Compliance Manager, Card

About the role

The Legal, Compliance, and Public Affairs team combines legal, compliance, and policy expertise to guide Affirm’s growth, shape products, and build trust across the ecosystem. As Compliance Manager for the Affirm Card program, you will own end‑to‑end compliance advisory — covering card marketing, checkout, onboarding, wallets (Apple Pay, Google Pay), disputes, and servicing — partnering directly with Product, Engineering, and Operations throughout the development lifecycle. The role demands comfort with genuine novelty: much of what we build on Card has no precedent, and you will make independent, risk‑based calls under EFTA (Reg E), TILA (Reg Z)/CARD Act, and UDAAP, escalating only when truly warranted.

Responsibilities

• Own compliance advisory for the Affirm Card program across marketing, checkout, onboarding, wallets, disputes, and servicing, partnering with Product, Engineering, and Operations from ideation through launch.
• Apply sound judgment under EFTA (Reg E), TILA (Reg Z)/CARD Act, and UDAAP to navigate novel regulatory questions, escalating only where genuinely warranted.
• Review and approve Affirm Card marketing, disclosures, and UX for regulatory compliance and consumer‑protection consistency.
• Lead root‑cause analysis and sustainable remediation for Card compliance issues (disputes, adverse action notices, declines), prioritizing durable fixes over one‑off patches.
• Partner with Compliance Testing, Legal, and Risk to prepare for and support regulatory exams and bank‑partner audits related to the Card program.
• Maintain and contribute to the Card program’s compliance risk assessment and control inventory, proactively identifying and closing coverage gaps.
• Develop and maintain compliance training and reference materials specific to Card regulatory requirements.
• Serve as the go‑to compliance expert on new and evolving Card features, surfacing risk early in the product lifecycle.

Requirements

• 8+ years in a compliance advisory role within financial services (6+ years with a Master’s, 3+ years with a PhD, or equivalent), with meaningful experience on card or payments products; compliance certifications a plus.
• Deep working knowledge of EFTA (Reg E) and TILA (Reg Z)/CARD Act as applied to card products, plus familiarity with TISA (Reg DD) and UDAAP; hands‑on experience with card network rules (Visa, Mastercard) strongly preferred.
• Proven ability to operate independently in ambiguous, fast‑paced environments, making sound risk‑based decisions with incomplete information and escalating only when necessary.
• Comfort partnering with Product from the earliest stages of a build — new product, feature, or servicing program — in fast‑paced, ambiguous settings.
• Track record of owning issues from root‑cause analysis through sustainable remediation, with a bias toward fixing underlying controls rather than symptoms.
• Experience advising and building credibility with Product, Engineering, and Operations stakeholders on a card, lending, or payments program.
• Strong verbal and written communication skills; ability to present complex, nuanced regulatory issues to non‑compliance audiences, including senior leadership and leadership committees.
• Self‑directed with strong strategic thinking and problem‑solving skills; comfortable being the compliance voice in the room on card‑specific questions.
• Inquisitive and proactive in identifying problems and proposing practical, business‑aware solutions.

Pay

Base Pay Grade: L | Equity Grade: 6. Employees new to Affirm typically start at the beginning of the pay range. Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness, and tech spending, and benefits (including 100% subsidized medical, dental, and vision coverage for you and your dependents).

• USA base pay range (CA, WA, NY, NJ, CT): $165,000 – $225,000 per year
• USA base pay range (all other U.S. states): $146,000 – $206,000 per year

Visa sponsorship is not available for this position.

Schedule

Remote‑first with flexibility built in. Most roles can be performed from almost anywhere within the country of employment. Some positions may occasionally require in‑person work at an Affirm office; a few are office‑based due to the nature of the work. All new hires are invited to attend an in‑person onboarding experience.

Benefits

• Health coverage at no cost: 100% of premiums covered for employees and their dependents.
• Monthly spending stipends for tech setup and health/wellness options of your choice.
• Flexible time off and generous holiday calendars.
• Employee Stock Purchase Plan (ESPP) to buy Affirm stock at a discount.