Senior Consumer Compliance and Payments Lead

🕒 April 6

🇺🇸 United States – Remote

💵 $150k - $163k / year

⏰ Full Time

🟠 Senior

🚔 Compliance

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Esusu

WebsiteLinkedInAll Job Openings

51 - 200 employees

💳 Fintech

🏠 Real Estate

🌍 Social Impact

Fintech • Real Estate • Social Impact

Esusu is a platform designed to help renters build credit by reporting their rent payments to the three major credit bureaus. By linking their bank accounts and sharing lease information, users can see their credit scores improve over time. The company offers a variety of financial tools, including financial coaching, credit education, and a marketplace that offers credit-building, auto, tax, and rental products and services. Esusu aims to create significant social impact by providing an inclusive credit-building membership for those who have been traditionally overlooked in the financial system.

📋 Description

• 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). • Serve 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.

🎯 Requirements

• Degree and or certifications in Business, Compliance, Audit, Risk Management, or related field, or equivalent practical experience. • Significant, senior-level experience in compliance, legal, or risk management experience in financial services, fintech, banking, or payments, with significant exposure to U.S. consumer protection and/or payments regulations. • Demonstrated expertise applying Regulation E, NACHA Rules, UDAAP, FCRA, and related consumer and payments requirements in a business environment. • Deep understanding of payment clearing, settlement and regulatory requirements. • Experience working in or with a second line of defense risk/compliance function, including advising first line teams and providing independent challenge. • Strong track record of building and maintaining policies, procedures, and control frameworks and performing monitoring/testing over compliance controls. • Excellent written and verbal communication skills, with the ability to translate complex regulatory requirements into clear, actionable guidance for non-technical stakeholders. • Proven ability to manage multiple priorities in a fast-paced, high-growth environment and to work effectively with cross-functional teams and external partners.

🏖️ Benefits

• 💵Competitive Salary - for Series C - $150,000 – $163,000 annually • 📈Equity - a significant RSU grant with vesting over four years, accelerated upon a sale or IPO. • ✅Remote first work environment - Where we trust you to get your work done. • 🌴Generous PTO – Enjoy a generous time off policy and 14 company wide paid holidays. • 🩺Premium Health Coverage – Comprehensive medical, dental, and vision insurance. • 💳Partial-Employer Funded Health Savings Account - Available for High Deductible Plans. • 🍼Paid Parental Leave – 12 weeks of 100% pay to support growing families. • 💰Retirement Plans – Secure your future with our competitive 401(k) offerings, including a 4% company match (for US only). • 🎓Tuition Reimbursement – For qualified programs to complement work experience. • 📚Professional Development Stipend – To support your continued growth and learning. • 🤝In person and virtual team get togethers - To connect with your fellow Esusu colleagues. • 📈Free Credit Building Benefit - Build your credit score for free as an Esusu employee.