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Salary: USD 146,000 - 225,000 / annual
Affirm is seeking a Compliance Manager to own end-to-end compliance advisory for the Affirm Card program. In this role, you will serve as the primary compliance expert for card marketing, checkout, onboarding, wallet integrations (Apple Pay, Google Pay), disputes, and servicing. You will partner directly with Product, Engineering, and Operations teams throughout the development lifecycle to ensure card features are compliant and built to last.
Key responsibilities include:
- Own compliance advisory across the full card product lifecycle, from early-stage development through launch and ongoing operations
- Make independent, risk-based compliance decisions on novel card features and programs where regulatory precedent may not exist
- Apply deep knowledge of EFTA (Reg E), TILA (Reg Z)/CARD Act, and UDAAP to navigate complex regulatory questions
- Review and approve card marketing materials, disclosures, and user experience to ensure regulatory compliance and alignment with consumer protection standards
- Lead root-cause analysis and remediation for card compliance issues (disputes, adverse action notices, declines), driving sustainable fixes rather than one-off patches
- Partner with Compliance Testing, Legal, and Risk teams to prepare for regulatory exams and bank partner audits
- Maintain and enhance the Card program's compliance risk assessment and control inventory, proactively identifying and closing 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
- Present complex regulatory issues clearly to non-compliance audiences, including senior leadership and governance committees
This is a high-impact role for someone who thrives in ambiguous, fast-paced environments and can operate independently while building strong cross-functional partnerships. You will be instrumental in scaling Affirm's card program while maintaining the highest compliance standards.
REQUIREMENTS:
- 8+ years of compliance advisory experience in financial services with a Bachelor's degree (or 6+ years with a Master's degree, or 3+ years with a PhD, or equivalent)
- Meaningful experience with card and payments products
- Deep working knowledge of EFTA (Reg E) and TILA (Reg Z)/CARD Act as applied to card products
- Familiarity with TISA (Reg DD) and UDAAP
- Hands-on experience with card network rules (Visa, Mastercard) is a strong plus
- Compliance certifications are a plus
- Demonstrated track record of operating independently in ambiguous, fast-paced environments, making sound risk-based decisions with incomplete information
- Experience owning issues from root-cause analysis through sustainable remediation
- Experience advising Product, Engineering, and Operations stakeholders on card, lending, or payments programs
- Strong verbal and written communication skills
- Self-directed with strategic thinking and problem-solving abilities
- Inquisitive and proactive in identifying problems and proposing practical solutions
- Visa sponsorship is not available for this position
