Compliance Lead, Servicing Advisory

About the role

The Legal, Compliance, and Public Affairs team at Affirm is a group of professionals dedicated to guiding growth, shaping products, and building trust across the company's ecosystem. They combine legal, compliance, and policy expertise to support Affirm's mission to deliver honest financial products.

Responsibilities

• Regulatory Compliance Advisory: Stay up-to-date with servicing, collections, and repayments regulations and ensure organizational policies align with these 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: Provide guidance and training on compliance matters, ensuring awareness and understanding across the organization.
• Policy Development & Enhancement: Develop and update compliance policies and procedures, ensuring alignment with regulatory requirements and best practices. Work closely within the CLO Org to interpret and integrate new laws and regulations into existing compliance programs.
• Training & Education: Develop and deliver training programs on FCRA, FDCPA, 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.
• Misson: 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.

Requirements

• Bachelor's degree in business, law, finance, or a related field. Advanced degree or professional certification in compliance is a plus.
• Minimum of 4 years of relevant experience in compliance and issues management, with a focus on servicing operations compliance, including FCRA and FDCPA.
• In-depth knowledge of FCRA, FDCPA, and other servicing, collections, and repayments regulations, guidelines, and industry best practices.
• Working knowledge of applicable laws, regulations, and regulatory trends that impact Affirm's business.
• Ability to research and investigate where knowledge is lacking, building subject matter expertise.
• Strong ability to build and manage relationships with stakeholders, coupled with excellent communication skills to clearly convey complex and sensitive issues.
• Excellent communication and interpersonal skills, with the ability to interact with individuals at all levels of the organization.
• Inquisitive and proactive in proposing creative and effective solutions and ability to learn and adapt in a fast-paced environment.
• Strong analytical and problem-solving skills, with the ability to assess complex compliance issues and develop effective solutions.

Qualifications

• Experience in compliance and issues management, with a focus on servicing operations compliance, including FCRA and FDCPA.
• Advanced degree or professional certification in compliance is a plus.
• Knowledge of FCRA, FDCPA, and other servicing, collections, and repayments regulations, guidelines, and industry best practices.
• Ability to research and investigate where knowledge is lacking, building subject matter expertise.
• Strong ability to build and manage relationships with stakeholders, coupled with excellent communication skills to clearly convey complex and sensitive issues.
• Inquisitive and proactive in proposing creative and effective solutions and ability to learn and adapt in a fast-paced environment.
• Strong analytical and problem-solving skills, with the ability to assess complex compliance issues and develop effective solutions.

Skills

• Compliance and issues management experience.
• Understanding of FCRA, FDCPA, and other servicing, collections, and repayments regulations.
• Ability to stay updated with regulatory changes and ensure compliance.
• Excellent communication and interpersonal skills.
• Strong analytical and problem-solving skills.

Benefits

At Affirm, we offer a comprehensive benefits package that includes:

• Health care coverage
• Flexible Spending Wallets
• Competitive vacation and holiday schedules
• Employee Stock Purchase Plan (ESPP)