Associate Director, Product Compliance

About the role

Flex is building a next-generation compliance function where AI-enabled systems and human expertise work together to scale regulatory oversight without slowing product innovation. As Associate Director, Product Compliance, you will be a senior individual contributor on the Product Compliance team, reporting to the Head of Product Compliance and partnering closely with Product, Engineering, Legal, Risk, Marketing, and bank partners to enable compliant innovation across Flex’s lending and payments ecosystem. This is a hands-on execution role, not a people leadership role. You will not run the team, manage staff, or own the function’s strategy; the Head of Product Compliance owns those. You will carry the most complex advisory work yourself and make the function faster by running and improving AI-enabled review workflows, clear standards, and disciplined documentation rather than by adding headcount.

Responsibilities

• Own individual advisory reviews end to end for product launches, product changes, marketing initiatives, and emerging regulatory issues, ensuring decisions are well documented and defensible.
• Apply consumer protection regulations (lending, payments, fintech) to product design, disclosures, fee structures, and customer journeys.
• Deliver fast, precise regulatory interpretation that is well documented and defensible.
• Execute risk-tiered review processes and maintain standards libraries, templates, and precedent for fast, consistent, reusable reviews.
• Operate and improve AI-enabled review workflows, automated monitoring, and compliance tooling (including marketing compliance review, regulatory change monitoring, product risk assessment) based on daily use.
• Conduct product risk assessments ahead of launch, identify gaps, and drive resolution with product and engineering owners.
• Partner with product and operations teams to investigate compliance issues, drive root-cause remediation, and strengthen preventative controls.
• Coordinate day-to-day with bank partners on product and marketing approvals, producing documentation that withstands examiner and partner scrutiny.
• Raise the quality and turnaround bar by example: set precedent others reuse and mentor junior team members informally.

Key Qualifications

• 8+ years of experience in product compliance, compliance advisory, or regulatory risk roles within fintech, consumer lending, payments, banking, or financial services.
• Hands-on operator with high personal throughput: you own complex reviews yourself, document precisely, and are comfortable being accountable for outcomes without a team.
• Deep working knowledge of consumer protection regulations for lending and payments, with a demonstrated ability to translate requirements into product guardrails that hold up under scrutiny.
• Effective partner to product and engineering teams during development; you influence decisions through clarity and credibility rather than authority.
• AI & Compliance Modernization Experience: daily user of AI tools in your own work, with experience operating or implementing AI-enabled compliance tooling, automation, or agent-based workflows within compliance, risk, or product governance functions.
• Familiarity with using technology to improve the speed, quality, and scalability of compliance review processes.
• Ability to translate regulatory requirements into technology-driven review processes that integrate into product and operational workflows.

Pay

Flex takes a market-based approach to pay. For candidates located in Tier 1 (NYC/Bay Area) markets, the base salary range is $176,000—$220,000 USD. For Tier 3 (Salt Lake City) markets, the range is $149,600—$187,000 USD. Geographic pay differentials apply based on a