Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest.
Affirm’s International Compliance team designs and implements compliance programs that proactively address regulatory requirements while identifying and mitigating compliance risks. As a second line of defence function, Compliance partners closely with the business to support new products, markets, and strategic initiatives while strengthening controls and delivering strong consumer outcomes.
As Regulatory Compliance Manager, Australia, you will lead the Australian regulatory compliance program. You will translate global compliance strategy into local execution, ensure applicable Australian regulatory and licensing obligations are met, and support responsible growth and strong consumer outcomes.
What You’ll Do
Australian Regulatory Program Ownership
- Own and oversee the Australian regulatory compliance framework for consumer credit and related financial services, including the National Consumer Credit Protection Act, National Credit Code, Privacy Act,, applicable licence conditions, and associated regulatory guidance.
- Maintain documented compliance arrangements that support Australian credit licence obligations and keep pace with regulatory change, including the rules applying to buy now pay later (low cost credit contracts) and consumer credit.
- Lead ASIC examinations, inquiries, information requests, licence interactions, and other supervisory engagement.
- Oversee timely and accurate regulatory notifications and reporting, including reportable situations, internal dispute resolution data, licence updates, and other applicable filings.
Risk Management & Controls
- Maintain the Australian regulatory obligations register and compliance risk assessment process, with clear ownership, controls, monitoring, and evidence.
- Set remediation priorities and oversee root-cause analysis, corrective actions, consumer remediation, and sustainable control improvements
- Monitor compliance metrics and risk indicators across responsible lending, product governance, complaints, hardship, collections, disclosures, marketing, and consumer outcomes.
- Assess incidents and breaches, oversee reportability decisions, and escalate material regulatory risks through local and global governance channels.
People Leadership
- Manage, coach, and develop a junior compliance professionals
- Set performance objectives aligned to global compliance priorities
- Allocate resources and manage workload across the function
- Drive accountability and performance management
Governance & Strategy Execution
- Translate global compliance strategy into Australian operational plans that reflect local laws, licence conditions, ASIC guidance, and regulatory priorities
- Prepare reporting for executive leadership and risk governance committees
- Own the regulatory change process from horizon scanning and impact assessment through implementation, assurance, and evidence of compliance
- Assess governance structures and recommend enhancements where needed
Cross-Functional Partnership
- Partner with Product, Legal, Credit, Marketing, Servicing and Operations, Privacy, Analytics and Engineering teams
- Provide practical regulatory guidance and challenge for new products and business initiatives, including licensing, responsible lending, product design and distribution, disclosures, complaints, hardship, collections, privacy, and advertising
- Influence complex compliance decisions affecting Australian strategy, customer journeys, product governance, and consumer outcomes
Scope & Impact
- Manages a compliance team within Australia
- Accountable for execution and continuous improvement of the Australian regulatory compliance program
- Exercises discretion in operational planning and resource allocation
- Decisions affect Australian licensing, regulatory posture, product and conduct risk, and consumer outcomes
- Impact horizon typically up to one year
What We Look For
Experience:
- 8+ years of regulatory compliance experience in an Australian regulated financial services, consumer credit, payments, or fintech environment. Prior people management experience required.
Expertise:
- Strong working knowledge of Australian consumer credit and conduct regulation, ASIC expectations, Australian credit licensing, responsible lending, product governance, complaints and breach-reporting requirements. Ability to translate regulatory interpretation into practical business decisions.
Leadership Capability:
- Demonstrated experience managing teams, setting priorities, and driving program execution.
Technical Skills:
- Experience leading regulatory change, obligations management, compliance monitoring and testing, breach and reportable-situations processes, complaints oversight, regulatory reporting, and remediation programs.
Attributes:
- Strong judgment and decision-making capability
- Ability to influence senior stakeholders
- Clear and concise executive communication skills
- Ability to operate effectively in a fast-paced fintech environment
Education:
- Bachelor’s degree required; relevant legal, compliance, risk, governance, or financial services qualification preferred.
Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.
We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include:
- Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents
- Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses
- Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge
- ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount
We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.
[For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records.
By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.
Skills Required
- 8+ years regulatory compliance experience in Australian regulated financial services, consumer credit, payments, or fintech
- Prior people management experience
- Strong working knowledge of Australian consumer credit and conduct regulation, ASIC expectations, Australian credit licensing, responsible lending, product governance, complaints and breach-reporting requirements
- Experience leading regulatory change, obligations management, compliance monitoring and testing, breach and reportable-situations processes, regulatory reporting, and remediation programs
- Bachelor's degree
- Ability to influence senior stakeholders, strong judgment, and clear executive communication skills
What the Team is Saying
Affirm Compensation & Benefits Highlights
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Healthcare Strength — Benefits include comprehensive medical, dental, vision, and robust mental‑health programs, with $0 employee medical premiums for certain plans. Feedback suggests this combination makes coverage both strong and cost‑effective.
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Parental & Family Support — Birth and non‑birth parents receive 18 weeks of fully paid leave plus a four‑week, full‑pay return‑to‑work transition, alongside family‑planning support. Feedback suggests these policies are a standout strength for those planning or growing families.
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Leave & Time Off Breadth — Generous/flexible PTO is augmented by 20 company‑wide Away Days and additional options like “Life Happens Leave.” Feedback suggests the mix enables both collective recharge and personal time away.
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.
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Affirm Offices
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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.
