Compliance Manager, Card

This is a fully remote position, open to applicants in United States, +1 more country.

📋 Description

• Take ownership of comprehensive compliance advisory for the Affirm Card program, which encompasses marketing, checkout, onboarding, Apple Pay, Google Pay, disputes, and servicing.

• Collaborate with Product, Engineering, and Operations throughout the entire development lifecycle.

• Apply EFTA (Reg E), TILA (Reg Z)/CARD Act, UDAAP, and related regulations to address unique regulatory inquiries.

• Review and authorize card marketing, disclosures, and user experience for regulatory compliance and consumer protection.

• Lead the investigation of root causes and implement sustainable solutions for Card compliance challenges.

• Assist in regulatory examinations and bank partner audits alongside Compliance Testing, Legal, and Risk teams.

• Maintain an assessment of compliance risks and control inventory for the Card program, identifying any coverage gaps.

• Create and sustain Card-specific compliance training and reference materials.

• Act as the compliance authority for new and evolving Card features, identifying risks early in the product development process.

⛳️ Requirements

• Over 8 years of experience in a compliance advisory role within the financial services sector, holding a Bachelor's degree; alternatives include over 6 years with a Master's degree, 3 years with a PhD, or equivalent experience.

• Significant experience in card or payments compliance.

• Extensive knowledge of EFTA (Reg E) and TILA (Reg Z)/CARD Act as they apply to card products.

• Familiarity with TISA (Reg DD) and UDAAP regulations.

• Practical experience with card network regulations such as those from Visa and Mastercard is advantageous.

• Proven ability to work independently in ambiguous, fast-paced environments and make risk-based decisions.

• Experience collaborating with Product on new products, features, or servicing initiatives.

• Proven track record of managing issues from root-cause analysis through to sustainable remediation.

• Experience providing guidance to Product, Engineering, and Operations stakeholders regarding card, lending, or payments programs.

• Excellent verbal and written communication skills, including the ability to present complex regulatory matters to non-compliance audiences.

• Strong strategic thinking and problem-solving capabilities.

• Ability to present information to senior leadership and leadership committees effectively.

• Proactive and inquisitive approach to identifying issues and proposing viable solutions.

• Compliance certifications are a plus.

• Visa sponsorship is not available for this role.

🏝️ Benefits

• Complete medical coverage for employees and their dependents at no cost.

• Dental and vision insurance for employees and their dependents.

• Monthly stipends allocated for technology expenses.

• Monthly stipends for health and wellness expenditures.

• Flexible paid time off policy.

• Generous holiday schedule.

• Employee stock purchase plan (ESPP) available with discounted Affirm stock.

• Inclusive interview process with accommodations for candidates with disabilities.

• In-person onboarding experience provided.