Affirm - Director, Affirm Bank Internal Audit

• 1. Internal Audit Program Development • Establish and maintain a comprehensive, risk-based internal audit program that aligns with the Bank’s strategy and regulatory requirements. • Develop the audit charter, policies, procedures, and methodology to ensure independence and objectivity. • Oversee the creation and execution of the annual audit plan based on risk assessments and changing business conditions. • Partner with Audit counterparts at Affirm to manage third and fourth party risk. • 2. Audit Execution and Oversight • Lead and conduct audits across key functional areas • Evaluate the adequacy and effectiveness of internal controls, risk management, and governance processes • Provide independent recommendations for control enhancements, process improvements, and risk mitigation • Oversee documentation, issue tracking, and follow-up of audit findings to ensure timely resolution. • 3. Board and Regulatory Reporting • Report directly to the Audit Committee of the Board, providing regular updates on audit results, trends, and emerging risks. • Prepare materials for Board and committee meetings, ensuring transparency and actionable insight • Serve as liaison with external auditors, examiners, and regulators, coordinating responses to findings or requests • Support the Audit Committee in fulfilling its oversight responsibilities related to risk, control, and audit • 4. Risk and Control Advisory • Collaborate with executive management to evaluate risk management and internal control frameworks • Advise management on control design and efficiency without compromising audit independence • Support integration of risk-based thinking and control discipline across all departments • Identify opportunities to enhance governance and control maturity during early-stage bank development • 5. De Novo and Pre-Opening Readiness • Lead the design and documentation of the Internal Audit framework as part of the de novo application process • Establish audit coverage for pre-opening activities, including policy development, system implementation, and vendor onboarding • Develop readiness assessments and Board materials to support FDIC and state regulatory reviews • Build and train an audit function capable of scaling as the Bank grows post-launch • What We Look For • What We Look For • Minimum of 10 years of internal audit, risk management, or control experience, in a regulated banking environment • Proven experience establishing or leading an internal audit program for an FDIC-supervised institution • Strong understanding of lending-sponsorship banking and consumer deposits, and preferably experience with a lending-sponsor bank or ILC. • Knowledge of the FDIC examination processes, and interagency audit guidance preferred • Strong understanding of lending sponsorship-banking and consumer deposit operations, internal controls, IT systems, and regulatory compliance • Demonstrated ability to assess risk, communicate effectively with senior management and the Board, and deliver practical audit insights • Experience managing internal and co-sourced audit relationships • Exceptional integrity, judgment, and attention to detail • Core Competencies • Core Competencies • Deep understanding of risk assessment, internal controls, and audit standards • Ability to design and execute a scalable, risk-based audit program • Strong collaboration with management while maintaining independence and objectivity • Excellent analytical, communication, and report-writing skills • Strategic thinker who can identify control gaps and operational improvement opportunities • Affirm Values • At Affirm, we live by our values: People Come First, No Fine Print, It’s On Us, Simplify, and Push the Envelope. As CCO, you will embody these principles while building the foundation of Affirm Bank as a trusted, transparent, and innovative financial institution.