Compliance Manager advising Affirm’s consumer card program on U.S. financial regulations. Reviewing card products, marketing, disputes, and remediation for compliant growth.
Responsibilities
Own end-to-end compliance advisory for the Affirm Card program, including marketing, checkout, onboarding, Apple Pay, Google Pay, disputes, and servicing
Partner with Product, Engineering, and Operations throughout the development lifecycle
Apply EFTA (Reg E), TILA (Reg Z)/CARD Act, UDAAP, and related regulations to novel regulatory questions
Review and approve card marketing, disclosures, and UX for regulatory compliance and consumer protection
Lead root-cause analysis and sustainable remediation for Card compliance issues
Support regulatory exams and bank partner audits with Compliance Testing, Legal, and Risk
Maintain the Card program compliance risk assessment and control inventory, identifying coverage gaps
Develop and maintain Card-specific compliance training and reference materials
Serve as the compliance expert for new and evolving Card features, surfacing risk early in the product lifecycle
Requirements
8+ years of experience in a compliance advisory role within financial services with a Bachelor's degree; alternatives include 6+ years with a Master's degree, 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
Hands-on experience with card network rules such as Visa and Mastercard is a plus
Demonstrated ability to operate independently in ambiguous, fast-paced environments and make risk-based decisions
Experience partnering with Product on new products, features, or servicing programs
Experience owning issues from root-cause analysis through sustainable remediation
Experience advising Product, Engineering, and Operations stakeholders on a card, lending, or payments program
Strong verbal and written communication skills, including presenting complex regulatory issues to non-compliance audiences
Strong strategic thinking and problem-solving skills
Ability to present to senior leadership and leadership committees
Inquisitive and proactive approach to identifying problems and proposing practical solutions
Compliance certifications are a plus
Visa sponsorship is not available for this position
Benefits
100% subsidized medical coverage for employees and dependents
Dental and vision coverage for employees and dependents
Monthly stipends for tech spending
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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