Director, Compliance Risk

Responsibilities

• Lead the design, enhancement, and ongoing execution of EnFin’s Compliance Management System (CMS), ensuring alignment with regulatory expectations (e.g., CFPB, state regulators, bank partners).
• Establish and maintain a risk-based compliance framework, including policies, standards, and procedures across all applicable jurisdictions.
• Serve as a senior escalation point for complex compliance issues, providing clear, actionable guidance to business stakeholders.
• Oversee enterprise-wide regulatory risk assessments, including inherent risk identification, control evaluation, and residual risk determination.
• Ensure risks are appropriately documented, tracked, and remediated through a centralized issues management framework.
• Partner with Legal and Regulatory Affairs to interpret new and emerging regulations and assess business impact.
• Own the governance and execution of the compliance issues management lifecycle, including identification, root cause analysis, remediation planning, validation, and closure.
• Deliver transparent reporting to executive leadership on issue status, trends, and emerging risks.
• Oversee the development and execution of a risk-based compliance monitoring and testing program.
• Ensure control design and effectiveness across key compliance domains (e.g., UDAAP, TILA/RESPA, privacy, servicing, marketing practices).
• Drive continuous improvement through data-driven insights, automation, and control optimization.
• Lead the policy governance framework, including policy development, review, approval, and dissemination.
• Ensure regulatory change management processes are effective, timely, and well-documented.
• Promote consistency and clarity across policies, procedures, and business practices.
• Provide compliance guidance on new product development, channel expansion, and strategic initiatives, ensuring regulatory requirements are embedded early in the design lifecycle.
• Partner with Product and Technology teams to implement scalable, tech-enabled compliance controls.
• Advise on risks associated with solar financing structures, leases, loans, and servicing models.
• Support oversight of bank partnership programs and third-party relationships, ensuring compliance with contractual, regulatory, and supervisory expectations.
• Contribute to due diligence, ongoing monitoring, and governance of service providers and strategic partners.
• Lead, mentor, and develop a high-performing compliance team, fostering a culture of accountability, collaboration, and continuous improvement.
• Set clear objectives, manage performance, and build bench strength to support organizational growth.
• Promote a strong compliance culture across the organization through training, communication, and engagement.
• Develop and deliver clear, concise reporting to senior management, risk committees, and other governance forums.
• Influence decision-making by providing risk-based insights and practical recommendations.
• Act as a key liaison with Internal Audit, external auditors, and regulatory examiners.

  Qualifications

  • Bachelor’s degree or equivalent work experience and a minimum of 12+ years of professional work experience including 10+ years of experience in consumer lending regulatory compliance, preferably within fintech and/or bank partnership models.
  • 5+ years of progressive leadership experience with direct people/team management.
  • Deep knowledge of U.S. consumer financial regulations (e.g., TILA, RESPA, ECOA, FCRA, UDAAP, state licensing requirements).
  • Demonstrated experience building or enhancing compliance programs in a high-growth, multi-state environment.
  • Excellent executive level verbal and written communication skills; strong interpersonal skills requiring sensitivity and discretion; capable of analyzing data; strong attention to detail; and the ability to exercise sound judgement.
  • Demonstrated track record of successfully working on multiple projects and activities at one time; must possess the ability to work effectively under pressure, meet strict deadlines, and complete assignments with little oversight.
  • Powerful analytical, problem-solving, risk assessment and critical thinking skills with excellent time management and prioritization; enjoy operating in a dynamic and fast-paced environment.
  • Proven ability to operate strategically while driving tactical execution.
  • Ability to manage multiple priorities in a fast-paced, evolving environment.
  • Willingness to travel up to 10%.