Regulatory Compliance Lead

Regulatory Compliance Lead

The American First Finance (AFF) Compliance team designs and implements a compliance program that proactively addresses regulatory requirements while identifying and resolving potential issues. Compliance program activities include advisory, training, testing & monitoring, reporting, escalation, and oversight. The AFF Compliance team partners with the business to support new products and markets, change management, issue identification and remediation, and third‑party assessment and monitoring.

Compliance uses multiple data sources to enable informed decision‑making, strengthen controls, and provide for better treatment of consumers.

AFF Compliance is seeking a Compliance Lead to support our compliance program in alignment with AFF’s risk appetite. In this role, you will ensure adherence to applicable regulatory requirements, provide clear guidance to AFF’s operations team to mitigate risk and ensure compliance, and collaborate with cross‑functional partners including Legal, Operations, Business Risk, and senior leadership to drive process improvements and further build out our compliance program.

This role reports to the Head of Compliance and requires the ability to work independently and cross‑functionally.

• Provide guidance to AFF’s Business and Operations teams on applicable regulatory requirements and recommend remediation and prioritization.
• Provide independent oversight and credible challenge on operational and regulatory changes, including third‑party oversight: work cross‑functionally to address compliance issues at the root cause.
• Monitor regulatory developments impacting AFF’s operations and assess/communicate implications to stakeholders.
• Partner with other second line of defense (SLOD) teams to leverage complaint and issue insights and drive any necessary product, process, or operation fixes.
• Support responses to regulatory and Bank‑partner inquiries, audits, and examinations through second‑line advisory, review, and oversight to ensure compliance with regulatory requirements.

• 7+ years of experience in consumer regulatory compliance
• 2 or more years of management experience preferred
• Experience in compliance, internal audit, external audit, quality control, and/or risk management is required
• Bachelor’s Degree. Four additional years of directly related legal, or compliance risk may be considered in lieu of bachelor’s degree
• CRCM or similar compliance certification is a plus
• Excellent collaboration skills across Sales, Operations, IT, and Data teams
• Advanced Microsoft Office skills including Word, Excel, and Power Point
• Strong knowledge of applicable State and federal consumer compliance laws and regulations
• Ability to issue‑spot, investigate and identify root cause, and attention to detail is required
• Proficient computer navigation skills and experience presenting to leadership teams.
• Ability to work in a self‑directed environment with excellent strategic thinking and problem‑solving ability, who can assist with minimal guidance.
• Leads a team in navigating and completing complex projects/initiatives/cross‑functional work.

First Cash Holdings, Inc. is the leading international operator of pawn stores and a premier provider of technology‑driven point‑of‑sale payment solutions, both dedicated to serving cash‑ and credit‑constrained consumers.

With over 3,000 pawn stores across 29 U.S. states, the District of Columbia, and Latin America—including Mexico, Guatemala, Colombia, and El Salvador—First Cash offers a diverse selection of pre‑owned jewelry, electronics, tools, appliances, sporting goods, musical instruments, and more. In addition, our stores provide small, non‑recourse pawn loans secured by pledged personal property, offering accessible financial solutions to the communities we serve.

Through our wholly owned subsidiary, American First Finance (AFF), First Cash also delivers lease‑to‑own and retail finance payment solutions for consumer goods and services. With a nationwide network of over 13,000 retail merchant partners, we help customers access flexible financing…