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Salary: USD 162,500 - 195,000 / annual
Possible Finance is a Public Benefit Corporation on a mission to end the debt cycle and unlock economic mobility. The company has delivered over $1 billion in funding to more than 1 million customers and saved them over $500 million through affordable credit products designed to improve financial health rather than profit from debt.
As Senior Manager, Compliance, you will be a strategic leader within the Legal & Compliance team, reporting to the General Counsel. You will own key aspects of the Compliance Management Program and operate independently in ambiguous regulatory environments, translating complex regulatory judgment calls into practical, risk-based guidance for the business.
Key responsibilities include:
- Designing, implementing, and evolving the Compliance Management Program for Possible Finance's products and services
- Partnering with the legal team to assess regulatory risk for new products, business model changes, and market expansion before launch
- Owning customer complaint resolution and leading the issues management process
- Leading compliance risk assessments to identify, measure, and evaluate risks; reporting on control effectiveness to senior leadership
- Leading and executing monitoring, testing, and reporting initiatives to detect and remediate compliance gaps
- Managing the compliance component of third-party and vendor risk management
- Reviewing marketing and advertising materials for regulatory compliance (UDAAP, Reg Z, Fair Lending)
- Advising leadership on regulatory changes, risk assessments, training, and consumer complaints
- Hiring, developing, and scaling a team of compliance professionals
- Serving as subject matter expert on federal and state consumer financial regulations
- Identifying opportunities for AI and workflow automation to improve efficiency
This is a hybrid role based in downtown Seattle, with office presence three days per week (Monday, Tuesday, Thursday).
QUALIFICATIONS & REQUIREMENTS:
- 12+ years of progressive regulatory compliance experience, including at least 3-4 years in a senior or leadership capacity, preferably in banking, consumer finance, or fintech
- Bachelor's degree required; advanced degree preferred
- Certified Regulatory Compliance Manager (CRCM) certification preferred
- Demonstrated experience owning key aspects of a Compliance Management Program end-to-end, including risk assessment, monitoring/testing, training, and issue/complaint management
- Experience with bank partnership/exportation lending models, including familiarity with preemption and true lender risk considerations strongly preferred
- Knowledge of federal and state consumer protection laws: ECOA, TILA, FCRA, FDCPA, EFTA, ESIGN, SCRA/MLA, GLBA, UDAAP, Fair Lending, and BSA/AML/OFAC
- Track record of engaging directly with regulators and/or bank partners during exams or audits preferred
- Experience with consumer lending, credit products, and/or payment operations
- Experience with third-party/vendor risk management, including due diligence and ongoing oversight
- Ability to operate at both strategic level (setting program direction) and operational level (day-to-day execution)
- Demonstrated ability to make sound, risk-based judgment calls in ambiguous regulatory areas with limited guidance
- Strong verbal and written communication skills; ability to translate complex regulations into actionable guidance
- Experience building, developing, and scaling a compliance team
- Demonstrated ability to collaborate cross-functionally and influence business strategy
- Uses AI tools in own work with clear perspective on where automated output needs human review before becoming a control
