Senior Compliance Manager, Fair Lending

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 enables Affirm to proactively adhere to regulatory requirements while also identifying and addressing potential regulatory issues that may arise. Compliance program activities include advisory, guidance & training, independent testing & monitoring, reporting, escalation, and oversight. As the second line of defense, compliance proactively partners with the business to support new products, markets, and initiatives, change management, issue identification, and remediation plans, assessment and monitoring of third parties, and provides trends and data to enable informed decision making, strengthen controls or provide for better treatment of consumers.

Affirm is seeking a Fair Lending Compliance Senior Manager responsible for maintaining and enhancing the company’s Fair Lending Compliance Program. This position plays a fundamental role by executing on key deliverables and providing subject matter expertise related to regulatory requirements.  In this capacity, the Senior Manager will be responsible for working closely with Legal, Product, Credit, Applied Machine Learning, Engineering and senior leadership to identify and assess fair lending risk within applicable requirements, and provide guidance to mitigate risk. Remotely, the role will report to the Senior Director, Fair Lending & Regulatory Advisory and will work cross-functionally with other teams.

What You'll Do

• Work closely with cross functional partners to support the design, development and implementation of aspects of the Fair Lending Compliance Program (e.g. advisory frameworks, risk assessment, testing, governance).

• Provide subject matter expertise on Fair Lending and possess the ability to communicate complex regulatory expectations for Fair Lending matters throughout the product life-cycle and across all products and services. 

• Manage a team of professionals responsible for providing fair lending advisory support and maintenance of the Fair Lending Compliance Program. 

• Document critical processes, support the maintenance of internal team sites, and support the Compliance team in maintaining relevant policies, risk assessments, training materials, issues management and other related items. 

• Collaborate with leadership to ensure visibility into compliance risks impacting key initiatives, company growth or Bank partners.

• Build relationships with critical business and functional partners, including Bank partners.

What We Look For

• Bachelor's degree or equivalent experience.

• 7+ years of professional work experience in Compliance Risk, Audit, or Bank Regulatory.

• Excellent organizational and relationship management skills.

• Demonstrated experience as a key contributing member of a high-performing and fast-paced team.

• A strong interest in fintech and consumer finance.

• Experience working with consumer financial regulations, including Reg. B (ECOA), UDAAP, CAN-SPAM, FCRA, Reg. E, Reg. P, and Reg. Z.  

• Inquisitive and proactive in proposing creative and effective solutions.

• Strong project management, critical thinking, and analytical skills.

• Excellent verbal and written communication skills with the ability to clearly present complex and sensitive issues.

USA Pacific base pay range (CA, WA, NY, NJ, CT): $162,400 - $243,500

USA Sapphire base pay range (all other U.S. states): $146,100 - $219,200

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 have a simple and transparent remote-first grade-based compensation structure. Offer amounts within the range are based on a number of factors including but not limited to job-related skills, experience, and relevant education or training. Across the broader organization, certain roles are eligible for equity awards upon hire, promotion, tenure milestones and for performance.

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