Senior Consumer Compliance and Payments Lead
Esusu
full-time
Posted on:
Location Type: Remote
Location: United States
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Salary
💰 $150,000 - $163,000 per year
Job Level
About the role
- The Consumer and Payments Compliance Lead is responsible for designing, implementing, and overseeing Esusu’s consumer and payments compliance program.
- This role provides subject-matter expertise on U.S. consumer financial regulations and payment network rules (e.g., Regulation E, NACHA Operating Rules, card network rules, UDAAP, privacy, and state consumer protection requirements).
- Serve as a primary liaison to our bank partners and payment vendors on compliance matters.
- The role sits within the Risk & Compliance Management Department and operates as a second line of defense, partnering closely with Legal, Operations, Product and other internal and external partners to ensure that Esusu’s consumer-facing products and payment flows remain compliant, well-controlled, and aligned with industry best practices.
Requirements
- Degree and or certifications in Business, Compliance, Audit, Risk Management, or related field, or equivalent practical experience.
- Significant, senior-level experience in compliance, legal, or risk management experience in financial services, fintech, banking, or payments, with significant exposure to U.S. consumer protection and/or payments regulations.
- Demonstrated expertise applying Regulation E, NACHA Rules, UDAAP, FCRA, and related consumer and payments requirements in a business environment.
- Deep understanding of payment clearing, settlement and regulatory requirements.
- Experience working in or with a second line of defense risk/compliance function, including advising first line teams and providing independent challenge.
- Strong track record of building and maintaining policies, procedures, and control frameworks and performing monitoring/testing over compliance controls.
- Excellent written and verbal communication skills, with the ability to translate complex regulatory requirements into clear, actionable guidance for non-technical stakeholders.
- Proven ability to manage multiple priorities in a fast-paced, high-growth environment and to work effectively with cross-functional teams and external partners.
Benefits
- 💵Competitive Salary - for Series C - $150,000 – $163,000 annually
- 📈Equity - a significant RSU grant with vesting over four years, accelerated upon a sale or IPO.
- ✅Remote first work environment - Where we trust you to get your work done.
- 🌴Generous PTO – Enjoy a generous time off policy and 14 company wide paid holidays.
- 🩺Premium Health Coverage – Comprehensive medical, dental, and vision insurance.
- 💳Partial-Employer Funded Health Savings Account - Available for High Deductible Plans.
- 🍼Paid Parental Leave – 12 weeks of 100% pay to support growing families.
- 💰Retirement Plans – Secure your future with our competitive 401(k) offerings, including a 4% company match (for US only).
- 🎓Tuition Reimbursement – For qualified programs to complement work experience.
- 📚Professional Development Stipend – To support your continued growth and learning.
- 🤝In person and virtual team get togethers - To connect with your fellow Esusu colleagues.
- 📈Free Credit Building Benefit - Build your credit score for free as an Esusu employee.
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
Regulation ENACHA Operating RulesUDAAPFCRAcompliance program designrisk managementpolicy developmentcontrol frameworksmonitoring/testing compliance controlspayment clearing and settlement
Soft Skills
communication skillsability to translate complex requirementsprioritizationcross-functional collaborationindependent challengerelationship managementproblem-solvingadaptabilityattention to detailstakeholder engagement
Certifications
degree in Businessdegree in Compliancedegree in Auditdegree in Risk Management