Senior Compliance Analyst

Earnest; United States; Remote; USD 86,000 - 120,000; Full time

Job summary

Join a forward-thinking company as a Senior Compliance Analyst, where you will be instrumental in ensuring regulatory compliance within the consumer lending industry. This role involves collaborating with various teams to drive alignment and transparency, leading compliance testing efforts, and proactively identifying risk areas. If you're passionate about making a difference and have a strong background in compliance and audit, this is a fantastic opportunity to contribute to a mission-driven organization that values your expertise and offers a supportive work environment.

Benefits

Health, Dental, & Vision benefits

Mac computers + work-from-home stipend

Monthly internet and phone reimbursement

Employee Stock Purchase Plan

401(k) plan with company match

Robust tuition reimbursement program

$1,000 travel perk on Earnie-versary

Competitive annual PTO

Competitive parental leave

Qualifications

• 3-4+ years in regulatory compliance within consumer lending.
• Ability to interpret complex regulatory requirements.

Responsibilities

• Serve as compliance partner across business units.
• Lead compliance testing and ensure controls are effective.
• Own audit readiness and guide teams through exams.

Skills

Regulatory Compliance

Audit

Operational Risk & Controls

Consumer Lending Laws

Communication Skills

Analytical Skills

Education

Bachelor's Degree

Job description

Join to apply for the Senior Compliance Analyst role at Earnest

Join to apply for the Senior Compliance Analyst role at Earnest

Our mission is to make higher education accessible and affordable for everyone. We empower students with financial support and supercharge their ability to pay down their debt, so they can get on the right financial track, fast.

We build tools that help people feel in control of their financial future, including

• Private student loans - low rates, people-first service, and flexible payments.
• Student loan refinancing - break free from high-interest rates or monthly payments.
• Scholarships - access to thousands of scholarships to help students pay less.
  
  

Earnies are committed to helping students live their best lives, free from the stress of student debt. If you’re as passionate as we are about our mission, read more below, and let’s build something great together!

The Senior Compliance Analyst position will report to the Compliance Manager.

As the Senior Compliance Analyst, you will

• Be the go-to compliance partner and serve as the key liaison between business units, audit teams, and second line of defense to drive alignment and transparency.
• Lead the charge on compliance testing by executing the First Line of Defense (FLOD) plan, ensuring our controls are not just in place—but effective.
• Proactively spot and solve risk areas through in-depth reviews and assessments of business processes that keep us one step ahead of compliance issues.
• Own audit readiness and guide teams through federal and state exams, internal audits, and testing processes with confidence and clarity.
• Turn insights into action by analyzing results, delivering impactful reports, and recommending smart, strategic fixes that improve performance.
• Shape the policies that shape our business – collaborate on the development and rollout of clear, effective compliance policies that stick.
  
  

About You

• 3–4+ years of experience in regulatory compliance, audit, or operational risk & controls within the consumer lending industry. In-depth knowledge of consumer lending laws and regulations.
• Proven ability to interpret and apply complex regulatory requirements to business operations.
• Excellent written and verbal communication skills.
• Self-motivated and capable of managing multiple priorities in a remote work environment.
  
  

Even Better

• Certifications in regulatory compliance, audit, or risk management disciplines are encouraged but not required.
• Prior experience working as a federal or state consumer financial regulator is a plus.
• 1-2 years of experience conducting compliance testing routines & supporting consumer financial services & products."
  
  

Where

• This role will be based in the US.
  
  

A little about our pay philosophy We take pride in compensating our employees fairly and equitably. We are showcasing a range of your potential base salary based on the roles location. The successful candidate’s starting pay will also be determined based on job-related qualifications, internal compensation, candidate location and budget. This range may be modified in the future.

Pay Range

$86,000—$120,000 USD

Earnest believes in enabling our employees to live their best lives. We offer a variety of perks and competitive benefits, including

• Health, Dental, & Vision benefits plus savings plans
• Mac computers + work-from-home stipend to set up your home office
• Monthly internet and phone reimbursement
• Employee Stock Purchase Plan
• Restricted Stock Units (RSUs)
• 401(k) plan to help you save for retirement plus a company match
• Robust tuition reimbursement program
• $1,000 travel perk on each Earnie-versary to anywhere in the world
• Competitive days of annual PTO
• Competitive parental leave
  
  

What makes an “Earnie” culture

• Drivers – Drivers are satisfied by making things happen, not coming along for the ride. They feel a strong sense of ownership for their projects and teams and demand high standards from themselves and others.
• Humility – Humble team players check their egos and consider the team’s needs above their own. They are self-aware of their strengths and opportunities for improvement.
• Growth Mindset – People with a growth mindset approach challenges and failures as learning opportunities. They seek feedback to improve, give feedback to others, and genuinely want to perform well.
  
  

At Earnest, we are committed to building an environment where our employees feel included, valued, and heard. Our belief is that a strong commitment to diversity, inclusion, equity, and belonging enables us to move forward with our mission. We are dedicated to adding new perspectives to the team and encourage anyone to apply if your experience is close to what we are looking for.

Earnest provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, veteran status, disability or genetics. Qualified applicants with criminal histories will be considered for the position in a manner consistent with the Fair Chance Ordinance.

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Legal

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