives.

We are seeking a team member that is an expert in SCRA to join our team that has prior experience working with SCRA processing requests and ensuring regulation and compliance standards are met within our Upgrade Service Center. The ideal candidate will be able to implement, manage, and enhance the SCRA processing system within the Upgrade Service Center while working closely with Upgrade’s compliance team.

What you'll do

• Develop and maintain systems and processes to ensure SCRA claims are handled properly during all stages of the process.
•  Ensure SCRA adjustments are timely identified and serviced in compliance with requirements and that records are appropriately maintained and tracked
• Answer customer emails and physical mail inquiries and questions regarding SCRA.
• Develop, implement, and maintain processes & procedures
•  Regularly monitor and review SCRA account activity and follow up with customers in a timely fashion prior to the expiration date to determine continued eligibility
• Research and investigate military documents to make decisions supporting Federal and State policy in compliance with the SCRA and complex questions regarding eligibility
•  Additional duties as assigned

What you have

• 3+ years of SCRA experience required Strong organizational, problem-solving, and analytical skills, with the ability to manage multiple priorities
• Entrepreneurial style individual with a strong work ethic who is comfortable in a fast-paced environment with constant change and growth
• Ability to take direction and react with appropriate levels of urgency to situations and events that require quick response or turnaround
• Exceptional interpersonal, written, and verbal communication skills, with the ability to create and effectively deliver presentations
• Versatile, flexible, and willing to work in an environment with rapidly changing priorities
• Ability to review documents for errors, inconsistencies, or missing information
• Ability to exercise initiative and use of good judgment to make sound decisions with the company, compliance, and regulations in mind
• Attention to detail while meeting deadlines
• Proficient knowledge of retail banking compliance regulations including UDAAP, FDCPA, MLA, SCRA, and Reg E.
• Proficient in interpreting, understanding military orders and government documentation
• Proficient knowledge of federal regulations and state laws
• Experience in the fintech or financial services industry is preferred
• Critical thinker, self-starter, clear and concise communicator
• Strong analysis and problem-solving skills

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.