Head of Risk and Compliance

Collectors

Head of Risk & Compliance overseeing regulatory and fraud strategies at Collectors' service. Leading compliance programs and risk frameworks across multiple business units.

Posted 7/7/2026full-timeRemote • California, Florida, New Jersey, Texas • 🇺🇸 United StatesLead💰 $197,217 - $280,146 per yearWebsite

About the role

Key responsibilities & impact

Compliance management system. Design, implement, and own the end-to-end compliance management system (CMS) for the FS business — governance, policies and procedures, monitoring and testing, complaint management, issue remediation, and change management
Consumer lending regulatory framework. Build the program to comply with applicable lending regulations, including TILA / Regulation Z, ECOA / Regulation B and fair-lending obligations, FCRA / credit-reporting requirements, UDAAP standards, GLBA privacy and safeguards, SCRA / Military Lending Act considerations, FDCPA-aligned servicing and collections practices, and state usury and rate limitations
Licensing & regulatory strategy. Determine and execute the licensing approach (e.g., state lending / financing licenses or a bank-partnership model), maintain the licensing calendar, and serve as the primary relationship owner for regulators and examiners
BSA / AML & sanctions. Stand up the AML program for the lending business - KYC / CIP, customer due diligence, transaction monitoring, OFAC / sanctions screening, and SAR governance - and ensure consistency with marketplace AML obligations
Bank-partner & third-party oversight. Where products are delivered through a sponsor bank or other partners, own the partner-oversight and vendor-risk program to meet third-party risk-management expectations
Credit & collateral risk governance. Partner with FS product and finance leaders on underwriting policy, credit-risk appetite, LTV and concentration limits, and, for asset-backed lending, collateral valuation, custody controls, and default / liquidation procedures for vaulted assets
Enterprise fraud strategy. Define and own the fraud-prevention strategy across Marketplace and Power Packs, balancing loss reduction against customer friction and conversion
Detection & decisioning infrastructure. Build and tune the fraud-detection stack — rules engines, machine-learning models, device and identity signals, and manual-review workflows — in partnership with Product and Engineering
Fraud typologies. Identify and address the full set of marketplace risks: payment fraud and chargebacks, account takeover, seller and listing fraud, counterfeit / authenticity and slab-tampering abuse, collusion and shill activity, promotion abuse, and laundering of value through high-worth collectibles
Power Packs & chance-based product compliance. Own the risk and compliance posture for randomized / chance-based offerings — odds disclosure and transparency, eligibility and age controls, sweepstakes / gaming and state-by-state regulatory analysis, and terms-of-service alignment — working closely with Legal
Fraud operations & metrics. Establish the fraud-operations function and case management, define loss and chargeback KPIs, and report fraud rates, recoveries, and false-positive impact to leadership
Risk framework & appetite. Establish the enterprise risk framework, risk-appetite statements, and key risk indicators spanning the FS and marketplace mandates
Leadership & Board reporting. Produce clear, decision-ready risk and compliance reporting for the SVP of Financial Operations, the executive team, and — as appropriate — the Audit / Risk Committee of the Board
Audit & examination readiness. Maintain documentation, controls evidence, and a state of readiness for internal audit, external audit, regulatory examination, and IPO-related diligence; coordinate with SOX and internal-controls efforts
Policy, training & culture. Author enterprise risk and compliance policies, deliver targeted training, and embed a practical risk-aware culture across product and operating teams
Cross-functional partnership. Operate as a trusted partner to Legal, Finance, Marketplace, FS Product, Engineering, Trust & Safety, Customer Service, and the grading brands — turning requirements into controls the business can actually run
Team building. Recruit, structure, and lead the Risk & Compliance team, scaling headcount and managed-services support in line with the FS roadmap and fraud-volume growth.

Requirements

What you’ll need

12+ years of progressive experience in risk and compliance, with senior leadership tenure spanning both regulated consumer lending / fintech and payments or marketplace fraud
Demonstrated, hands-on knowledge of the U.S. consumer-lending regulatory framework (TILA / Reg Z, ECOA / Reg B, FCRA, UDAAP, GLBA, state licensing and usury) and of BSA / AML, KYC, and OFAC requirements
Track record building a compliance management system or fraud-prevention function from an early stage and scaling it — not solely operating a mature, inherited program
Experience leading fraud strategy and detection in a high-volume, high-AOV consumer environment, working directly with data, product, and engineering teams on rules and ML-based decisioning
Strong executive communication: able to brief the finance leadership team and Board-level audiences and to influence product and engineering roadmaps
Proven people leader who has built and developed teams, with the credibility to own regulator and examiner relationships.

Benefits

Comp & perks

Health Insurance: All full-time employees are eligible to enroll in Medical, Dental, and Vision
Additional Benefits: Full-time employees are eligible for fertility, commuter, and educational assistance benefits
401(K) Matching Plan: We are proud to offer a competitive 401k matching plan to our employees to support their future financial goals
Vacation: All salaried employees are eligible for flexible time-off
Holiday Pay: All regular, full-time employees are eligible for ten company paid holidays
Employee Discounts: Employees receive discounts on select grading services for approved submissions
Flexible Hours: Many of our teams offer flexible schedules with varying shifts and will work with you to accommodate your needs
Fun Working Environment: Our team members are invited to participate in celebrations, holiday events, and team building activities

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

TILA / Regulation ZECOA / Regulation BFCRAUDAAPGLBABSA / AMLKYCOFAC ComplianceMachine Learning DecisioningRisk Framework Development

Soft Skills

Strong CommunicationLeadershipCross-Functional CollaborationInfluencing SkillsProblem Solving