Compliance Manager

About the Role

As our Compliance Manager, you’ll help drive Concora Credit’s mission to enable customers to Do More with Credit. You’ll support the card compliance program by ensuring compliance with applicable consumer lending laws and regulations. We hire people, not positions, and value innovation, impact, and a willingness to foster change.

Concora Credit is an established company with over 20 years of experience, grounded in entrepreneurship and committed to helping non-prime customers access credit responsibly.

Responsibilities

• Partner with multiple teams to drive compliance across credit card marketing, underwriting, product and account feature development, and account acquisition channels.
• Evaluate customer-facing digital products, marketing materials, and decisioning criteria to ensure alignment with applicable consumer laws and internal policies.
• Foster a culture of collaboration and accountability by breaking down complex requirements to help teams navigate regulatory considerations and support risk-based decision-making.
• Detect regulatory compliance issues and ensure they are properly documented and escalated.
• Partner with business line management to identify solutions and risk mitigation strategies.
• Maintain a strong working knowledge of applicable federal and state laws and regulations, including Fair Lending, Reg Z, Reg B, Reg E, BSA/AML, UDAAP, FCRA, TILA, ECOA, FDCPA, GLBA/Privacy, MLA, SCRA, and other relevant requirements.
• Monitor for relevant regulatory updates and compliance trends to identify potential upstream risks and issues; communicate opportunities to business line management to drive adjustments.

These duties must be performed with or without reasonable accommodation.

Requirements

• Bachelor’s degree or equivalent experience.
• 5+ years of compliance experience in the financial services industry, with a strong understanding of credit cards, payment, and consumer lending systems.
• CRCM certification, preferred.
• Experience interpreting and applying consumer compliance laws, rules, and regulations.
• Demonstrated track record of execution and results while managing multiple competing priorities.
• Ability to solve problems and make decisions by balancing compliance risk with business goals.
• Excellent written and oral communication skills.
• Ability to effectively interact with all levels of an organization.
• Excellent organizational and prioritization skills.

Key Success Factors

• Critical Thinking & Risk-Based Decision Making: Thorough understanding of the regulatory environment, applicable rules, and regulations. Understands the full impact of proposed solutions and implements what’s best for the company overall. Clearly communicates the difference between regulatory requirements, industry standards, and business risk decisions.
• Leadership & People Management: Leads by example and works collaboratively with colleagues in Compliance and across the company. Creates strong morale and spirit within the team, shares wins and successes, and provides timely, objective, and constructive feedback. Champions the development of diverse teams and leverages their strengths.
• Results Oriented & Accountability: Strong bias toward action. Owns successes and failures, and applies learning from both to future efforts. Proactively provides relevant compliance advice and guidance. Manages resources to balance quality, urgency, and execution.
• Communication Skills: Excellent professional writing skills. Communications are clear, concise, and tailored to the audience. Influences others without relying on direct authority.

Benefits

• Medical, Dental, and Vision insurance for you and your family.
• Paid Time Off (PTO) and 6 company-observed paid holidays, plus 3 paid floating holidays.
• 401k (after 90 days) with employer match up to 4%.
• Pet Insurance for your furry family members.
• Wellness perks including onsite fitness equipment, EAP, and access to the Headspace App.
• Tuition Reimbursement to invest in your future.
• Flexible Spending Accounts to save on taxes.
• Life and AD&D Insurance for peace of mind.
• Company-paid Long-Term Disability and voluntary Short-Term Disability.