Head of Risk and Compliance

Join Collectors, a high-growth company in the financial services and marketplace sectors. As the Head of Risk and Compliance, you will design and implement a comprehensive compliance management system, build a program to comply with lending regulations, and establish an enterprise fraud strategy. You will also lead a team, produce risk and compliance reporting, and maintain readiness for audits and examinations. This is a builder role for a seasoned leader with experience in risk and compliance, particularly in regulated consumer lending and fraud prevention.

• Establishing and scaling the control environment for the Financial Services business unit and fraud prevention across the organization.
• Designing and implementing the end-to-end compliance management system for the regulated lending business, including governance, policies, and procedures.
• Building the program to comply with applicable lending regulations and standing up the AML program for the lending business.
• Strong executive communication: able to brief the finance leadership team and Board-level audiences and to influence product and engineering roadmaps
• 12+ years of progressive experience in risk and compliance, with senior leadership tenure spanning both regulated consumer lending / fintech and payments or marketplace fraud
• Track record building a compliance management system or fraud-prevention function from an early stage and scaling it — not solely operating a mature, inherited program
• Demonstrated, hands-on knowledge of the U.S. consumer-lending regulatory framework (TILA / Reg Z, ECOA / Reg B, FCRA, UDAAP, GLBA, state licensing and usury) and of BSA / AML, KYC, and OFAC requirements
• Experience leading fraud strategy and detection in a high-volume, high-AOV consumer environment, working directly with data, product, and engineering teams on rules and ML-based decisioning
• Proven people leader who has built and developed teams, with the credibility to own regulator and examiner relationships
• Experience in a pre-IPO or newly public company, including audit, SOX, and underwriter / regulatory diligence
• Exposure to asset-backed or collateralized lending, custody / vaulting, or lending against alternative or high-value assets
• Familiarity with bank-partnership (sponsor-bank) lending models and third-party / vendor risk management
• Knowledge of sweepstakes, gaming, or chance-based product regulation across U.S. states
• Relevant certifications e.g., CAMS (AML), CRCM (regulatory compliance), CFE (fraud), or CRCMP
• JD or advanced degree in a related field is a plus; not required