Compliance Manager

About the role

Collaborative, cross-functional partner who can balance innovation, customer experience, and regulatory risk management in a fast-paced fintech environment.

Responsibilities

• Provide day-to-day compliance guidance related to BNPL, consumer lending, payments, marketing, servicing, and customer experience initiatives
• Partner with Legal, Product, Risk, Operations, Commercial, and Finance teams to evaluate regulatory requirements and support compliant product launches and enhancements
• Collaborate with bank partners to support regulatory compliance, align on risk and control expectations, and ensure adherence to applicable consumer financial laws and program requirements
• Support the development, implementation, and ongoing enhancement of Zip’s US compliance management system (CMS)
• Conduct compliance reviews of marketing materials, disclosures, customer communications, policies, procedures, and operational processes
• Monitor regulatory developments and assess the impact of new or evolving laws, regulations, and regulatory guidance across the business
• Support, as needed, SEC and public company compliance-related activities, including governance, disclosures, controls, and regulatory obligations as applicable
• Assist with compliance monitoring, testing, issue remediation tracking, and reporting activities across the organization
• Prepare compliance reporting, audit support materials, regulatory examination responses, and internal review documentation
• Partner cross-functionally to identify compliance risks and drive practical, scalable solutions that support innovation and strong customer outcomes
• Leverage AI-enabled tools and emerging technologies to improve compliance workflows, regulatory analysis, monitoring efficiency, and operational effectiveness while maintaining appropriate governance and risk controls

Requirements

• 5+ years of compliance experience within fintech, consumer financial services, banking, payments, lending, or BNPL environments
• Strong working knowledge of US consumer financial services regulations and compliance frameworks, including UDAAP, TILA, ECOA, FCRA, FDCPA, EFTA, and related state regulatory requirements
• Experience supporting or partnering on SEC compliance, public company governance, disclosure obligations, or related regulatory matters
• Demonstrated ability to operate strategically and tactically within fast-paced and evolving business environments
• Experience building, improving, or supporting compliance management systems, monitoring programs, testing programs, or issue management processes
• Strong judgment and ability to provide practical, business-oriented compliance guidance while balancing risk and customer experience considerations
• Experience partnering cross-functionally with Product, Legal, Risk, Operations, Finance, Commercial, and business stakeholders
• Ability to independently manage multiple priorities and execute detailed compliance work with a high degree of ownership and accountability
• Familiarity with AI-enabled compliance tools, automation technologies, or emerging AI-related regulatory considerations, including the ability to evaluate operational and compliance risks associated with AI usage

Qualifications

• Bachelor’s degree required; JD or relevant compliance certifications preferred

Skills

• Strong regulatory judgment
• Effective communication and collaboration skills
• Strategic thinking and problem-solving abilities
• Attention to detail and accuracy
• Ability to work in a fast-paced, dynamic environment
• Experience with regulatory compliance software and tools
• Knowledge of emerging technologies and their potential impact on compliance

Benefits

• Flexible working culture
• Incentive programs
• Unlimited PTO
• Generous paid parental leave
• Leading family support policies
• Company-sponsored 401k match
• Learning and wellness subscription stipend
• Beautiful Union Square office with a casual dress code
• Industry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices available

Pay

The annual base Pay Range for this position is $92,000 - $125,000. This range reflects our US national compensation band (USN). Additional premium percentages may apply based on our tiered premium strategy.

Schedule

Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office.