Compliance Manager owning risk-based advisory for Affirm Card at Affirm, which provides transparent pay-over-time financial products. Reviewing card compliance, remediation, and regulatory requirements.
Responsibilities
Own end-to-end compliance advisory for the Affirm Card program, including card marketing, checkout, onboarding, wallets, disputes, and servicing
Partner with Product, Engineering, and Operations throughout the development lifecycle
Apply judgment under EFTA (Reg E), TILA (Reg Z)/CARD Act, and UDAAP to navigate novel regulatory questions
Review and approve card marketing, disclosures, and UX for regulatory compliance and consumer protection standards
Lead root-cause analysis and sustainable remediation for Card compliance issues
Partner with Compliance Testing, Legal, and Risk on regulatory exams and bank partner audits
Maintain the Card program's compliance risk assessment and control inventory
Develop and maintain Card-specific compliance training and reference materials
Serve as the compliance expert on new and evolving Card features and identify risk early in the product lifecycle
Requirements
8+ years of experience in a compliance advisory role within financial services with a Bachelor's degree, or 6+ years with a Master's degree, or 3+ years with a PhD, or equivalent
Meaningful experience with card or payments compliance
Deep working knowledge of EFTA (Reg E) and TILA (Reg Z)/CARD Act as applied to card products
Familiarity with TISA (Reg DD) and UDAAP
Experience with card network rules such as Visa and Mastercard is a plus
Demonstrated ability to operate independently in ambiguous, fast-paced environments
Experience partnering with Product from early stages of product, feature, or servicing program development
Experience owning issues from root-cause analysis through sustainable remediation
Experience advising Product, Engineering, and Operations stakeholders on card, lending, or payments programs
Strong verbal and written communication skills
Strategic thinking and problem-solving skills
Ability to present complex regulatory issues to non-compliance audiences, senior leadership, and leadership committees
Compliance certifications are a plus
Benefits
100% subsidized medical coverage for employees and dependents
Dental and vision coverage for employees and dependents
Monthly tech setup stipend
Monthly health and wellness spending stipends
Flexible time off
Generous holiday calendars
Employee stock purchase plan (ESPP) with discounted Affirm stock
Inclusive interview process with accommodations for candidates with disabilities
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