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 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 who will support efforts to mature the company’s Fair Lending 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 collaborate 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 Compliance Manager of Fair Lending and will work cross-functionally with other teams.

What You’ll Do

• Work closely with cross functional partners to support the ongoing maturation of aspects of the Fair Lending Program (e.g. advisory frameworks, risk assessment, testing, governance).

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

• 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. 

• Collaborate with relevant stakeholders to ensure transparency into compliance risks impacting key initiatives, company growth or Bank partners.

• Build relationships with business and functional partners.

What We Look For

• Bachelor's degree or equivalent experience.

• 5+ years of professional work experience in Compliance Risk, Audit, 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.

Pay Grade - I

Equity Grade - 5

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 value of people come first. Some key highlights of our benefits package include: 

• Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents 
• Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses
• Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge
• ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount

We 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.

[For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records.

By clicking "Submit Application," you acknowledge that you have read the Affirm Employment Privacy Policy for applicants within the United States, the EU Employee Notice Regarding Use of Personal Data (Poland) for applicants applying from Poland, the EU Employee Notice Regarding Use of Personal Data (Spain) for applicants applying from Spain, or the Affirm U.K. Limited Employee Notice Regarding Use of Personal Data for applicants applying from the United Kingdom, and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.