Head of Risk and Compliance

Job not on LinkedIn

🔥 0 minutes ago

🏄 California, Florida, +2 more states – Remote

🏄 California – Remote 🐊 Florida – Remote 🏖️ New Jersey – Remote 🤠 Texas – Remote

💵 $197.2k - $280.1k / year

⏰ Full Time

🔴 Lead

🚔 Compliance

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

Apply Now

Find Similar Remote Jobs

Set Up Email Alert For New Jobs

📊 Check your resume score for this job

Improve your chances of getting an interview by checking your resume score before you apply.

Upload Resume

Collectors

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

🛍️ eCommerce

👥 B2C

eCommerce • B2C

Collectors is a company dedicated to helping collectors pursue their passion for collecting valuable and iconic items. They specialize in authenticating and grading collectibles, including rare baseball cards, coins, and memorabilia. Collectors offers industry-leading authentication and grading services, connecting a community of enthusiasts to help them grow their collections. Their products feature famous collectibles such as Mickey Mantle's 1952 Topps Baseball card, the 1913 Liberty Head nickel, and a Limited Edition Solid 20-karat Gold 20th Anniversary Pikachu. Collectors provides a platform for collectors to connect with others and build the future of collecting.

📋 Description

• Compliance management system. Design, implement, and own the end-to-end compliance management system (CMS) for the FS business — governance, policies and procedures, monitoring and testing, complaint management, issue remediation, and change management • Consumer lending regulatory framework. Build the program to comply with applicable lending regulations, including TILA / Regulation Z, ECOA / Regulation B and fair-lending obligations, FCRA / credit-reporting requirements, UDAAP standards, GLBA privacy and safeguards, SCRA / Military Lending Act considerations, FDCPA-aligned servicing and collections practices, and state usury and rate limitations • Licensing & regulatory strategy. Determine and execute the licensing approach (e.g., state lending / financing licenses or a bank-partnership model), maintain the licensing calendar, and serve as the primary relationship owner for regulators and examiners • BSA / AML & sanctions. Stand up the AML program for the lending business - KYC / CIP, customer due diligence, transaction monitoring, OFAC / sanctions screening, and SAR governance - and ensure consistency with marketplace AML obligations • Bank-partner & third-party oversight. Where products are delivered through a sponsor bank or other partners, own the partner-oversight and vendor-risk program to meet third-party risk-management expectations • Credit & collateral risk governance. Partner with FS product and finance leaders on underwriting policy, credit-risk appetite, LTV and concentration limits, and, for asset-backed lending, collateral valuation, custody controls, and default / liquidation procedures for vaulted assets • Enterprise fraud strategy. Define and own the fraud-prevention strategy across Marketplace and Power Packs, balancing loss reduction against customer friction and conversion • Detection & decisioning infrastructure. Build and tune the fraud-detection stack — rules engines, machine-learning models, device and identity signals, and manual-review workflows — in partnership with Product and Engineering • Fraud typologies. Identify and address the full set of marketplace risks: payment fraud and chargebacks, account takeover, seller and listing fraud, counterfeit / authenticity and slab-tampering abuse, collusion and shill activity, promotion abuse, and laundering of value through high-worth collectibles • Power Packs & chance-based product compliance. Own the risk and compliance posture for randomized / chance-based offerings — odds disclosure and transparency, eligibility and age controls, sweepstakes / gaming and state-by-state regulatory analysis, and terms-of-service alignment — working closely with Legal • Fraud operations & metrics. Establish the fraud-operations function and case management, define loss and chargeback KPIs, and report fraud rates, recoveries, and false-positive impact to leadership • Risk framework & appetite. Establish the enterprise risk framework, risk-appetite statements, and key risk indicators spanning the FS and marketplace mandates • Leadership & Board reporting. Produce clear, decision-ready risk and compliance reporting for the SVP of Financial Operations, the executive team, and — as appropriate — the Audit / Risk Committee of the Board • Audit & examination readiness. Maintain documentation, controls evidence, and a state of readiness for internal audit, external audit, regulatory examination, and IPO-related diligence; coordinate with SOX and internal-controls efforts • Policy, training & culture. Author enterprise risk and compliance policies, deliver targeted training, and embed a practical risk-aware culture across product and operating teams • Cross-functional partnership. Operate as a trusted partner to Legal, Finance, Marketplace, FS Product, Engineering, Trust & Safety, Customer Service, and the grading brands — turning requirements into controls the business can actually run • Team building. Recruit, structure, and lead the Risk & Compliance team, scaling headcount and managed-services support in line with the FS roadmap and fraud-volume growth.

🎯 Requirements

• 12+ years of progressive experience in risk and compliance, with senior leadership tenure spanning both regulated consumer lending / fintech and payments or marketplace fraud • Demonstrated, hands-on knowledge of the U.S. consumer-lending regulatory framework (TILA / Reg Z, ECOA / Reg B, FCRA, UDAAP, GLBA, state licensing and usury) and of BSA / AML, KYC, and OFAC requirements • Track record building a compliance management system or fraud-prevention function from an early stage and scaling it — not solely operating a mature, inherited program • Experience leading fraud strategy and detection in a high-volume, high-AOV consumer environment, working directly with data, product, and engineering teams on rules and ML-based decisioning • Strong executive communication: able to brief the finance leadership team and Board-level audiences and to influence product and engineering roadmaps • Proven people leader who has built and developed teams, with the credibility to own regulator and examiner relationships.

🏖️ Benefits

• Health Insurance: All full-time employees are eligible to enroll in Medical, Dental, and Vision • Additional Benefits: Full-time employees are eligible for fertility, commuter, and educational assistance benefits • 401(K) Matching Plan: We are proud to offer a competitive 401k matching plan to our employees to support their future financial goals • Vacation: All salaried employees are eligible for flexible time-off • Holiday Pay: All regular, full-time employees are eligible for ten company paid holidays • Employee Discounts: Employees receive discounts on select grading services for approved submissions • Flexible Hours: Many of our teams offer flexible schedules with varying shifts and will work with you to accommodate your needs • Fun Working Environment: Our team members are invited to participate in celebrations, holiday events, and team building activities