Compliance Lead

Enova; United States; Hybrid; USD 120,000 - 180,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

Sabbatical program

PTO & holidays

Paid parental leave

Summer hours

DEI groups

Recognition program

Charitable matching

Volunteer day

401(k) with Roth option

Job summary

Enova is seeking a Compliance Lead to coordinate risk frameworks and testing across the Compliance Risk & Assurance function. You will collaborate with Legal, Compliance Risk, and business units to implement AI-assisted compliance programs and robust monitoring.

The role emphasizes adaptability, validation of corrective actions, and clear communication with senior stakeholders as regulatory expectations and product strategies evolve.

Qualifications

• Responsibilities span across Enova's Compliance Risk & Assurance function with adaptable priorities.
• Build risk frameworks, support risk assessments, and design and execute large-scale compliance tests.
• Validate corrective actions for completeness, root cause, and sustainability.
• Partner with Compliance Risk, Compliance Advisory, Legal, and business units on risk frameworks for emerging products and services.
• Design and execute compliance risk assessment activity, including refreshes of existing assessments.
• Support Compliance Testing in designing, building, executing, and validating large-scale tests.
• Perform independent validation of corrective actions to ensure effectiveness.
• Support compliance reporting and data intelligence, including KRI monitoring.
• Use Claude and other AI tools daily, reviewing AI output for accuracy and data handling.

Responsibilities

• Lead across Enova's Compliance Risk & Assurance function with adaptable priorities.
• Build risk frameworks, support risk assessments, design and execute large-scale compliance tests.
• Validate corrective actions for completeness, root cause, and sustainability.
• Partner with Compliance Risk, Compliance Advisory, Legal, and business units to create and maintain risk frameworks for new products and features.
• Design and execute compliance risk assessments, including periodic refreshes.
• Support Compliance Testing in designing, building, executing, and validating large-scale tests.
• Independently validate corrective actions to confirm effectiveness and sustainability.
• Support compliance reporting and data intelligence, including KRI monitoring and analysis.
• Apply Claude and AI tools daily, reviewing outputs for accuracy and data handling.

Job description

Responsibilities

• As a Compliance Lead, you will support several teams across Enova's Compliance Risk & Assurance function. Priorities will shift between areas, so this role suits someone who enjoys variety and adapts quickly
• The work includes building risk frameworks, supporting risk assessments, designing and executing large-scale compliance tests, and validating that compliance-related corrective actions are complete and effective
• AI tools such as Claude are central to how this team works. You should be fluent with AI tools and able to apply them to compliance work with sound judgment about accuracy and data handling
• Partner with Compliance Risk, Compliance Advisory, Legal, and Enova's business units to design, document, and maintain risk frameworks for emerging products, services, and features, including risk taxonomies, key risk indicators (KRIs), monitoring, and reporting
• Support the design and execution of compliance risk assessment activity, including periodic refreshes of existing assessments
• Support Compliance Testing in designing, building, executing, and validating large-scale tests
• Perform independent validation of compliance-related corrective actions to confirm that they are complete, address root cause, and are sustainable
• Support compliance reporting and data intelligence, including KRI monitoring and analysis
• Use Claude and other AI tools in daily work, including risk framework development, risk monitoring, test design and execution, research, and documentation. Review AI output for accuracy and completeness

Benefits

• Our hybrid roles require in-office work Tuesday through Thursday, with remote flexibility on Mondays and Fridays. This schedule fosters collaboration, team connection, and strategic planning, enhancing communication and effectiveness to drive results
• Health, dental, and vision insurance including mental health benefits
• Sabbatical program (for eligible roles)
• PTO & paid holidays off
• Paid parental leave
• Summer hours (for eligible roles)
• DEI groups (B.L.A.C.K. @ Enova, HOLA @ Enova, Women @ Enova, Pride @ Enova, South Asians @ Enova, APEX @ Enova, and Parents @ Enova)
• Employee recognition and rewards program
• Charitable matching and a paid volunteer day…Plus so much more!
• 401(k) matching plus a roth option

Experience with U.S. consumer and small business financial services, particularly consumer protection or regulatory compliance, is highly desirable. Relevant laws and standards include TILA, ECOA, FCRA, FDCPA, EFTA, MLA, SCRA, and UDAAP/UDAP Ability to structure ambiguous problems and produce well-documented, defensible workHands-on experience in at least two of these areas: risk framework design, compliance or control testing, corrective action validation, and enterprise or compliance risk assessmentsExperience adjusting approach and methods as regulatory expectations, business priorities, and AI capabilities changeExperience building tools or automation, for example with SQL, Ruby, Python, or low-code platforms, is a plusStrong organizational skills and the ability to move between teams and priorities as needs change while keeping quality and deadlinesDemonstrated use of generative AI tools, such as Claude, to produce tests, risk assessments, analysis, or reporting, with critical review of AI output and awareness of data handling limits5+ years of experience in compliance, risk management, compliance testing, internal audit, or a related assurance disciplineStrong written and verbal communication skills, including explaining conclusions to senior stakeholders