Compliance Exam Lead

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest.

The Legal, Compliance, and Public Affairs team is a group of dedicated professionals committed to helping affirm scale, innovate, and provide outstanding products for consumers, merchants, and key partners. We combine legal, compliance, and policy expertise to guide growth, shape products, and build trust across our ecosystem. Our work spans multiple professional disciplines and provides the foundation for affirm’s mission to deliver honest financial products.

Affirm’s Compliance team provides company-wide leadership, standards, support, and independent oversight to ensure that business units abide by applicable laws, rules, and regulations. Compliance credibly challenges management decisions, business processes, and evaluates adherence to applicable regulatory requirements. We provide appropriate analysis, reporting, and escalation to Executive management and the Board, set minimum standards for the company, and provide guidance for compliance risk management activities across the company.

Affirm is seeking an experienced compliance professional to join our Regulatory Advisory team within Compliance. This individual will partner closely with others on the compliance team, along with our legal and business risk partners, to support regulatory exam engagements by (1) managing end-to-end steps within the exam lifecycle, (2) gathering necessary requests for information from a variety of internal stakeholders, and (3) assisting with the ongoing management of our regulatory obligations as assigned.

• Independently fulfill examination requests, coordinate directly with key collaborators to fulfill various external obligations, and manage examination processes end-to-end from a Compliance perspective.
• Manage and coordinate corrective actions resulting from Supervisory activities, including management reporting of progress.
• Assist with maintaining a central repository for examination and reporting obligations for multiple exam engagements, including work papers, worksheets, exam responses, regulatory guidance, etc.
• Partner with the Compliance Senior Manager in drafting reports, memos or presentations that clearly articulate the results/conclusions of compliance review activities or risk escalations and communicate to key stakeholders across the company.
• Possess and maintain a solid knowledge of consumer compliance laws, regulations and best practices and recognize how they relate to affirm's business model.
• Articulate key Compliance risks at affirm and the controls affirm employs to mitigate those risks.
• Perform due diligence reviews to ensure the quality and completeness of documentation prior to submission to regulators.

• 5+ years of licensing, compliance, regulator, or internal audit experience, ideally related to consumer financial services.
• 4-year university/college degree; in lieu of a degree, we will consider additional years of experience beyond the 5+ listed above.
• Working knowledge of consumer protection laws including (but not limited to): HMDA, BSA/AML, OFAC, Regulation E, FCRA, FDCPA, CAN‑SPAM, TILA, and UDAAP regulations.
• Prior experience within highly-regulated industries is desirable.
• Outstanding time management, administrative, and organizational skills, including the ability to balance multiple priorities and overlapping projects.
• Proven project management, critical thinking, and analytical skills.
• Excellent written and verbal communication skills.
• Humility, integrity, and a desire to be part of a small but strong and encouraging team.
• Inquisitive, eager to learn, and willing to take ownership of projects.

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Employees new to affirm typically come in at the start of the pay range. affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills. Base pay is part of a total compensation…