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.

We are seeking an experienced and detail-oriented Senior Compliance Manager. As a Senior Compliance Manager, you will be responsible for overseeing compliance with the Fair Credit Reporting Act (FCRA) and managing issues related to regulatory compliance within the organization. Additionally, you will advise Affirm’s Servicing, Collections, and Repayments teams on compliance requirements. The ideal candidate will possess extensive knowledge of FCRA and other servicing regulations, exceptional analytical skills, and a proven track record in developing and implementing effective compliance programs.

What you’ll do

• FCRA Compliance:
• Stay abreast of changes in FCRA and ensure organizational policies and procedures align with the latest requirements.
• Design, implement, and manage a comprehensive FCRA compliance program to mitigate risks and ensure adherence to regulatory standards.
• Conduct regular audits and assessments to monitor FCRA compliance across all relevant business functions.

Regulatory Compliance Advisory: 

• Stay abreast of changes in servicing, collections, and repayments regulations and ensure organizational policies and procedures align with the latest requirements.
• Provide guidance to Affirm’s Servicing, Collections, and Repayments teams on compliance requirements related to product changes and new initiatives.

• Issues Management:
• Identify, assess, and manage compliance-related issues within the organization.
• Collaborate with cross-functional teams to develop and implement corrective action plans in response to identified compliance issues.
• Serve as a subject matter expert on compliance matters, providing guidance and training to employees at all levels.
• Policy Development and Enhancement:
• Develop and update compliance policies and procedures, ensuring alignment with regulatory requirements and best practices.
• Work closely with legal and regulatory affairs teams to interpret and integrate new laws and regulations into existing compliance programs.
• Training and Education:
• Develop and deliver training programs on FCRA compliance and other relevant servicing, collections, and repayments regulations to ensure awareness and understanding across the organization.
• Provide ongoing education and communication to employees regarding changes in compliance requirements.
• Monitoring and Reporting:
• Establish and maintain monitoring mechanisms to track compliance metrics and key performance indicators.
• Prepare and present regular reports to senior management, highlighting compliance status, identified issues, and remediation efforts.

Qualifications:

• Bachelor’s degree in business, law, finance, or a related field. Advanced degree or professional certification in compliance is a plus.
• Minimum of 8 years of relevant experience in compliance management, with a focus on servicing operations compliance, including FCRA, and issues management.
• In-depth knowledge of FCRA and other servicing, collections, and repayments regulations, guidelines, and industry best practices.
• Strong analytical and problem-solving skills, with the ability to assess complex compliance issues and develop effective solutions.
• Excellent communication and interpersonal skills, with the ability to interact with individuals at all levels of the organization.
• Proven experience in leading compliance initiatives and driving a culture of compliance within an organization.

Pay Grade – USA30
Employees new to Affirm or promoted into a new role, typically begin in the min to mid range.
USA base pay range (CA, WA, NY, NJ, CT) per year:
Min: $162,400
Mid: $203,000
Max: $243,500

USA base pay range (all other U.S. states) per year:
Min: $146,100
Mid: $182,700
Max: $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’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.