Product Compliance Lead & Advisory Testing — Equity Eligible

Nubank; Ohio; Hybrid; USD 140,000 - 190,000; Full time

Benefits offered by this job

Equity opportunities

Medical Insurance

Dental and Vision Insurance

Life Insurance

Maternity/Paternity leave

Learning platform

Language learning program

Mental health program

401K

Health Spending Account / FSA

Work-from-home Allowance

Relocation Assistance

Job summary

Nubank in Miami, Florida, seeks an experienced consumer compliance professional to lead product compliance advisory engagements and internal testing across Nu’s US consumer banking products, including deposits, credit cards, and personal loans.

Reporting to the US Head of Compliance, this manager-level individual contributor will independently assess complex regulatory questions, influence product and operational decisions, and lead reviews from planning through remediation validation.

Qualifications

• Substantial experience in US consumer compliance at a bank, financial institution, or fintech.
• Strong working knowledge of consumer protection requirements relevant to deposits and unsecured lending, including TILA/Reg Z, ECOA/Reg B, EFTA/Reg E, TISA/Reg DD, FCRA/Reg V, and UDAAP.
• Ability to research regulatory requirements and develop defensible recommendations.
• Hands-on experience designing and executing compliance reviews.
• Ability to analyze operational and customer data to identify exceptions.
• Strong writing and communication skills to explain complex requirements.
• Proven ability to own significant workstreams independently.

Responsibilities

• Serve as a primary compliance advisor to Product, Engineering, Operations, Marketing, and other teams throughout the product lifecycle.
• Interpret applicable federal and state consumer protection requirements and translate them into practical product requirements, controls, and business guidance.
• Review proposed products, features, customer journeys, disclosures, marketing materials, and operational processes to identify compliance risks and recommend workable solutions.
• Assess the compliance implications of product and process changes, documenting advice, material risks, and matters requiring escalation.
• Provide effective challenge to business decisions and control designs, working with stakeholders to resolve concerns and escalating material or unresolved risks.
• Evaluate relevant regulatory developments and enforcement trends and advise business partners on necessary changes.
• Develop and execute risk-based compliance testing and monitoring coverage, prioritizing products, processes, and controls based on regulatory obligations, customer impact, and emerging risks.
• Lead reviews from scoping through completion, including defining objectives, developing test procedures, selecting samples, evaluating evidence, and documenting conclusions.
• Assess whether controls are appropriately designed and operating effectively, including whether customer outcomes and business practices meet applicable requirements.
• Produce clear, well-supported findings and reports that explain the regulatory concern, supporting evidence, customer impact, and recommended corrective action.
• Establish and maintain monitoring indicators that help identify compliance weaknesses, recurring exceptions, and changes in risk.
• Evaluate remediation plans, track corrective actions, and validate that completed remediation addresses identified issues.
• Draft and update consumer compliance policies and standards, and advise business owners on related procedures.
• Contribute to compliance risk assessments and management reporting, communicating significant findings, trends, and unresolved exposures.
• Advise on issue assessment, root cause analysis, customer impact, and corrective action, with business owners accountable for implementing remediation.

Skills

US consumer compliance

Regulatory interpretation

Testing & monitoring

Policy development

Data analysis

Communication skills

Independent ownership

Job description

Nubank in Miami, Florida, seeks an experienced consumer compliance professional to lead product compliance advisory engagements and internal testing across Nu’s US consumer banking products, including deposits, credit cards, and personal loans.

Reporting to the US Head of Compliance, this manager-level individual contributor will independently assess complex regulatory questions, influence product and operational decisions, and lead reviews from planning through remediation validation.