Compliance Manager, Card

Leyla; United States; Remote; USD 128,000 - 188,000; Full time

Benefits offered by this job

100% covered health premiums

Monthly tech stipends

Generous holiday calendar

Employee stock purchase plan

Job summary

Affirm is seeking a Compliance Manager to own advisory for the Affirm card program, addressing marketing, onboarding, wallets, disputes, and servicing in partnership with Product, Engineering, and Operations. You will navigate EFTA, Reg Z/CARD Act, and UDAAP to ensure compliant, consumer-friendly experiences.

You will lead root-cause analysis, remediation, and regulatory readiness for exams and audits, while developing training and reference materials for ongoing compliance across card features.

Qualifications

• 8+ years of experience in a compliance advisory role within financial services with a Bachelor's degree (6+ years with a Master's degree, or 3+ years with a PhD, or equivalent)
• Deep working knowledge of EFTA (Reg E) and TILA (Reg Z)/CARD Act as applied to card products, plus familiarity with TISA (Reg DD) and UDAAP; hands-on experience with card network rules (Visa, Mastercard) is a plus
• Demonstrated ability to work independently in ambiguous, fast-paced environments and escalate only when needed
• Experience partnering with Product from early stages of a build in fast-paced environments
• Experience owning issues from root-cause to sustainable remediation
• Experience advising and building credibility with Product, Engineering, and Operations stakeholders
• Strong verbal and written communication ensuring complex regulatory issues are understood by non-compliance audiences
• Self-directed with strategic thinking and problem-solving; comfortable presenting to senior leadership
• Proactive in identifying problems and proposing practical solutions

Responsibilities

• Own end-to-end compliance advisory for the Affirm card program across marketing, onboarding, wallets, disputes, and servicing
• Navigate novel regulatory questions under EFTA, Reg Z/CARD Act, and UDAAP with sound judgment
• Review and approve card marketing, disclosures, and UX for regulatory compliance
• Lead root-cause analysis and remediation for card compliance issues to durable fixes
• Coordinate with compliance testing, legal, and risk for regulatory exams and audits
• Maintain the card program's compliance risk assessment and control inventory
• Develop and maintain card-specific training and reference materials
• Serve as the go-to compliance expert on new card features across the lifecycle

Skills

Reg E knowledge

TILA Reg Z

UDAAP

Card payments

Stakeholder collaboration

Regulatory communication

Education

Bachelor's degree

Job description

At Affirm, 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 affirm 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 affirm’s mission to deliver honest financial products.

About the role

Affirm is seeking a Compliance Manager to own compliance advisory for the affirm card program. You'll make independent, risk-based calls across card marketing, onboarding, disputes, and remediation, partnering with Product, Engineering, and Operations to ship card features that are compliant and built to last.

What you’ll do

• Own end-to-end compliance advisory for the affirm card program, including card marketing, checkout, onboarding, wallets (apple pay, google pay), disputes, and servicing, partnering directly with Product, Engineering, and Operations throughout the development lifecycle
• Bring an appetite for the unknown: much of what we build on Card is genuinely new and without precedent, and you take on that ambiguity rather than wait for a playbook
• Apply sound judgment under EFTA (Reg E), TILA (Reg Z)/CARD Act, UDAAP, to navigate novel regulatory questions, escalating only where it's genuinely warranted
• Review and approve affirm card marketing, disclosures, and UX to ensure compliance with regulatory requirements and consistency with consumer protection standards
• Lead root-cause analysis and remediation for card compliance issues (e.g., disputes, adverse action notices, declines) through to sustainable closure, prioritizing durable fixes over one-off patches so issues don't recur
• Partner with compliance testing, legal, and risk to prepare for and support regulatory exams and bank partner audits related to the card program
• Maintain and contribute to the card program's compliance risk assessment and control inventory, proactively identifying and closing coverage 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 rather than after launch

What we look for

• 8+ years of experience in a compliance advisory role within financial services with a Bachelor's degree (6+ years with a Master's degree, or 3+ years with a PhD, or equivalent), with meaningful experience on card, payments; compliance certifications a plus
• Deep working knowledge of EFTA (Reg E) and TILA (Reg Z)/CARD Act as applied to card products, plus familiarity with TISA (Reg DD) and UDAAP; hands-on experience with card network rules (e.g., Visa, Mastercard) is a big plus
• A demonstrated track record of operating independently in ambiguous, fast-paced environments, making sound, risk-based decisions with incomplete information and escalating only when it truly requires it
• Comfortable partnering closely with Product from the early stages of a build, whether a new product, feature, or servicing program, in fast-paced, ambiguous environments
• Experience owning issues from root-cause analysis through sustainable remediation, with a bias toward fixing the underlying control rather than the immediate symptom
• Experience advising and building credibility with Product, Engineering, and Operations stakeholders on a card, lending, or payments program
• Strong verbal and written communication skills, with the ability to clearly present complex, nuanced regulatory issues to non-compliance audiences
• Self-directed with strong strategic thinking and problem-solving skills; comfortable being the compliance voice in the room on card-specific questions, including presenting to senior leadership and leadership committees
• Inquisitive and proactive in identifying problems and proposing practical, business-aware solutions

Base Pay Grade - L

Equity Grade - 5

Employees new to affirm typically come in at the start of the pay range. affirm 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.)
CAN base pay per year: $128,000 - $188,000

Remote-first with flexibility built in affirm 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 affirm 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 affirm 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: affirm considers qualified applicants with arrest and conviction records, as required by law.