Senior, Consumer Compliance and Lead

Esusu:
Building Credit Access for All

Your financial future shouldn't depend on your race, background, or zip code. Yet 45 million Americans remain “credit invisible,” while countless others face denials, evictions, and predatory interest rates regularly. Esusu is changing that.

As a financial technology and data platform, we’re revolutionizing financial health, identity services, and inclusive decision‑making for individuals and businesses alike.

Our impact speaks volumes:

• $50 billion in credit activity facilitated
• 5 million+ rental units in our network
• Trusted partnerships with leading real estate companies, government entities, fintechs, banks, and employers

Through our enterprise services, embedded products, and consumer offerings, we’re creating a financial system that works for everyone—right when fintech innovation matters most. Join us in building a future where financial systems are inclusive by design, access is standard, and opportunity reaches everyone.

Unlock Tomorrow with Esusu.

About the Role

The Consumer and Payments Compliance Lead is responsible for designing, implementing, and overseeing Esusu’s consumer and payments compliance program. This role provides subject‑matter expertise on U.S. consumer financial regulations and payment network rules (e.g., Regulation E, NACHA Operating Rules, card network rules, UDAAP, privacy, and state consumer protection requirements) and serves as a primary liaison to our bank partners and payment vendors on compliance matters.

The role sits within the Risk & Compliance Management Department and operates as a second line of defense, partnering closely with Legal, Operations, Product and other internal and external partners to ensure that Esusu’s consumer‑facing products and payment flows remain compliant, well‑controlled, and aligned with industry best practices.

Program Ownership and Governance

• Design, implement and continuously improve the consumer and payments compliance program, including policies, standards, procedures, and control frameworks aligned to Esusu’s risk management framework and applicable regulations.
• Maintain and update policies and procedures for ACH, wire, card, and other electronic payments, in coordination with bank partners and payment processors.
• Establish and maintain a compliance risk assessment for consumer and payments activities, including periodic reassessments and documentation of inherent risks, controls, residual risk, and remediation actions.
• Provide compliance reporting and insights on consumer and payments compliance risks, issues, and trends to the Risk & Compliance leadership and relevant governance forums (e.g., risk committees, partner oversight meetings).

• Serve as the primary internal subject‑matter expert for consumer protection and payments regulations, including but not limited to:
  • Electronic Fund Transfer Act / Regulation E
  • NACHA Operating Rules and ACH Risk requirements
  • Applicable card network rules (if relevant to product set)
  • UDAAP, Fair Credit Reporting Act (FCRA) as it relates to consumer reporting, and related federal and state consumer protection laws.
• Review new and proposed products, features, and processes that involve consumer interactions or payment flows, providing clear, risk‑based compliance requirements and documenting decisions and rationale.
• Monitor regulatory developments and industry guidance related to consumer and payments compliance; assess impact to Esusu and drive implementation of required changes in partnership with stakeholders.

• Act as subject matter expert for Visa, Mastercard, and other network rules, managing audits, and implementing scheme requirements.

• Work with Customer Service, Risk, Compliance and Legal to develop and maintain a structured complaints management process to handle customer complaints at various tiers, ensure prompt resolution, and identify any systemic issues.

• Act as a primary compliance point of contact for Esusu’s bank partners and key payment‑related vendors (e.g., Lead Bank, ACH originator/processor, KYC/AML platforms) on consumer and…