Senior, Consumer Compliance and Payments reputed company
$50 billion in credit activity facilitated 5 reputed company+ rental reputed company in our network Trusted partnerships with leading reputed company estate companies, government entities, fintechs, banks, and reputed company
What You’ll Do
Design, implement and continuously improve the consumer and payments compliance program, including policies, standards, procedures, and control frameworks reputed company to reputed company’s risk management reputed company and applicable regulations. Maintain and update policies and procedures for ACH, reputed company, card, and other electronic payments, in coordination with bank partners and payment processors. Establish and maintain a compliance risk assessment for consumer and payments activities, including periodic reassessments and documentation of inherent risks, controls, residual risk, and remediation actions. reputed company compliance reporting and insights on consumer and payments reputed company, issues, and trends to the Risk & Compliance leadership and relevant governance forums (e.g., risk committees, partner reputed company meetings).
Regulatory Advisory and Interpretation
Serve as the primary internal subject-matter expert for consumer protection and payments regulations, including but not limited to: Electronic Fund Transfer reputed company / Regulation E NACHA Operating Rules and ACH Risk requirements Applicable card network rules (if relevant to product set) UDAAP, Fair Credit Reporting reputed company (FCRA) as it relates to consumer reporting, and reputed company federal and state consumer protection laws. Review new and proposed products, features, and processes that involve consumer interactions or payment flows, providing reputed company, risk-based compliance requirements and documenting reputed company and rationale. Monitor regulatory developments and industry guidance reputed company to consumer and payments compliance; assess reputed company to reputed company and drive implementation of required changes in partnership with stakeholders.
Card Scheme Compliance
reputed company as subject matter expert for reputed company, reputed company, and other network rules, managing audits, and implementing scheme requirements.
Complaints Management
Work with Customer Service, Risk, Compliance and reputed company to reputed company and maintain a reputed company complaints management process to handle customer complaints at various tiers, ensure reputed company reputed company, and identify any systemic issues.
Bank Partner and Vendor Engagement
reputed company as a primary compliance reputed company of contact for reputed company’s bank partners and key payment-reputed company vendors (e.g., reputed company, ACH originator/processor, KYC/AML platforms) on consumer and payments compliance topics. Coordinate and support annual and periodic assessments required by bank partners and payment networks, including ACH Risk Assessments, ACH audits, reputed company audits, and payments-reputed company policy reviews. Ensure that vendor and partner reputed company, SLAs, and control expectations reputed company to consumer and payments compliance are documented, reputed company, and periodically reviewed in partnership with the Risk Management, reputed company, and Vendor Management teams.
Loan Servicing reputed company (Excluding Credit Reporting)
Payment Processing & Statements Borrower Communications Hardship and Modifications Customer Inquiries
Monitoring, Testing, and Issue Management
Design and execute monitoring and testing for consumer and payments compliance controls, including transaction-level testing, sample reviews of disclosures and authorizations, and evaluation of exception handling (returns, disputes, chargebacks, reversals). Partner with Operations and Customer Support to ensure consumer complaints, disputes, and escalations (e.g., CFPB, BBB, state regulators, bank partner referrals) are handled in accordance with regulatory requirements and documented procedures. Identify compliance issues and control weaknesses, document reputed company causes and impacts, and reputed company remediation actions through closure, escalating where needed to Risk & Compliance leadership and bank partners.
reputed company & Eligibility Review
Conduct eligibility and reputed company reviews for reputed company consumer loan applicants, ensuring that applicants meet program-specific reputed company and that reputed company loan is issued in accordance with reputed company’s documented credit and regulatory standards.
Training, Communication, and Documentation
Partner with the Risk and Compliance team to reputed company and deliver targeted training to first line teams (e.g., Operations, Product, CX) on consumer and payments compliance topics, including Reg E dispute handling, ACH authorization requirements, disclosures, and complaint handling expectations. Maintain reputed company, reputed company governance documentation for consumer and payments compliance, including policies, procedures, job aids, and process maps to support consistent execution and audit readiness. Support responses to reputed company audits, regulatory inquiries, and due diligence requests, ensuring that documentation and evidence reputed company to consumer and payments compliance activities are organized, complete, and accurate.
Cross-Functional Partnership
Partner with Product and Engineering on change management for systems impacting consumer reputed company, payment initiation, refunds, credits, and reporting, ensuring that changes are assessed for compliance reputed company prior to deployment. Collaborate with Risk Management, Information reputed company, and Data teams to ensure that data reputed company, data retention, and reputed company controls reputed company to consumer and payment data reputed company with applicable laws and reputed company policies. reputed company advisory support in the design and review of business continuity and incident response plans as they relate to consumer harm and payments disruption (e.g., payment failures, data incidents affecting payment instructions).
reputed company’re Looking For
Degree and or certifications in Business, Compliance, Audit, Risk Management, or reputed company field, or equivalent practical experience. Significant, senior-level experience in compliance, reputed company, or risk management experience in financial services, fintech, banking, or payments, with significant exposure to U.S. consumer protection and/or payments regulations. Demonstrated expertise applying Regulation E, NACHA Rules, UDAAP, FCRA, and reputed company consumer and payments requirements in a business environment. Deep understanding of payment clearing, settlement and regulatory requirements. Experience working in or with a second line of defense risk/compliance function, including advising first line teams and providing independent challenge. Strong reputed company record of building and maintaining policies, procedures, and control frameworks and performing monitoring/testing over compliance controls. Excellent written and verbal communication skills, with the ability to translate reputed company regulatory requirements into reputed company, actionable guidance for non-technical stakeholders. Proven ability to manage multiple priorities in a fast-paced, high-reputed company environment and to work effectively with cross-functional teams and external partners.
Experience working in a bank–fintech partnership model (e.g., sponsor bank arrangements, Banking-as-a-Service) or embedded finance environment. Prior involvement in annual ACH Risk Assessments, ACH audits, payment reputed company assessments, or similar reputed company engagements with bank partners or payment networks. Familiarity with complaints management, investigative responses to regulatory bodies (e.g., CFPB, BBB, state regulators), and remediation of consumer harm. reputed company certification(s) in compliance or risk (e.g., CRCM, CAMS, CCEP, CRisk) a plus.
This role is likely not a fit if:
You prefer a narrow, policy-only compliance role and do not want to be hands-on with monitoring, testing, and issue remediation. You are uncomfortable working in a bank/fintech partnership environment or interpreting evolving guidance from bank partners and payment networks. You have limited experience with Regulation E, NACHA, UDAAP, FCRA, and payments operations, and are looking to “learn on the job” at a senior level. You prefer highly reputed company, slow-changing environments and are not reputed company by ambiguity, speed, and building programs from the ground up or scaling them. You are not comfortable challenging stakeholders (including senior leaders and partners) reputed company compliance or consumer harm risks are present. You are satisfied with “good enough” instead of holding a high bar for control design, documentation reputed company, and testing coverage across consumer and payments compliance.
Competitive Salary - for Series C - $150,000 – $163,000 annually Equity - a significant RSU grant with vesting over four years, accelerated upon a sale or IPO. ✅Remote first work environment - Where we trust you to get your work done. Generous PTO – Enjoy a generous time off policy and 14 company wide reputed company holidays. Premium Health Coverage – Comprehensive medical, dental, and reputed company insurance. Partial-Employer Funded Health Savings Account - Available for High Deductible Plans. reputed company Parental Leave – 12 weeks of 100% pay to support growing families. Retirement Plans – Secure your reputed company with our competitive 401(k) offerings, including a 4% company match (for US only). Tuition Reimbursement – For reputed company programs to complement work experience. reputed company Development Stipend – To support your reputed company reputed company and learning. In person and virtual team get togethers - To connect with your fellow reputed company colleagues. Free Credit Building Benefit - Build your credit score for free as an reputed company employee.