Senior Compliance Specialist, Consumer Operations

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Reprise Financial

WebsiteLinkedInAll Job Openings

51 - 200 employees

Founded 2021

💳 Fintech

💸 Finance

👥 B2C

Fintech • Finance • B2C

Reprise Financial is an online consumer lending platform that provides unsecured personal loans ranging from $2,500 to $25,000 for uses such as debt consolidation, credit card refinancing, medical and dental bills, major purchases, travel, and other personal expenses. The company emphasizes a simple, fast online application with pre-approval checks that don't affect credit scores, fixed rates, clear terms, quick funding (often by the next business day), and financial education resources. Reprise reports having funded over $3. 0 billion in loans to customers across the United States and positions itself as a reliable B2C lender focused on helping consumers regain control of their finances.

📋 Description

• Deliver and manage key elements of the Compliance Program, including monitoring and testing, complaints and disputes, training, and policies and procedures • Conduct quarterly monitoring and testing of federal and state regulatory obligations and associated controls • Present observations, exceptions, and findings to senior leadership and drive corrective actions and control enhancements • Provide regulatory compliance oversight across consumer financial protection, data protection and privacy, and Bank Secrecy Act requirements • Build and scale monitoring and testing programs and report compliance metrics to senior management • Review and respond to SCRA determination requests, escalating complex determinations to cross-functional stakeholders • Support credit bureau reporting investigations, oversee corrections, and reconcile data across systems and bureaus • Escalate and resolve servicing-related complaints, disputes, and operational issues • Support regulatory exam requests and resolve documentation or sampling gaps • Respond to privileged and legal research requests related to accounts in open proceedings • Monitor and assess new state and federal legislation affecting the business and vendors • Prepare and distribute memoranda summarizing regulatory requirements and implementation plans • Maintain and improve a state-based compliance knowledge base • Lead compliance-driven projects from research through implementation • Collaborate with internal and external stakeholders to operationalize compliance requirements • Identify compliance risks, evaluate operational impacts, and develop practical solutions • Analyze data and metrics, identify trends, and distribute insights to stakeholders • Assist with operating procedures, policies, and consumer-facing communications

🎯 Requirements

• Bachelor's degree in business administration or a related field, or an equivalent combination of education and experience • Minimum of five years of experience in Regulatory Compliance, Risk Management, Internal Audit, or a related function within a regulated consumer financial services environment • Experience supporting consumer lending and loan servicing operations • Experience supporting organizations subject to state regulatory oversight preferred • Strong working knowledge of TILA, FCRA, FTC Act, ECOA, MLA, FDCPA, GLBA, UDAAP, SCRA, BSA requirements, and applicable state regulations • Experience designing, implementing, and testing compliance controls • Experience evaluating control effectiveness, identifying compliance risks, and recommending corrective actions • Professional certifications such as CCEP, CRCM, CIA, or CAMS preferred • Proficiency with Microsoft Office Suite and online research tools, databases, and regulatory resources • Strong analytical, critical-thinking, problem-solving, and root-cause analysis skills • Ability to assess risk, analyze operational processes, and recommend compliant, business-friendly solutions • Excellent written and verbal communication skills, including presenting complex regulatory concepts to diverse audiences • Ability to manage multiple priorities, projects, and deadlines in a fast-paced environment • Ability to work independently and collaboratively across teams • Sound professional judgment and ability to identify emerging risks, escalate concerns, and drive resolution • Adaptability and ability to learn new regulations, processes, and business requirements quickly • Must reside in an approved location by the start date

🏖️ Benefits

• Comprehensive medical, dental, and vision coverage • Health Savings Account (HSA) contributions • Employee Assistance Program (EAP) • 401(k) program with Safe Harbor Match (100% of the first 3% and 50% of the next 2%) • Accrued time off • Company holidays • Sick time • 3 floating holidays • 12-week Paid Parental Leave • Bonus opportunities • Robust tech package • Fully remote work arrangement • Regular virtual meetings and team events