At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most.
The Legal, Compliance, and Public Affairs team is a group of dedicated professionals committed to helping Affirm scale, innovate, and provide outstanding products for consumers, merchants, and key partners. We combine legal, compliance, and policy expertise to guide growth, shape products, and build trust across our ecosystem. Our work spans multiple professional disciplines and provides the foundation for Affirm’s mission to deliver honest financial products.
About the role
Affirm is seeking a Compliance Manager to own compliance advisory for the Affirm Card program. You'll make independent, risk-based calls across card marketing, onboarding, disputes, and remediation, partnering with Product, Engineering, and Operations to ship card features that are compliant and built to last.
What you'll do
Own end-to-end compliance advisory for the Affirm Card program, including card marketing, checkout, onboarding, wallets (Apple Pay, Google Pay), disputes, and servicing, partnering directly with Product, Engineering, and Operations throughout the development lifecycle
Bring an appetite for the unknown: much of what we build on Card is genuinely new and without precedent, and you take on that ambiguity rather than wait for a playbook
Apply sound judgment under EFTA (Reg E), TILA (Reg Z)/CARD Act, UDAAP, to navigate novel regulatory questions, escalating only where it's genuinely warranted
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 (e.g., disputes, adverse action notices, declines) through to sustainable closure, prioritizing durable fixes over one-off patches so issues don't recur
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
What we look for
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; compliance certifications a plus
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; hands-on experience with card network rules (e.g., Visa, Mastercard) is a big plus
A demonstrated track record of operating independently in ambiguous, fast-paced environments, making sound, risk-based decisions with incomplete information and escalating only when it truly requires it
Comfortable partnering closely with Product from the early stages of a build, whether a new product, feature, or servicing program, in fast-paced, ambiguous environments
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, including presenting to senior leadership and leadership committees
Inquisitive and proactive in identifying problems and proposing practical, business-aware solutions
Base Pay Grade - L
Equity Grade - 6
Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills. Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.)
USA base pay range (CA, WA, NY, NJ, CT) per year: $165,000 - $225,000
USA base pay range (all other U.S. states) per year: $146,000 - $206,000
Please note that visa sponsorship is not available for this position.
#LI-Remote
Remote-first with flexibility built in
Affirm is proud to be a remote-first company. Most roles can be done from almost anywhere within the country of employment. Some positions may occasionally require in-person work at an Affirm office, and a few are office-based due to the nature of the work. All new hires will be invited to attend an in-person onboarding experience.
Benefits designed for you
Our benefits reflect our commitment to care, transparency, and flexibility. Here are a few highlights:
- Health coverage at no cost: We cover 100% of premiums for employees and their dependents.
- Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you.
- Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to.
- Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount.
We’re committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we’re happy to help.
For positions based in San Francisco or Los Angeles: Affirm considers qualified applicants with arrest and conviction records, as required by law.
By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and consent to the use of your personal information as described.
Skills Required
- Bachelor's degree and 8+ years of compliance advisory experience in financial services, including meaningful card or payments experience
- Master's degree with 6+ years of relevant experience, PhD with 3+ years, or equivalent experience may substitute for the bachelor's and experience requirement
- Deep working knowledge of EFTA Regulation E and TILA Regulation Z/CARD Act as applied to card products
- Familiarity with TISA Regulation DD and UDAAP
- Ability to operate independently in ambiguous, fast-paced environments and make risk-based decisions
- Experience partnering with Product, Engineering, and Operations on financial products, features, or servicing programs
- Experience leading root-cause analysis and sustainable remediation of compliance issues
- Experience advising stakeholders on card, lending, or payments programs
- Strong verbal and written communication skills, including presenting complex regulatory issues to non-compliance audiences and senior leadership
- Strategic thinking, problem-solving, initiative, and ability to propose practical business-aware solutions
- Hands-on experience with card network rules such as Visa and Mastercard
- Compliance certifications
What the Team is Saying
Affirm Compensation & Benefits Highlights
-
Healthcare Strength — Health insurance is described as comprehensive, with fully paid medical, dental, and vision premiums and low copays in some plans. Mental-health programs are explicitly included as part of the global benefits offering.
-
Parental & Family Support — Parental leave is presented as 18 weeks for birth and non-birth parents with a 4-week full-pay return-to-work transition. Family-forming support such as fertility, egg freezing, adoption assistance, and a dedicated spending wallet is also offered.
-
Leave & Time Off Breadth — Time off includes flexible or unlimited PTO and sick time for many roles. The package also features 20 company-wide paid Away Days that add collective rest to the standard leave mix.
Affirm Insights
What We Do
At Affirm, we help people say yes to the things that matter with flexible, transparent ways to pay over time. No hidden fees, no compound interest, and no fine print—just a smarter way to spend.
Why Work With Us
Who is an Affirmer? /noun/ Someone who believes finance shouldn’t be complicated. We come from a diverse set of backgrounds and we’re driven by the desire to improve lives through honest financial products. We define success by challenging one another to bring our best ideas to every single project—and we have fun while doing it.
Gallery
.jpg)
Affirm Offices
Remote Workspace
Employees work remotely.
Affirm is a remote-first company! Our employees can work anywhere in the U.S. but if an office is more your style, we have office locations in San Francisco, Chicago, New York City, and Pittsburgh.
