Compliance Manager – Card

🕒 September 30

🇨🇦 Canada – Remote

💵 $128k - $188k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

🚔 Compliance

👻 Ghost score 1%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Affirm

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 2012

💳 Fintech

👥 B2C

🛍️ eCommerce

💰 Post-IPO Equity on 2021-01

Fintech • B2C • eCommerce

Affirm is a financial technology company that offers a 'Buy Now, Pay Later' service, allowing consumers to make purchases and pay for them over time with flexible payment plans. Affirm eliminates hidden fees and compound interest, providing clear terms and conditions for its users. The company also offers the Affirm Card, a debit card that allows users to request to pay over time for larger purchases or pay in full for smaller ones. Affirm partners with various retailers across multiple categories, including electronics, apparel, and travel, providing customers with the convenience of paying over time at checkout both online and in physical stores. Affirm's services are integrated with Apple Pay, enabling customers to make payments seamlessly from their iPhone or iPad.

📋 Description

• Own end-to-end compliance advisory for the Affirm Card program, including card marketing, checkout, onboarding, wallets, disputes, and servicing • Partner with Product, Engineering, and Operations throughout the development lifecycle • Apply judgment under EFTA (Reg E), TILA (Reg Z)/CARD Act, and UDAAP to navigate novel regulatory questions • Review and approve card marketing, disclosures, and UX for regulatory compliance and consumer protection standards • Lead root-cause analysis and sustainable remediation for Card compliance issues • Partner with Compliance Testing, Legal, and Risk on regulatory exams and bank partner audits • Maintain the Card program's compliance risk assessment and control inventory • Develop and maintain Card-specific compliance training and reference materials • Serve as the compliance expert on new and evolving Card features and identify risk early in the product lifecycle

🎯 Requirements

• 8+ years of experience in a compliance advisory role within financial services with a Bachelor's degree, or 6+ years with a Master's degree, or 3+ years with a PhD, or equivalent • Meaningful experience with card or payments compliance • Deep working knowledge of EFTA (Reg E) and TILA (Reg Z)/CARD Act as applied to card products • Familiarity with TISA (Reg DD) and UDAAP • Experience with card network rules such as Visa and Mastercard is a plus • Demonstrated ability to operate independently in ambiguous, fast-paced environments • Experience partnering with Product from early stages of product, feature, or servicing program development • Experience owning issues from root-cause analysis through sustainable remediation • Experience advising Product, Engineering, and Operations stakeholders on card, lending, or payments programs • Strong verbal and written communication skills • Strategic thinking and problem-solving skills • Ability to present complex regulatory issues to non-compliance audiences, senior leadership, and leadership committees • Compliance certifications are a plus

🏖️ Benefits

• 100% subsidized medical coverage for employees and dependents • Dental and vision coverage for employees and dependents • Monthly tech setup stipend • Monthly health and wellness spending stipends • Flexible time off • Generous holiday calendars • Employee stock purchase plan (ESPP) with discounted Affirm stock • Inclusive interview process with accommodations for candidates with disabilities • Remote-first flexibility • In-person onboarding experience for all new hires