Compliance Associate

Work Modality: Remote

Schedule: Monday to Friday | 8:00 AM – 5:00 PM PST

English Level: Advanced (9.0–10.0)

Experience Level: Mid-Senior

Company Overview

Our client is a specialty finance company enabling merchants across several industries to grow their businesses through point-of-sale financing. We are hiring a Compliance Associate to support our Compliance Officer on all aspects of compliance and risk across the organization. This is a high-visibility role, working closely with a member of our executive team.

Role Summary

The Compliance Associate will ensure adherence to federal and state consumer finance laws, maintain compliance frameworks, and support risk management initiatives. This position requires strong attention to detail, excellent organizational skills, and the ability to manage multiple priorities in a fast-paced environment.

Qualifications and Skills

Required:

• Strong attention to detail with exceptional organizational skills.
  
• Ability to meet strict monthly deadlines while managing multiple priorities.
  
• Effective written and verbal communication skills, with the ability to explain complex issues clearly.
  
• Proficiency in Microsoft Excel and Microsoft Teams.
  
• Comfortable working independently and collaboratively in a cross-functional environment.
  

Experience:

• Minimum 2 years in a compliance role, ideally within consumer finance (including debt buying, sales finance, loan servicing, and/or debt collections) for a US-based bank, private lender, or finance company.
  
• Demonstrated success in process improvement and problem-solving at the root cause.
  

Education

• Bachelor’s degree preferred or equivalent experience in compliance or finance-related roles.
  

Key Responsibilities

Regulatory Oversight and Risk Management

• Interpret and apply relevant federal and state consumer finance laws, including:
  

  • Truth in Lending Act (TILA)
    
  • Fair Debt Collection Practices Act (FDCPA)
    
  • Fair Credit Reporting Act (FCRA)
    
  • Fair Lending (ECOA)
    
  • California Consumer Financial Protection Law (CCFPL)
    
  • Rosenthal Fair Debt Collection Practices Act (RFDCPA)
    
  • Debt Collection Licensing Act (DCLA)
    
  • CCPA/CPRA and related data privacy laws
    
• Maintain awareness of regulatory changes and enforcement trends; communicate operational impacts.
  
• Conduct annual review of compliance policies, procedures, and internal controls, enhancing when necessary.
  

Monitoring, Testing, and Reporting

• Execute compliance testing and report findings in a clear, actionable format.
  
• Monitor reporting and recommend improvements.
  
• Track remediation of compliance issues through resolution and maintain detailed audit documentation.
  
• Support the Compliance Officer in identifying and mitigating potential compliance or operational risks.
  

Regulatory Interaction and Documentation

• Assist in response preparation for regulatory and state examinations.
  
• Research state licensing requirements for various business units.