Annie Delgado is Chief Compliance Officer at Upstart - the leading AI lending platform designed to expand access to affordable credit. In this capacity, she built a data-driven, technology-based compliance program with particular focus on understanding and managing regulatory risks associated with the use of non-traditional credit modeling techniques and underwriting variables. Annie fosters a culture of compliance, consumer protection, and innovation through hands-on engagement with Upstart colleagues, bank partners, and regulators. Throughout her career in mortgage and consumer lending, she has managed and scaled teams spanning multiple functions including Compliance, Operations, and Software Applications. She has designed and implemented automated solutions to regulatory change such as leading the implementation of the TILA-RESPA Integrated Disclosure Rule during her time at Opes Advisors.