Affirm - Compliance Analyst II (Core Advisory)
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Requirements
• Knowledge of UDAAP, CAN-SPAM, FCRA, TILA/Reg Z, and state lending laws. • Ability to research and build subject matter expertise. • Experience in compliance testing/assessment activities. • Strong communication and relationship management skills. • Proactive problem solving in fast-paced environments. • 2+ years in consumer lending or BNPL compliance risk/audit (preferred).
Responsibilities
• Provide guidance for Affirm’s Product and Operations teams on applicable regulatory requirements related to any changes to products or services, issue remediation, and marketing reviews. • Review and approve financial services marketing materials to ensure they comply with regulations and industry standards. • Support team members in their oversight and credible challenge on product enhancements, marketing promotions and servicing changes, including third-party oversight; work cross-functionally to address compliance issues at the root cause. • Partner with the Complaints Compliance team to leverage complaint insights and drive durable product and process fixes within servicing. • Support responses to regulatory and bank-partner inquiries, audits, and examinations through second-line reviews and documentation/evidence. • Contribute to developing and implementing policies, procedures, and controls through second-line advisory, review, and oversight to ensure compliance with regulatory requirements. • What We Look For • What We Look For • Working knowledge of applicable laws, regulations, and regulatory trends that impact Affirm’s business, e.g. UDAAP, CAN-SPAM, FCRA, TILA/Reg Z, state lending laws. • Ability to research and investigate where knowledge is lacking, building subject matter expertise. • Experience in completing subject specific compliance testing and/or assessment activities. • Strong communication and relationship management skills. • Inquisitive and proactive in proposing creative and effective solutions and ability to learn and adapt in a fast-paced environment. • Strong project management, critical thinking and analytical skills. • Excellent verbal and written communication skills with the ability to clearly present complex and sensitive issues. • Proficient computer navigation skills using a variety of software packages, including Google docs, word processing, spreadsheets, and presentations. • Ability to work in a self-directed environment with excellent strategic thinking and problem-solving ability, who can assist with minimal guidance. • Experience working in fast-paced, ambiguous environments. • A minimum of 2 years of professional work experience in consumer lending, BNPL or installment financing in a compliance risk or audit role is highly preferred. • Base Pay Grade - HEquity Grade - 3Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills.Base pay is part of a total compensation package that may include monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company).CAN base pay range per year: $78,000 - $118,000 • Base Pay Grade • Equity Grade • Employees new to Affirm typically come in at the start of the pay range. • This posting is for an existing vacancy.#LI-Remote • Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities. • We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include: • Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents • Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses • Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge • ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount • We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process. • [For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records. • By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.
Benefits
• Health care coverage - premiums covered for you and dependents. • Flexible Spending Wallets - stipends for technology, food, lifestyle needs. • Time off - vacation and holidays to rest and recharge. • ESPP - Employee stock purchase plan at a discount.
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