Compliance Lead

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest.

Affirm’s Compliance team designs and implements a compliance program that proactively addresses regulatory requirements while also identifying potential compliance issues that may arise. Compliance program activities include advisory, training, testing & monitoring, reporting and oversight. Although a second line of defense, compliance partners with the business to support new products, markets, and initiatives, as well as issue identification, remediation plans and risk assessment. Compliance uses multiple data sources to enable informed decision making, strengthen controls and provide for better treatment of consumers.

Affirm is currently in search of a proficient FinTech Compliance Lead to become a part of our Product and Marketing Compliance team. The Compliance Lead will play a pivotal role in ensuring our business partners adhere to all relevant regulatory requirements and internal policies. The ideal candidate will have a strong background in financial services compliance, a keen understanding of the fintech landscape, and the ability to navigate complex regulatory environments. As the Compliance Lead, you will work alongside the wider legal and compliance teams to identify and evaluate risks within applicable requirements, and offer guidance on mitigating potential risks. This role will report to the Senior Manager, Compliance and will be required to work independently and cross-functionally.

What You’ll Do

• Collaborate with the Product team to optimize Affirm's offerings by identifying and mitigating compliance risks without compromising business objectives.

• Review and approve financial services marketing materials to ensure they comply with regulations and industry standards.

• Work cross-functionally with departments such as Compliance, Legal, Risk, and Product to complete reviews and address compliance issues and their root causes.

• Develop and maintain compliance training and reference materials. 

• Operate in a fast-paced environment while delivering detailed and diligent work.

• Support the completion of the compliance risk assessment and control inventory, including collecting and documenting results.

• Serve as an expert on regulatory compliance, especially as it applies to new and revised financial products and services.

What We Look For

• Bachelor's degree or equivalent experience (Compliance certifications a plus) 

• 4+ years of professional work experience in a compliance advisory role.

• Experience working in fast-paced, ambiguous environments

• Experience advising revenue-generating stakeholder groups 

• A strong interest in fintech and consumer financial protections.

• Working knowledge of consumer financial laws and regulations, including UDAAP, CAN-SPAM, FCRA, TCPA, TILA (Reg. Z), ECOA (Reg. B), EFTA (Reg. E), TISA (Reg. DD) 

• Inquisitive and proactive in identifying problems and proposing creative solutions and ability to learn and adapt in a fast-paced environment.

• Ability to work in a self-directed environment with excellent strategic thinking and problem-solving ability, who can assist with minimal guidance.

• Outstanding verbal and written communication with the ability to clearly present complex and contentious issues.

Pay Grade - I

Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills.

Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.)

USA base pay range (CA, WA, NY, NJ, CT) per year: $115,000 - $155,000

USA base pay range (all other U.S. states) per year: $102,000 - $142,000

Please note that visa sponsorship is not available for this position.

#LI-Remote

Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.

We’re extremely proud to offer competitive benefits that are anchored to our core