Upgrade
Tom Curran is Upgrade’s Chief Risk Officer and Chief Compliance Officer. Tom is responsible for Upgrade’s compliance management system (“CMS”) including its compliance program, operational risk, business continuity, and vendor management.
Tom has twenty years of financial regulatory experience. Prior to joining Upgrade, Tom spent over six years with Promontory Financial Group as a senior member of the team advising consumer lenders, fintech companies, and mortgage originators and servicers on the development and enhancement of their enterprise risk and compliance programs.
Prior to that, Tom spent one year with the US Treasury’s Capital Purchase Program, and nine years as an examiner with the Office of Thrift Supervision (“OTS”). While at the OTS, Tom held a variety of specialist positions related to the examination of consumer credit.
Upgrade
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Upgrade is a neobank that offers credit to mainstream consumers through cards and personal loans, together with free credit monitoring and education tools that help consumers understand and manage their finances. Upgrade Card provides an innovative credit card that brings the low cost and responsible credit of installment lending to millions of retail locations in the U.S., while Upgrade Account is a mobile banking product offered to mainstream consumers.