Compliance Lead, Testing

Affirm; Houston (TX); Remote; USD 115,000 - 180,000; Full time

Benefits offered by this job

Health coverage for employees and_de­p

Tech setup stipends

Flexible time off

Employee stock purchase plan (ESPP)

Job summary

Affim is seeking a Compliance Lead to drive our Compliance Testing Program, ensuring adherence to federal and state regulations. You will collaborate with Legal, Operations, Product and Engineering to resolve issues and enhance the program, reporting to the Senior Compliance Manager. Visa sponsorship is not available.

The role emphasizes independent, cross-functional work in a remote-first environment with strong emphasis on testing, risk assessment, and continual improvement of controls.

Qualifications

• 5+ years of experience in Compliance Testing or Audit.
• Knowledge of applicable laws, regulations and regulatory trends.
• Experience in end-to-end compliance testing.
• Strong communication and relationship management skills.
• Detail oriented, thorough and well organized.

Responsibilities

• Perform ongoing compliance testing and reporting on adherence to program and regulatory requirements.
• Collaborate with Compliance, Legal, Risk, Product and others during reviews.
• Support fast-paced business with rigorous, precise work.
• Identify process improvements to strengthen internal controls.
• Coordinate risk assessment and control inventory documentation.
• Serve as expert on regulatory compliance for products and services.
• Continuously improve testing program processes.

Skills

Compliance testing

Audit

Regulatory knowledge

Communication

Project management

Analytical skills

Attention to detail

Tech proficiency

Job description

At Affim, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most.

About The Legal, Compliance, And Public Affairs Team

The Legal, Compliance, and Public Affairs team is a group of dedicated professionals committed to helping Affim 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 Affim’s mission to deliver honest financial products.

About The Role

Affirm’s Compliance team implements a compliance program that enables Affim to proactively adhere to regulatory requirements while also identifying and addressing potential regulatory issues that may arise. As a second line of defense, Compliance proactively partners with the business to support new products, markets, initiatives, change management, issue identification and remediation plans, and assessment/monitoring of third parties. Affim is actively seeking a Compliance Lead to support certain critical compliance management program elements. In this role, the Compliance Lead will help to administer Compliance’s Testing Program. This includes completing reviews to ensure compliance with federal/state regulations, identifying gaps and deficiencies with regulatory compliance concerns, collaborate with cross functional partners including Legal, Operations, Product, Engineering and senior management to resolve identified issues and further build out our compliance program. This role will report to the Senior Compliance Manager and will be required to work independently and cross-functionally.

What You’ll Do

• Perform ongoing compliance testing and reporting on adherence to compliance program and federal/state regulatory requirements.
• Work closely and cross-functionally with multiple departments (Compliance, Legal, Risk, Product, etc.) while completing reviews.
• Support a very fast paced business with tight deadlines while providing diligent and detailed work product.
• Collaborate with management to identify improvements to current processes or propose new processes to strengthen internal controls.
• Coordinate the execution of the compliance risk assessment and control inventory, including collecting and documenting results.
• Serve as an expert in the area of regulatory compliance and how it applies to new and/or revised products and services.
• Continuously improve internal compliance processes relating to the Compliance Testing Program.

What We Look For

• 5+ years of professional work experience in Compliance Testing, or Audit.
• Knowledge of applicable laws, regulations, financial services, and regulatory trends that impact Affim’s business.
• Experience in completing end-to-end compliance testing activities.
• Strong communication and relationship management skills.
• Inquisitive and proactive in proposing creative and effective solutions and ability to learn and adapt in a fast-paced environment.
• Strong project management, critical thinking and analytical skills.
• Excellent verbal and written communication skills with the ability to clearly present complex and sensitive issues.
• Proficient computer navigation skills using a variety of software packages, including Google docs, word processing, spreadsheets, and presentations.
• Must be detail oriented, thorough, and well organized.

Base Pay Grade - J

Equity Grade - 5

Employees new to Affim typically come in at the start of the pay range. Affim 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.

Remote-first with flexibility built in

Affim is proud to be a remote-first company. Most roles can be done from almost anywhere within the country of employment. Some positions may occasionally require in-person work at an Affim office, and a few are office-based due to the nature of the work. All new hires will be invited to attend an in-person onboarding experience.

Benefits Designed For You

Our benefits reflect our commitment to care, transparency, and flexibility. Here are a few highlights:

• Health coverage at no cost: We cover 100% of premiums for employees and their dependents.
• Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you.
• Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to.
• Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affim stock at a discount.

We’re committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we’re happy to help.

For positions based in San Francisco or Los Angeles: Affim considers qualified applicants with arrest and conviction records, as required by law.