Compliance Lead (Servicing Advisory)

Join Affirm's Legal, Compliance, and Public Affairs team as a Compliance Lead. In this role, you will oversee compliance with the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA), advise various teams on compliance requirements, and develop and implement compliance policies and procedures. You will also provide training and education on relevant regulations, monitor compliance metrics, and report to senior management. The ideal candidate will have extensive knowledge of FCRA, FDCPA, and other servicing regulations, strong analytical skills, and a proven track record in compliance program development and implementation.

• Oversight of compliance with the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and managing regulatory compliance issues.
• Providing guidance to Affirm’s Servicing, Collections, and Repayments teams on compliance requirements related to product changes and new initiatives.
• Developing and delivering training programs on FCRA, FDCPA, and other relevant servicing, collections, and repayments regulations to ensure awareness and understanding across the organization.
• The ideal candidate will possess extensive knowledge of FCRA, FDCPA, and other servicing regulations, exceptional analytical skills, and a proven track record in developing and implementing effective compliance programs
• Working knowledge of applicable laws, regulations, and regulatory trends that impact Affirm’s business. Ability to research and investigate where knowledge is lacking, building subject matter expertise
• In-depth knowledge of FCRA, FDCPA, and other servicing, collections, and repayments regulations, guidelines, and industry best practices
• Bachelor's degree in business, law, finance, or a related field. Advanced degree or professional certification in compliance is a plus
• Inquisitive and proactive in proposing creative and effective solutions and ability to learn and adapt in a fast-paced environment
• Strong ability to build and manage relationships with stakeholders, coupled with excellent communication skills to clearly convey complex and sensitive issues
• Minimum of 4 years of relevant experience in compliance and issues management, with a focus on servicing operations compliance, including FCRA and FDCPA
• Excellent communication and interpersonal skills, with the ability to interact with individuals at all levels of the organization
• Identifies situations, and where appropriate, can provide recommendations concerning methods, techniques and evaluation criteria for obtaining results. Bring well reasoned and informed recommendations forward on decisions to help drive business outcomes. Identifies solution/options/recommendations versus simply identifying a problem/decision point
• Strong analytical and problem-solving skills, with the ability to assess complex compliance issues and develop effective solutions