Card Compliance Lead — Remote & Impactful Risk Advisory

Affirm; Sioux Falls (SD); Remote; USD 146,000 - 206,000; Full time

Benefits offered by this job

100% health coverage

Tech stipends

Flexible time off

ESPP stock purchase

Job summary

AFFIRM is hiring a Compliance Manager to own compliance advisory for the AFFIRM Card program, partnering with Product, Engineering, and Operations to ship compliant features. The role addresses card marketing, onboarding, wallets, disputes, and servicing, with a focus on sustainable fixes and risk-based decisions.

You will guide regulatory interpretation (EFTA, TILA, CARD Act) and lead remediation, while developing training materials and preparing for exams and audits.

Qualifications

• 8+ years of experience in a compliance advisory role within financial services with card/payments focus.
• Deep knowledge of EFTA (Reg E) and TILA (Reg Z)/CARD Act; familiarity with Reg DD and UDAAP; hands-on with card network rules (Visa, Mastercard).
• Proven ability to operate independently in ambiguous, fast-paced environments, making risk-based decisions and escalating when needed.
• Experience advising and building credibility with Product, Engineering, and Operations on card, lending, or payments programs.

Responsibilities

• Own end-to-end compliance advisory for the AFFIRM Card program, including marketing, onboarding, wallets, disputes, and servicing.
• Lead root-cause analysis and remediation for card compliance issues to durable fixes.
• Collaborate with Compliance Testing, Legal, and Risk to prepare for regulatory exams and audits.
• Maintain and update the Card program's compliance risk assessment and control inventory.
• Develop and maintain compliance training and reference materials for Card requirements.

Skills

Compliance advisory

Card payments

Regulatory knowledge

Risk-based decisions

Cross-functional partnering

Communication skills

Independent work

Product/Engineering/Operations liaison

Regulatory exams readiness

Education

Bachelor's degree

Master's degree

PhD

Job description

AFFIRM is hiring a Compliance Manager to own compliance advisory for the AFFIRM Card program, partnering with Product, Engineering, and Operations to ship compliant features. The role addresses card marketing, onboarding, wallets, disputes, and servicing, with a focus on sustainable fixes and risk-based decisions.

You will guide regulatory interpretation (EFTA, TILA, CARD Act) and lead remediation, while developing training materials and preparing for exams and audits.