Compliance and Regulatory Lead
Splitpay Limited
Compliance and Regulatory Lead
About Split Pay
Split Pay is a consumer fintech platform that enables secure, compliant, and transparent housing payments. We allow customers to split their largest recurring bill into installments while building credit, all within a tightly governed financial and operational framework.
Trust and compliance are foundational to how we operate. Our platform is built with rigorous controls across underwriting, servicing, payments, and data handling, and we work closely with lending partners, banking partners, and payment processors to meet high standards of regulatory and operational integrity. We operate in a highly regulated environment and treat compliance, auditability, and risk management as core product requirements.
Split Pay is deeply data-driven, using sophisticated measurement, experimentation, and monitoring to ensure our products scale responsibly while maintaining strong governance across the full lifecycle of each transaction.
The Role
We are seeking a Compliance & Regulatory Lead to own and operate our compliance function end-to-end. This role is responsible for ensuring that Split Pay’s products, policies, and operations remain compliant with our lending partners, banking partners, payment processors, and enterprise compliance frameworks.
This is a hands-on, cross-functional leadership role. You will own compliance policy, control design, audit readiness, and partner-facing compliance obligations, while partnering closely with Finance, Engineering, Product, and Operations teams who execute day-to-day workflows.
Key Responsibilities
Lending & Credit Facility Compliance
Own and maintain underwriting, servicing, and collections policies in alignment with credit facility requirements and lender expectations.
Ensure internal policies, procedures, and controls remain consistent with credit agreement covenants and eligibility requirements.
Act as the primary compliance point of contact for credit facility partners on policy interpretation, audits, and compliance inquiries.
Review changes to underwriting logic, servicing workflows, or collections practices for compliance impact.
Coordinate responses to lender audits and diligence requests by providing policy documentation, control descriptions, and compliance evidence.
Banking & Payments Compliance
Own compliance relationships with banking partners and lender-of-record entities.
Define and maintain compliance policies related to payment flows, transaction handling, and operational controls.
Support banking partner reviews, audits, and ongoing compliance requests.
Own compliance obligations tied to payment processors, including quarterly or annual audits and attestations.
Enterprise Compliance Programs
Own and operate SOC 2 (Type I and II) programs, including control design, evidence management, and auditor coordination.
Lead PCI DSS compliance efforts in partnership with engineering and security teams.
Own data privacy compliance (e.g., CCPA), including policy definition, internal controls, and employee training.
Manage GRC tooling (e.g., Drata) as the system of record for controls, evidence, and audit workflows.
Audit, Risk, and Governance
Serve as the primary liaison with external auditors, assessors, and compliance reviewers.
Maintain a centralized compliance framework, including policies, procedures, risk assessments, and control ownership.
Identify compliance gaps and drive remediation efforts across teams.
Establish clear compliance review processes for new products, features, and operational changes.
Cross-Functional Partnership
Partner with Product and Engineering to embed compliance considerations into product development and operational workflows.
Work with Finance and Operations to ensure compliance requirements are clearly understood and supported by appropriate controls.
Build compliance awareness and accountability across the organization through training and documentation.
What We’re Looking For
7+ years of experience in compliance, risk, or regulatory roles within fintech, financial services, or payments.
Direct experience with lending compliance, including underwriting, servicing, or collections policy ownership.
Experience working with banking partners, BaaS providers, or lender-of-record models.Hands-on ownership of SOC 2 programs and familiarity with PCI DSS and data privacy frameworks.
Experience managing audits and external compliance stakeholders.
Strong operational mindset with the ability to translate regulatory and partner requirements into scalable internal controls.
Comfortable operating in a fast-paced, data-driven environment.
Nice to have
Experience supporting consumer lending or installment-based products.
Familiarity with credit facilities or structured finance from a compliance perspective.Experience building or scaling a compliance function at a growth-stage fintech.
Why This Role Matters
Compliance at Split Pay is a core enabler of our ability to scale responsibly. This role will have real ownership, real authority, and direct visibility with senior leadership. You will help shape the compliance infrastructure that supports our lenders, banking partners, customers, and long-term growth.
- Department
- Legal
- Locations
- US
- Remote status
- Fully Remote