• Understanding of US banking laws and regulation analysis in areas of focus across the consumer lending space, privacy, and financial crime sanctions
• A passionate critical thinker looking to build and collaborate 
• Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office 

Start your adventure with Zip 

Our Legal & Compliance team’s goal is to support Zip's mission of creating a world where people can live fearlessly today by meeting a myriad of ever-changing requirements from a variety of regulatory authorities, banking partners and managing Zip's risks well within our risk appetite. The L&C team encompasses Financial Crimes & Compliance, Consumer Compliance, Legal, Privacy Testing & Monitoring and Risk Management specialties. We provide legal, regulatory & risk management guidance and support across all business areas at Zip by identifying risk and ensuring compliance with industry standards, relevant laws and regulations, industry best practices and corporate policies. 

As a Compliance Manager you will help evaluate Zip Co US, Inc.'s services and operations for compliance issues and design and implement a national/international compliance program. You will play  an integral role in ensuring compliance with FTC/CFPB regulations and other applicable consumer protection law regulations for all of Zip Co US, Inc.'s offices and business; assess, identify, monitor, and document regulatory risks; develop compliance controls and provide guidance that balances regulatory requirements, risk mitigation and business objectives

Interesting problems you’ll get to solve

• Update, and implement compliance policies and procedures
• Help CO develop the annual Testing & Monitoring program, execute the testing scripts, report findings, and track gaps identified for resolution
• Participate in  all regulatory audits, including conducting annual internal compliance audits, and other regulatory matters
• Assist the CO to develop, administer, and update in collaboration with the People team Zip Co US, Inc.'s regulatory and privacy training programs and create additional policies and procedures to implement applicable internal policy or the requirements of regulations applicable to Zip Co US, Inc.
• Monitor and ensure enforcement of any violations of Zip Co US, Inc.'s regulatory policies
• Assist with annual Compliance Meeting preparation in the U.S. 
• Manage any regulatory approvals or licenses required for the business, including concerning opening new offices or entering new markets
• Review social media usage and public Zip Co US, Inc. communication procedures for compliance with fair lending and advertising rules
• Identify potential areas of compliance vulnerability and risk and coordinate mitigation strategies with business unit owners
• Coordinate with People team and others as appropriate to develop an effective compliance training program to include appropriate new team member training as well as ongoing consumer compliance training for all team members
• Oversee the periodic analysis of lending and denial activity to document fair lending risks
• Consult with product and risk team leaders to identify risks, best practices, and expectations about equal credit, fair credit reporting, fair lending laws, and unfair and deceptive practices
• Oversee the development and distribution of training materials for necessary employees and job functions, including fair lending laws and regulations and guidance for mitigating risks of engaging in unfair and deceptive practices
• Assist in coordinating with lending lines of business to evaluate proposed business changes, including new or modified products/services, new or modified policies, procedures, processes, or systems to ensure compliance with applicable fair lending-related laws and regulations as directed by the CO
• Oversee ongoing reviews of consumer complaints, advertisements, loan approval, and denial documentation, and all applicable consumer-related forms for fair banking risks

What you’ll bring to the team 

• 3-5+ years of demonstrated strong consumer compliance program management experience
• Bachelor’s degree from a four-year college required, J.D. or other relevant advanced degree preferred, or equivalent combination of education and experience
• Certified Regulatory Compliance Manager (CRCM) and/or Certified Anti-Money Laundering Specialist (CAMS), or other relevant third-party certifications, preferred
• Experience with Privacy Regulations (GDPR or CCPA) 
• State Licensing preferred but not required
• Analytical Skills - Synthesizes complex or diverse information; collects and researches data; uses intuition and experience to complement data; Designs workflows and procedures
• Project Management Experience - Develops project plans; Coordinates projects; Communicates Willingness to travel as needed for business purposes

What you’ll get in return

Zip is a place where you’ll get out what you put in. The newness of our sector means we need to move at pace and embrace change, and our promise to you when you join the team is that you’ll feel empowered and trusted to make big things happen quickly. 

We want you to feel welcome and as though you have the support to be yourself, and care for yourself at work. Because it’s important to us that you make the most of the opportunities you’ll get to grow your skills and your career and be surrounded by smart, friendly people and leaders that have your back.

We think these are just some of the best things about being a Zipster. We will also offer you:

• Flexible working culture
• Incentive programs
• 20 days of PTO every year
• Generous paid parental leave
• Leading family support policies
• 100% employer covered insurance
• Beautiful Union Square office with a casual dress code
• Learning and wellness subscription stipend
• Company-sponsored 401k match

The annual base Pay Range for this position is $114,000 - $130,000. This range reflects our *US National (USN) and Premium Location band (US2). Different bands may apply based on our tiered premium strategy if residence is outside of the New York City Tri-State Area

Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or equity awards, in addition to a full range of medical, financial, and/or other benefits. 

If hired, employees will be in an 'at-will position' and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation or benefit program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors.

Be a part of a team that reflects the diversity of our customers

We pride ourselves on being a workplace that provides equal opportunities to people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and everything else that makes you unique.

Equally, we’re committed to ensuring our recruitment processes are accessible and inclusive. Please let us know If there are any adjustments that need to be made to ensure you have a fair and equitable experience. Zip participates in the federal government’s E-Verify program

And finally…get to know us

Zip is a global ‘Buy Now, Pay Later’ company that gives our millions of customers simpler and fairer ways to pay. 

We are proud to be a global business built around our US and ANZ core markets working with merchant partners including Amazon, Best Buy, eBay and Uber. United by our mission, purpose and values - Customer First, Own It, Stronger Together & Change The Game - we are the next generation of payments, helping people across the globe to fearlessly take control of their financial future.

We are Zip, and we are just getting started.

I acknowledge by clicking "Submit Application", that the information provided is true and correct. I also understand that any willful dishonesty may render for refusal of this application or immediate termination of employment. By providing your information, you acknowledge that you have read our Zip Applicant and Candidate Privacy Notice and authorize Zip to process your data subject to those terms

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