Compliance Lead, Servicing Operations

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 proudly includes Returnly.
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 Compliance Lead to support its servicing operations compliance program. This position plays a fundamental role by delivering key results and providing subject matter expertise on regulatory requirements. In this capacity, the Compliance Lead will provide guidance to Affirm's operations teams to mitigate risk and ensure compliance with regulations and collaborate with cross functional partners including Legal, Operations, Product, Engineering and senior leadership to make process improvements and further build out our compliance program. Remotely, the role will report to the Senior Compliance Manager, Servicing Operations and will work cross-functionally with other teams.
What You'll Do

• Provide guidance to Affirm's Operations teams on regulatory requirements and make recommendations on issue remediation, prioritization, and process improvement
• Review customer complaints to identify root cause, analyze trends, and identify opportunities for product and process improvements to fix recurring issues
• Become a key cross functional partner for the servicing product and operations teams and provide feedback from a compliance perspective on product changes and servicing improvements.
• Assist in documenting 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.
• Drive improvements to compliance's internal processes and build out metrics reporting
• Collaborate with relevant team members to ensure transparency into compliance risks impacting key initiatives, company growth or Bank partners.

What We Look For

• Bachelor's degree or equivalent experience.
• 5+ years of professional work experience in Compliance Risk, Audit, Operational Risk, or Bank Regulatory.
• Excellent organizational and relationship skills.
• 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.

Location - Remote U.S.
Grade - USA27
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 can be located anywhere in the U.S. and Canada (with the exception of the U.S. Territories, Quebec, Yukon, Nunavut, and the Northwest Territories) unless the job indicates a different global location. We are currently building operations in Spain, Poland, and Australia. Employees in remote roles have the option of working remotely or from an Affirm office in their country of hire, and may occasionally travel to an Affirm office or elsewhere for required meetings or team-building events. Our offices in Chicago, New York, Pittsburgh, Salt Lake City, San Francisco and Toronto will remain operational and accessible for anyone to use on a voluntary basis, subject to local COVID-19 guidelines.
All full-time jobs at Affirm (excluding interns and apprentices) are tied to a transparent grade-based pay range taking location into account.
[Colorado Candidates] In accordance with Colorado's Equal Pay for Equal Work Act , the grade for this position in Colorado is listed above. You can find the Colorado base pay range and benefits here .
If you got this far, we hope you're feeling excited about this role. Even if you don't feel you meet every single requirement, we still encourage you to apply. We're eager to meet people who believe in Affirm's mission and can contribute to our team in a variety of ways-not just candidates who check all the boxes.
Inclusivity:
At Affirm, People Come First is one of our core values, and that's why diversity and inclusion are vital to our priorities as an equal opportunity employer. You can read about our D&I program here and our progress thus far in our 2021 DEI Report .
We also believe It's On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.
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