Director, Compliance

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 is seeking a Director, Compliance - Repayments and Servicing/Collections to lead a team of compliance professionals responsible for various second-line advisory and operational functions at Affirm. The role will report to the Senior Director, US Compliance and will work cross-functionally with other teams.

Affirm’s Compliance team provides company-wide leadership, standards, support, and independent oversight to ensure that business units abide by applicable laws, rules, and regulations. Compliance credibly challenges management decisions, business processes, and evaluates adherence to applicable regulatory requirements. Compliance provides appropriate analysis, reporting, and escalation to Executive management and the Board, set minimum standards for the company, and provide guidance for compliance risk management activities across the company.

What you'll do

• Manage a team who is responsible to provide second-line oversight and regulatory advisory services for Product, Eng and Operations in the Repayments, Servicing, Collections/Recovery stage of the product life-cycle
• Provide Compliance review for vendor management oversight activities (risk assessment, onboarding new servicing vendors) Prepare and/or review responses to Regulatory, Bank Partner and Audit Engagement requests
• Work with responsible business units on issues/incident response triage and to agree on corrective actions to strengthen preventative and detective controls
• Ensure identified deficiencies are promptly addressed and effectively resolved
• Write reports, memos or presentations that clearly articulate the results/conclusions of compliance review activities or risk escalations and communicate to key stakeholders across the company
  
  

What we look for

• Advanced degree or CRCM or similar designation, preferred
• 10 years of experience in compliance risk management or legal advisory
• Preferred experience with: Risk Operations, Credit Furnishing and Disputes, Regulation Z disputes, SCRA/MLA, State Law Requirements
• Demonstrated experience regulatory compliance reviews
• Experience with tracking and monitoring corrective actions, audits or exams
• Experience with consumer protection and general banking regulations of the Fed, FDIC, OCC, and/or CFPB
• Demonstrated sound decision-making, negotiation, and collaboration skills
• Excellent verbal, written, and interpersonal communication skills
• Ability to interact with all levels of an organization
• Self-motivation and a willingness to take ownership of projects
• A team player mindset, pitching in wherever needed
• A passion for improving the lives of consumers through Affirm’s products
• Humility, integrity and a sense of humor; you take your work seriously but not yourself
  
  

Pay Grade - S

Equity Grade - 12

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 Pacific base pay range (CA, WA, NY, NJ, CT): $230,000 - $310,000

USA Sapphire base pay range (all other U.S. states): $203,000 - $283,000

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

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.

Benefits

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.