Compliance Manager - Remote

About The Legal, Compliance, And Public Affairs Team The Legal, Compliance, and Public Affairs team is a group of dedicated professionals committed to helping affirm scale, innovate, and provide outstanding products for consumers, merchants, and key partners. We combine legal, compliance, and policy expertise to guide growth, shape products, and build trust across our ecosystem. Our work spans multiple professional disciplines and provides the foundation for affirm’s mission to deliver honest financial products. Affirm is seeking a Compliance Manager to own compliance advisory for the affirm Card program. You'll make independent, risk-based calls across card marketing, onboarding, disputes, and remediation, partnering with Product, Engineering, and Operations to ship card features that are compliant and built to last. Own end-to-end compliance advisory for the affirm Card program, including card marketing, checkout, onboarding, wallets (Apple Pay, Google Pay), disputes, and servicing, partnering directly with Product, Engineering, and Operations throughout the development lifecycle Apply sound judgment under EFTA (Reg E), TILA (Reg Z)/CARD Act, UDAAP, to navigate novel regulatory questions, escalating only where it's genuinely warranted Review and approve affirm Card marketing, disclosures, and UX to ensure compliance with regulatory requirements and consistency with consumer protection standards Lead root-cause analysis and remediation for Card compliance issues (e.g., Partner with Compliance Testing, Legal, and Risk to prepare for and support regulatory exams and bank partner audits related to the Card program Maintain and contribute to the Card program’s compliance risk assessment and control inventory, proactively identifying and closing coverage gaps Develop and maintain compliance training and reference materials specific to Card regulatory requirements Serve as the go-to compliance expert on new and evolving Card features, surfacing risk early in the product lifecycle rather than after launch 8+ years of experience in a compliance advisory role within financial services with a Bachelor's degree (6+ years with a Master's degree, or 3+ years with a PhD, or equivalent), with meaningful experience on card, payments; compliance certifications a plus hands‑on experience with card network rules (e.g., Visa, Mastercard) is a big plus A demonstrated track record of operating independently in ambiguous, fast‑paced environments, making sound, risk‑based decisions with incomplete information and escalating only when it truly requires it Comfortable partnering closely with Product from the early stages of a build, whether a new product, feature, or servicing program, in fast‑paced, ambiguous environments Experience owning issues from root‑cause analysis through sustainable remediation, with a bias toward fixing the underlying control rather than the immediate symptom Experience advising and building credibility with Product, Engineering, and Operations stakeholders on a card, lending, or payments program Strong verbal and written communication skills, with the ability to clearly present complex, nuanced regulatory issues to non‑compliance audiences comfortable being the compliance voice in the room on card‑specific questions, including presenting to senior leadership and leadership committees Equity Grade - Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.) Remote‑first with flexibility built in Affirm is proud to be a remote‑first company. Some positions may occasionally require in‑person work at an affirm office, and a few are office‑based due to the nature of the work. Health coverage at no cost: Flexible time off and generous holiday calendars help you rest when you need to. We’re committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we’re happy to help. For positions based in San Francisco or Los Angeles: affirm considers qualified applicants with arrest and conviction records, as required by law. #