Senior Compliance Advisory Manager (Lending)

Lending Club; San Francisco (CA); Hybrid; USD 150,000 - 210,000; Full time

Benefits offered by this job

Hybrid work model

Untracked vacation and generous PTO

Health/safety protocols and at-home测试

Maternity/paternity leave

Wellness programs and mental health

Office amenities

Job summary

Happen Bank seeks a Sr Compliance Advisory Manager – Lending to provide compliance oversight across Personal Lending products. The role drives risk assessment and policy development throughout the product lifecycle.

You will partner with business and risk leaders to strengthen the compliance framework, manage regulatory change, and deliver training and testing programs to ensure ongoing regulatory alignment.

Qualifications

• Bachelor’s degree or higher required; CRCM or similar certification preferred.
• Direct experience in lending compliance with consumer credit regulations (ECOA, UDAAP, TILA, FCRA, MLA/SCRA, TCPA, GLBA, EFTA, ESIGN).
• 6+ years in banking or financial services, focusing on compliance, risk management, or audit.
• Ability to navigate complex, ambiguous compliance issues with sound judgment.

Responsibilities

• Provide compliance advisory oversight across Personal Lending products throughout the product lifecycle.
• Develop and maintain lending compliance policies, standards, and procedures; translate requirements into actionable controls.
• Offer lending compliance guidance to business partners and operationalize requirements.
• Collaborate with Testing, Monitoring, and Regulatory Change teams to address gaps and actions.
• Prepare clear analyses and reporting on lending compliance risks and program effectiveness.
• Leverage AI to synthesize regulatory changes and strengthen risk communication.

Skills

Analytical thinking

Risk management

Lending compliance

Communication skills

AI tools

Time zone flexibility

Regulatory experience

Ownership mindset

Education

Bachelor’s degree or higher

CRCM certification

Job description

• Happen Bank’s Second Line Compliance Department is seeking a Sr Compliance Advisory Manager – Lending to provide compliance advisory oversight across Happen Bank’s Personal Lending products
• In this role, you’ll identify, assess, and manage compliance risk across the full product lifecycle, from applicant sourcing and underwriting through funding, servicing, and partner oversight
• You’ll partner closely with business and risk leaders to strengthen the Bank’s compliance risk management framework, including related policies, procedures, and controls, and help ensure our lending products remain compliant as products, business practices, and regulatory requirements evolve
• Assess regulatory risks and controls across lending products, identify gaps, and develop appropriate risk mitigation strategies
• Partner with senior management on strategic priorities, risk assessments, regulatory change, compliance monitoring and testing, training, issues management, consumer complaints, and third-party risk
• Develop and maintain lending compliance policies, standards, and other documented requirements, and partner with business leaders to translate those requirements into effective procedures, systems, and controls
• Provide lending compliance guidance to business partners, helping teams identify regulatory risk early and operationalize compliance requirements throughout the product lifecycle
• Partner with the Compliance Program Office to develop regulation-based and role-based training on applicable lending laws, regulations, and policy requirements
• Collaborate with Compliance Testing and Monitoring teams to develop strategies that assess compliance with legal and regulatory requirements, identify control gaps or defects, and support appropriate corrective action
• Track material lending compliance issues through timely resolution and partner with Regulatory Change Management to identify new or changing regulations and operationalize applicable requirements
• Prepare and deliver clear analysis and reporting on lending compliance risks, trends, issues, and program effectiveness to management and applicable oversight committees
• Use AI thoughtfully to synthesize regulatory change, identify patterns across compliance testing and other risk information, and strengthen how the team analyzes and communicates compliance risk

Benefits

• Untracked vacation for salaried employees, which means take it when you need it, and generous paid time off for hourly team members
• A hybrid work model that balances in-office and work from home
• Leading health and safety protocols related to COVID, including complimentary at-home testing kits from Cue Health for those coming to the office
• Up to 16 weeks paid leave for new parents, plus a fully paid, phased return-to-work policy for qualified leaves
• Mothers Rooms and hospital-grade pumps in every LC office
• Generous and varied mental health benefits
• Wellness program with cash incentives — earn up to $75 per month for being active
• Paid volunteer time and donation matching
• Onsite gym, locker room, bike room, and fitness classes (depending on location)
• Café with our own in-house barista
• Stocked pantries with healthy snacks and drinks
• Technology-forward and collaborative office spaces

• Bachelor’s degree or higher, or equivalent combination of education and experience
• Strong analytical and critical thinking skills with the ability to navigate complex, ambiguous compliance issues and apply sound judgment
• 6+ years of experience in banking or financial services, primarily within compliance, risk management, or audit
• Experience working in fast-paced, dynamic environments and delivering high-quality results across competing priorities, aggressive timelines, and evolving requirements
• Direct experience in lending compliance with a focus on consumer credit, including working knowledge of ECOA, UDAAP, TILA, FCRA, MLA/SCRA, TCPA, GLBA, EFTA, ESIGN, and applicable state laws
• You take ownership of your work, drive initiatives through resolution, and proactively communicate risks, progress, and issues along the way
• Strong communication and influencing skills with the ability to build effective partnerships and drive decisions across business and risk teams
• You have hands-on experience using AI tools to accelerate your work and improve output quality. You’re equally comfortable using them yourself and showing colleagues how, while staying thoughtful about data sensitivity, accuracy, limitations, and where human judgment matters most
• You adapt quickly to shifting priorities while maintaining strong attention to detail, quality, and regulatory requirements
• Time Zone Requirements: Local hours (PT, MT, ET)
• While the position will primarily work local hours, Happen Bank is headquartered in Pacific Time and our ideal candidate will be flexible working across time zones when necessary
• Travel Requirements: As needed travel to Happen Bank offices and/or other locations, as needed
• Experience supporting regulatory examinations and compliance audits, including developing, tracking, and executing corrective actions
• Certified Regulatory Compliance Manager (CRCM) or similar professional certification