Compliance Lead, Product Advisory (Card & Deposits)

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest.

About the Legal, Compliance, and Public Affairs team

The Legal, Compliance, and Public Affairs team is a group of dedicated professionals committed to helping Affirm scale, innovate, and provide outstanding products for consumers, merchants, and key partners. We combine legal, compliance, and policy expertise to guide growth, shape products, and build trust across our ecosystem. Our work spans multiple professional disciplines and provides the foundation for Affirm’s mission to deliver honest financial products.

Affirm’s Compliance team designs and implements a compliance program that proactively addresses regulatory requirements while also identifying potential compliance issues that may arise. Compliance program activities include advisory, training, testing & monitoring, reporting, and oversight. Although a second line of defense, Compliance partners with the business to support new products, markets, and initiatives, as well as issue identification, remediation plans, and risk assessment. Compliance uses multiple data sources to enable informed decision-making, strengthen controls, and support better outcomes for consumers.

Affirm is seeking a Compliance Lead to join the Direct-to-Consumer Product Compliance team. This role is primarily focused on product advisory, with close partnership across Product, Engineering, and Operations teams throughout the development lifecycle. You will engage in the decision-making process, helping teams identify key risks, ask the right questions, and navigate complex and ambiguous scenarios. While regulatory requirements may be clearly defined, applying them in a product context often requires thoughtful interpretation. In this role, you will operate effectively in gray areas, balancing regulatory expectations with business and customer considerations, and providing guidance that is both compliant and practical. You will work with cross-functional partners to evaluate tradeoffs and develop flexible, well-reasoned solutions that enable progress while managing risk.

The Compliance Lead will play a key role in ensuring business partners adhere to applicable regulatory requirements and internal policies. You will collaborate closely with Legal and Compliance stakeholders to assess risk, interpret regulatory requirements, and guide teams toward effective and sustainable compliance outcomes. The ideal candidate brings a strong background in financial services compliance, a solid understanding of the fintech landscape, and demonstrated experience advising on consumer-facing products within complex regulatory environments.

What You’ll Do

• Collaborate with the Product teams to optimize Affirm's offerings by identifying and mitigating compliance risks without compromising business objectives.
• Review and approve financial services marketing materials to ensure they comply with regulations and industry standards.
• Partner cross-functionally with Compliance, Legal, Risk, and Product to complete reviews and address root causes of compliance issues.
• Develop and maintain compliance training and reference materials.
• Operate in a fast-paced environment while delivering detailed and diligent work.
• Support the completion of the compliance risk assessment and control inventory, including collecting and documenting results.
• Serve as an expert on regulatory compliance, especially as it applies to new and revised financial products and services.

What We Look For

• Bachelor’s degree or equivalent experience (compliance certifications a plus)
• 5+ years of experience in a compliance product advisory role within financial services
• Experience supporting or advising on products subject to TILA (Reg. Z) and/or EFTA (Reg. E) (e.g., credit cards, payments, or deposit-like products)
• Experience working in fast-paced, ambiguous environments and making risk-based decisions with incomplete information
• Experience advising revenue-generating stakeholder groups, ideally including Product and Engineering teams
• A strong interest in fintech and consumer financial protections
• Working knowledge of consumer financial laws and regulations, including UDAAP, CAN-SPAM, FCRA, TCPA, TILA (Reg. Z), ECOA (Reg. B), EFTA (Reg. E), and TISA (Reg. DD)
• Inquisitive and proactive in identifying problems, proposing creative solutions, and adapting in a fast-paced environment
• Ability to work in a self-directed environment with strong strategic thinking and problem-solving skills, and operate effectively with minimal guidance
• Strong verbal and written communication skills, with the ability to clearly present complex and nuanced issues

Pay Grade - J
Equity Grade - 5

Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills. 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 coverage, dental and vision for you and your dependents.)

USA base pay range (CA, WA, NY, NJ, CT) per year: $130,000 - $170,000
USA base pay range (all other U.S. states) per year: $115,000 - $155,000

Please note that visa sponsorship is not available for this position.

#LI-Remote

Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.

We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include:

• Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents
• Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses
• Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge
• ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount

We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.

[For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records.