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.

Affirm’s 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. Although a second line of defense, Compliance 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.

Affirm is seeking a Compliance Manager to own second-line advisory and independent oversight for Card, Deposits, and B2B Servicing. In this individual contributor role, you’ll centralize and mature servicing compliance for these portfolios, embedding requirements in day-to-day operations, providing credible challenge, and driving durable fixes where gaps exist. You’ll partner with Legal, Operations, Product, Engineering, and senior leadership to build and maintain policies, procedures, and control standards; strengthen risk-based monitoring and testing (including thoughtful automation); coordinate responses to audits/exams and bank-partner inquiries; and align servicing standards across consumer and small-business accounts. This role reports to the Director, Compliance and requires strong independent judgment and cross-functional influence.

What You'll Do

Provide the necessary leadership, expertise, and oversight to effectively manage Compliance efforts for servicing Affirm's products.
Proactively monitor and translate regulatory developments into clear requirements and implementation plans.
Identify compliance risks and vulnerabilities within servicing processes and systems.
Assist the business with developing and implementing policies, procedures, and controls to ensure compliance with regulatory requirements during projects and BAU changes.
Support timely, complete responses to audits, exams, bank-partner reviews, and regulatory inquiries.
Collaborate with cross-functional teams to address compliance-related issues and drive continuous improvement initiatives.
Review servicing changes via documented decision logs, approvals, and escalation paths.
Leverage complaints and other signals to identify themes and drive durable product/process fixes.
Deliver training and guidance to team members on compliance best practices and protocols, as needed.
Provide periodic reporting to leadership on compliance status, issues, and remediation progress.
Other duties as assigned.

What We Look For

Advanced knowledge of applicable laws, regulations, requirements, best practices, and regulatory trends that impact Affirm’s business. Advanced knowledge in domain.
Subject matter expert in completing end-to-end compliance testing and/or assessment activities with limited oversight. May lead a specific testing area.
Excellent organizational and relationship leadership skills. Must be detail oriented, thorough, and well organized.
Proactive and innovative mindset with proven experience in leading initiatives and driving a culture of compliance within an organization.
Advanced project management, critical thinking, and analytical skills.
Ability to collaborate cross-functionally with, and communicate complex regulations to, business partners.
Strong working knowledge of analytical tools, such as Snowflake, Excel, and visualization software (e.g. Looker, Tableau, etc.).
Inquisitive and proactive in proposing creative and effective solutions.
Ability to manage multiple priorities and work under pressure.
Proven experience as a key contributing member of an impactful and fast-paced team.
Ability to thrive in an ambiguous context.
Decision Making: Provides recommendations regarding methods, techniques and evaluation criteria for obtaining results and is able to make well reasoned recommendations on decisions, and decisions where appropriate, to help drive business outcomes.
Manages multiple complex projects/initiatives/cross functional work. Individual Contributor, but will be a Program/Process owner.
Professional work experience in Compliance Risk, Audit, or Bank Regulatory. A minimum of 6 years of experience in a regulated industry is highly preferred.

Base Pay Grade - L

Equity Grade - 6

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 package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.)

USA base pay range (CA, WA, NY, NJ, CT) per year: $160,000 - $210,000

USA base pay range (all other U.S. states) per year: $142,000 - $192,000

Please note that visa sponsorship is not available for this position.

#LI-Remote

Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.

We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include:

Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents
Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses
Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge
ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount

We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.

[For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records.

By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

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