Sr. Compliance Associate (Hybrid)

Enova International, Inc.; Chicago (IL); Hybrid; USD 70,000 - 95,000; Full time

Benefits offered by this job

Health, dental, vision insurance

401(k) matching

PTO & paid holidays

Sabbatical program

Summer hours

Paid parental leave

DEI groups

Employee recognition and rewards

Charitable matching and volunteer day

Job summary

Enova International, Inc. is seeking a Sr. Compliance Associate in Chicago to support development and implementation of programs, policies, and practices ensuring regulatory compliance across business units.

You'll work with the Advisory team to track laws, respond to inquiries, and implement changes. The role requires strong writing and communication, ability to manage multiple deadlines, and comfort working in a hybrid in‑office schedule.

Qualifications

• Experience with federal/state consumer protection laws and regulations (UDAP/UDAAP, ECOA, FCRA, TILA, TCPA).
• Ability to research and respond to compliance questions and escalate when needed.
• Experience with third-party risk management, compliance testing, risk assessments, and audits.

Responsibilities

• Support compliance efforts across business units by maintaining knowledge of consumer protection laws and regulations.
• Research and assist in responding to compliance questions from business units and escalate complex matters.
• Support due diligence, third-party risk management, complaints, testing, risk assessments, and other initiatives as they arise.
• Identify compliance and operational risks and assist in root cause analysis and recommendations with Advisory team.
• Serve as a liaison between business units and Advisory team for audits, controls, and audit responses.
• Identify gaps in the program and help implement policy/process changes.

Skills

Regulatory compliance

Lending laws knowledge

Policy implementation

Training & monitoring

Communication skills

Microsoft Office

Google Docs/Sheets

AI tools awareness

Tools

Claude

Gemini

Job description

About the role:

Reporting to the Sr. Manager of Compliance, the Sr. Compliance Associate supports the development and implementation of programs, policies, and practices to help ensure that business units' activities follow regulatory requirements. This role assists in maintaining programs, policies, and practices related to regulatory compliance in support of broader compliance objectives. Helps track laws and regulations that might affect the organization's policies and supports the implementation of necessary changes, in consultation with the Advisory team members supporting Small Business (SMB) and Consumer lending businesses.

Responsibilities:

• Support compliance efforts across business units by gaining and maintaining working knowledge of federal and state consumer protection laws and regulations, particularly lending laws including but not limited to UDAP/UDAAP, ECOA, FCRA, TILA, TCPA.
• Research and support compliance team members in responding to compliance questions and requests from business units, escalating complex or ambiguous matters to senior Advisory team members.
• Support compliance diligence reviews and responsibilities related to third party risk management, customer complaints, compliance testing, compliance risk assessments, or other compliance related-initiatives as they arise.
• Help identify compliance and operational risks in the compliance system and business processes; assist in root cause analysis and in developing recommendations, in consultation with the senior Advisory team members.
• Act as a point of contact between business units and the Advisory team in supporting internal or external audit requests, the implementation of compliance controls arising from compliance audits, testing findings, and/or examination findings, and follow-up on actions or responses.
• Support efforts to identify gaps in the compliance program and participate in implementing changes to policies, processes, and procedures.

Requirements:

• Regulatory compliance experience in a lending industry is a plus (e.g., installment lending, bank, mortgage company, thrift or credit union, commercial or consumer lending, etc.)
• Strong exposure in the implementation, training and/or monitoring of business operations for compliance with laws and regulations and established policies, business rules and procedures
• Willingness to learn and assist with other compliance-related projects and initiatives
• Excellent writing and oral communication skills
• Strong organizational skills with the ability to manage multiple deadlines
• Can work independently or in a team
• Willingness to learn and assist with other compliance-related projects and initiatives
• Proficiency and self-sufficiency in Microsoft Office and Google applications (namely, Word Excel, Google Docs, Google Sheets). Experience with AI applications (Claude, Gemini, etc.) is a plus

Compensation:

The budgeted annual salary range for this position is $70,000 to $95,000. Actual annual salary will be determined based on qualifications, skills, experience, and level assessed during the hiring process and may fall outside of the range shown. Additional compensation for this role may include a bonus and restricted stock units. All full-time employees are eligible to participate in Company benefits, described in more detail here .

• Our hybrid roles require in-office work Tuesday through Thursday, with remote flexibility on Mondays and Fridays. This schedule fosters collaboration, team connection, and strategic planning, enhancing communication and effectiveness to drive results.
• Health, dental, and vision insurance including mental health benefits
• 401(k) matching plus a roth option (U.S. Based employees only)
• PTO & paid holidays off
• Sabbatical program (for eligible roles)
• Summer hours (for eligible roles)
• Paid parental leave
• DEI groups (B.L.A.C.K. @ Enova, HOLA @ Enova, Women @ Enova, Pride @ Enova, South Asians @ Enova, APEX @ Enova, and Parents @ Enova)
• Employee recognition and rewards program
• Charitable matching and a paid volunteer day…Plus so much more!

About Enova

Enova International is a leading financial technology company that provides online financial services through our AI and machine learning-powered Colossus™platform. We serve non-prime consumers and businesses alike, while offering world-class technology and services to traditional banks—in order to create accessible credit for millions.

Being a values-driven organization is at the core of Enova’s success. We live our values by listening to our customers, challenging assumptions, thinking big, setting high expectations, and hiring and developing the best. Through our values and our commitment to making Enova an awesome place to work, we maintain an environment of inclusion and culture where our employees can thrive. You can learn more about Enova’s values and culture here .

It is our policy to provide equal employment opportunity for all persons and not discriminate in employment decisions by placing the most qualified person in each job, without regard to any other classification protected by federal, state, or local law. California Applicants: Click here to review our California Privacy Policy for Job Applicants.

As set forth in Enova International’s Equal Employment Opportunity policy,we do not discriminate on the basis of any protected group status under any applicable law.