Compliance Manager, Card

Remote US · Remote · 3+ years experience · Remote · Posted Sep 30, 2026

At a glance

Affirm is seeking a Compliance Manager to own compliance advisory for the Affirm Card program.
The role involves making independent, risk-based calls across card marketing, onboarding, disputes, and remediation.
The incumbent will partner with Product, Engineering, and Operations to ship compliant and durable card features.

Own end-to-end compliance advisory for the Affirm Card program, including card marketing, checkout, onboarding, wallets, 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, and UDAAP to navigate novel regulatory questions.
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 through to sustainable closure, prioritizing durable fixes over one-off patches.
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.
Deep working knowledge of EFTA (Reg E) and TILA (Reg Z)/CARD Act as applied to card products, plus familiarity with TISA (Reg DD) and UDAAP.
A demonstrated track record of operating independently in ambiguous, fast-paced environments, making sound, risk-based decisions with incomplete information.
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.
Self-directed with strong strategic thinking and problem-solving skills; comfortable being the compliance voice in the room on card-specific questions.

Compliance certifications
Hands-on experience with card network rules (e.g., Visa, Mastercard) is a big plus

Monthly stipends for health, wellness, and tech spending
100% subsidized medical coverage, dental, and vision for employees and their dependents
Flexible time off and generous holiday calendars
Employee stock purchase plan (ESPP)

Remote-first with flexibility built in, available in Remote US and Remote Canada.
Some positions may occasionally require in-person work at an Affirm office.