Compliance Lead, Servicing Advisory

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.

We are seeking an experienced and detail-oriented Compliance Lead to join the Loss Mitigation and Furnishing Compliance team. As a Compliance Lead, you will be responsible for overseeing compliance with the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and managing issues related to regulatory compliance within the organization. Additionally, you will advise Affirm’s Servicing, Collections, and Repayments teams on compliance requirements. The ideal candidate will possess extensive knowledge of FCRA, FDCPA, and other servicing regulations, exceptional analytical skills, and a proven track record in developing and implementing effective compliance programs.

What You'll Do

Regulatory Compliance Advisory:

• Stay abreast of changes in servicing, collections, and repayments regulations and ensure organizational policies and procedures align with the latest requirements.
• Provide guidance to Affirm’s Servicing, Collections, and Repayments teams on compliance requirements related to product changes and new initiatives.

Issues Management:

• Identify, assess, and manage compliance-related issues within the organization.
• Collaborate with cross-functional teams to develop and implement corrective action plans in response to identified compliance issues.
• Serve as a subject matter expert on compliance matters, providing guidance and training to employees at all levels.

Policy Development and Enhancement:

• Develop and update compliance policies and procedures, ensuring alignment with regulatory requirements and best practices.
• Work closely within the CLO Org to interpret and integrate new laws and regulations into existing compliance programs.

Training and Education:

• Develop and deliver training programs on FCRA, FDCPA, and other relevant servicing, collections, and repayments regulations to ensure awareness and understanding across the organization.
• Provide ongoing education and communication to employees regarding changes in compliance requirements.

Monitoring and Reporting:

• Establish and maintain monitoring mechanisms to track compliance metrics and key performance indicators.
• Prepare and present regular reports to senior management, highlighting compliance status, identified issues, and remediation efforts.

What We Look For

• Bachelor's degree in business, law, finance, or a related field. Advanced degree or professional certification in compliance is a plus.
• Minimum of 4 years of relevant experience in compliance and issues management, with a focus on servicing operations compliance, including FCRA and FDCPA.
• In-depth knowledge of FCRA, FDCPA, and other servicing, collections, and repayments regulations, guidelines, and industry best practices.
• Working knowledge of applicable laws, regulations, and regulatory trends that impact Affirm’s business. Ability to research and investigate where knowledge is lacking, building subject matter expertise.
• Strong ability to build and manage relationships with stakeholders, coupled with excellent communication skills to clearly convey complex and sensitive issues.
• Excellent communication and interpersonal skills, with the ability to interact with individuals at all levels of the organization.
• Inquisitive and proactive in proposing creative and effective solutions and ability to learn and adapt in a fast-paced environment.
• Identifies situations, and where appropriate, can provide recommendations concerning methods, techniques and evaluation criteria for obtaining results. Bring well reasoned and informed recommendations forward on decisions to help drive business outcomes. Identifies solution/options/recommendations versus simply identifying a problem/decision point.
• Strong analytical and problem-solving skills, with the ability to assess complex compliance issues and develop effective solutions.

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 - $180,000
USA base pay range (all other U.S. states) per year: $115,000 - $165,000

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.