The opportunity
At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most.
What you'll do
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
Bring an appetite for the unknown: much of what we build on Card is genuinely new and without precedent, and you take on that ambiguity rather than wait for a playbook
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.,: disputes, adverse action notices, declines) through to sustainable closure, prioritizing durable fixes over one-off patches so issues don't recur
Partner with Compliance Testing, Legal, and Risk to prepare for and support: regulatory exams and bank partner audits related to the Card program
What they're looking for
- 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
- + 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
