Head of Compliance, Consumer Reporting Agency

SentiLink; San Francisco (CA); Hybrid; USD 170,000 - 190,000; Full time

Benefits offered by this job

Employer-paid group health insurance

401(k) with match

Flexible PTO

Regular company-wide in-person events

Home office stipend

Job summary

SentiLink is seeking a senior compliance leader to own the FCRA program and manage end-to-end dispute handling for financial consumers. You will build policies, engage with regulators, and partner with product and engineering to scale compliance tooling.

The role requires deep knowledge of consumer protection rules and the ability to operate effectively in a fast-growing, remote-friendly environment. The ideal candidate has 7+ years in consumer financial services compliance, strong writing

Qualifications

• 7+ years in consumer financial services compliance.
• Experience building a compliance program from scratch or rebuilding one.
• Direct experience operating a dispute and reinvestigation function.
• Strong writing to produce policies, procedures, and client diligence responses.
• Comfortable as a solo contributor in an early-stage environment.

Responsibilities

• Build and own the entity's FCRA compliance program from a blank page, including policies, procedures, training, monitoring, and testing.
• Run consumer relations end-to-end: dispute intake, reinvestigation within statutory timelines, file disclosures, identity theft blocks, and fraud alerts.
• Design and enforce permissible purpose controls, onboarding, certification, and recertification.
• Establish procedures to ensure maximum possible accuracy and monitor effectiveness.
• Partner with Engineering and Product to specify dispute and disclosure infrastructure as volume grows.
• Serve as the compliance point of contact for client third-party risk diligence and support regulator matters.
• Own consumer complaint handling across CFPB portal and state channels and feed learnings back into procedures.

Skills

FCRA experience

Policy writing

Dispute handling

Autonomy

Strong writing

Education

JD / professional certifications

Job description

SentiLink stops more than 150,000 fraud attempts and verifies more than 3 million identities every day to protect both institutions and consumers. The problems we work on are challenging, and solving them takes deep domain expertise, rigorous analysis, and a willingness to dig into the details.

At SentiLink, you'll work alongside smart, highly collaborative colleagues who respect each other's time and judgment, take ownership, and follow through on their commitments. Together, we do truly meaningful work protecting the identities of innocent consumers and flagging the fraudsters attempting to exploit them.

We're well capitalized and growing quickly. We already serve 13 of the top 15 U.S. banks, we're expanding into new markets, and we're backed by Craft Ventures, Andreessen Horowitz, NYCA, and Max Levchin. We've been named to the Forbes Fintech 50 and as a 2026 FICO Industry Vanguard Decision Award Winner. We were also the first company to go live with the electronic Consent Based Social Security Number Verification (eCBSV) service, and we've testified before the U.S. Congress on the future of identity.

We want SentiLink to be the best place you've ever worked. We offer generous benefits and support a range of working arrangements, from fully remote to in-office. We are a digital-first company with strong collaboration across the U.S. and India, and we meet in person regularly to build relationships. We have offices in Austin, San Francisco, New York City, Seattle (Bellevue), Los Angeles, and Chicago in the U.S., and in Gurugram (Delhi) and Bengaluru in India.

Responsibilities

• Build and own the entity's FCRA compliance program from a blank page including policies, procedures, training, monitoring, and periodic testing.
• Run consumer relations end-to-end: dispute intake, reinvestigation within the statutory timeline, file disclosure, identity theft blocks, and fraud alerts.
• Design and enforce permissible purpose controls, including user onboarding, certification, and recertification.
• Establish reasonable procedures to assure maximum possible accuracy, and the monitoring needed to demonstrate they work in practice.
• Partner with Engineering and Product to specify dispute and disclosure infrastructure, replacing manual process with tooling as volume grows.
• Serve as the compliance point of contact for client third-party risk diligence, and support regulator, state AG, and litigation matters alongside Legal.
• Own consumer complaint handling across the CFPB portal and state channels, and route what you learn back into procedure and product.

Requirements

• 7+ years in consumer financial services compliance, including hands-on FCRA experience at a consumer reporting agency.
• Demonstrated experience building a compliance program from scratch or materially rebuilding one.
• Direct experience operating a dispute and reinvestigation function, including turnaround management and furnisher interaction.
• Strong writing: able to produce policies, procedures, and client diligence responses that stand on their own without heavy legal editing.
• Comfortable as a function of one in an early-stage environment, including doing the operational work personally before there is a team or tooling.
• Candidated must be legally authorized to work in the United States and must live in the United States.
• Preferred: JD, CRCM, CIPP-US, or CAMS; experience at a nationwide specialty CRA; Metro 2 and e-OSCAR fluency; exposure to a CFPB examination, state AG inquiry, or FCRA litigation; background in identity, fraud, or alternative data.

Compensation

$170,000-$190,000/year + equity + benefits

Perks

• Employer paid group health insurance for you and your dependents
• 401(k) plan with employer match (or equivalent for non US-based roles)
• Flexible paid time off
• Regular company-wide in-person events
• Home office stipend, and more!

Corporate Values

• Follow Through
• Deep Understanding
• Whatever It Takes
• Do Something Smart