Compliance & Risk Testing Manager

• 5-7 years of compliance, risk, controls testing, or second line oversight experience within regulated financial services, fintech, banking, lending, or payments environments
• Strong experience executing compliance testing programs (TILA, UDAAP, FCRA, etc.), evaluating control effectiveness, and identifying regulatory and operational risk gaps
• Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office 

Start your adventure with Zip 

Zip is looking for a Compliance & Risk Testing Manager to join our Compliance & Risk organization and help strengthen our second line oversight capabilities across our bank partner compliance programs and internal control environment. This role will play a critical part in assessing the effectiveness of controls, identifying gaps and emerging risks, and helping drive a strong culture of compliance and accountability across the business.

You will partner closely with Compliance, Risk, Product, Operations, Legal, and business stakeholders to execute testing activities that evaluate adherence to regulatory obligations, bank partner requirements, and internal policies and procedures. This role is ideal for someone who thrives in fast-paced and highly regulated environments, has strong analytical and investigative capabilities, and brings a proactive mindset toward continuous improvement and scalable risk management practices.

Our Compliance & Risk team operates as a strategic partner to the business, enabling sustainable growth while maintaining strong governance and customer trust. We are looking for someone who combines deep testing and controls expertise with curiosity, collaboration, and operational rigor.

Interesting problems you’ll get to solve OR Write your story with a career at Zip

• Lead and execute second line compliance and controls testing activities across key business processes and regulatory obligations
• Assess the design and operational effectiveness of controls tied to bank partner requirements, regulatory expectations, and internal policies
• Identify control gaps, compliance risks, and process weaknesses and provide actionable recommendations for remediation
• Partner cross-functionally with Compliance, Risk, Product, Operations, Legal, and business teams to validate corrective actions and strengthen controls
• Support the development and enhancement of risk-based testing methodologies, testing scripts, and reporting frameworks
• Analyze testing results, identify trends and root causes, and communicate findings clearly to stakeholders and leadership
• Monitor remediation activities and validate closure of identified issues and action plans
• Contribute to ongoing governance initiatives that improve risk visibility, operational discipline, and compliance maturity
• Leverage data, reporting tools, and emerging technologies including AI-enabled analysis tools to improve testing efficiency, monitoring, and issue identification
• Help foster a strong risk and compliance culture aligned with Zip’s values of Customer First, Own It, Stronger Together, and Change the Game

What you’ll bring to the team 

• 5-7 years of experience in compliance testing, controls testing, internal audit, risk management, or second line oversight within fintech, banking, payments, lending, or other regulated financial services environments
• Strong understanding of compliance risk management frameworks, controls testing methodologies, and regulatory oversight practices
• Experience evaluating operational and compliance controls tied to bank partner oversight requirements
• Demonstrated ability to identify control weaknesses, assess root causes, and drive remediation accountability across stakeholders
• Experience working cross-functionally in fast-paced and evolving environments with multiple priorities and stakeholders
• Strong analytical and investigative skills with the ability to synthesize complex information into clear findings and recommendations
• Experience using data analysis, reporting, workflow, or GRC tools to support testing execution and issue management
• Familiarity with AI-enabled tools, automation capabilities, or data-driven testing approaches and the ability to apply technology thoughtfully within compliance and risk workflows
• Strong written communication skills with experience developing testing reports, issue summaries, and executive-ready documentation
• Bachelor’s degree in Business, Finance, Risk Management, Accounting, or a related field preferred

What you’ll get in return

Zip is a place where you’ll get out what you put in. The newness of our sector means we need to move at pace and embrace change, and our promise to you when you join the team is that you’ll feel empowered and trusted to make big things happen quickly. 

We want you to feel welcome and as though you have the support to be yourself, and care for yourself at work. Because it’s important to us that you make the most of the opportunities you’ll get to grow your skills and your career, and be surrounded by smart, friendly people and leaders that have your back.

We think these are just some of the best things about being a Zipster. We will also offer you:

• Flexible working culture
• Incentive programs
• Unlimited PTO
• Generous paid parental leave
• Leading family support policies
• Company-sponsored 401k match
• Learning and wellness subscription stipend
• Beautiful Union Square office with a casual dress code
• Industry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices available

Zip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations.

The annual base Pay Range for this position is $92,000 - $125,000. This range reflects our US national compensation band (USN). Additional premium percentages may apply based on our tiered premium strategy.

Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or commission awards, in addition to a full range of medical, financial, and/or other benefits. 

*Please note that visa sponsorship is not available for this position.

If hired, employees will be in an 'at-will position' and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation or benefit program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors.

Be a part of a team that reflects the diversity of our customers

We pride ourselves on being a workplace that provides equal opportunities to people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and everything else that makes you unique.

Equally, we’re committed to ensuring our recruitment processes are accessible and inclusive. Please let us know If there are any adjustments that need to be made to ensure you have a fair and equitable experience.

And finally…get to know us

Zip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people-centered products.

Operating in two core markets - Australia and New Zealand (ANZ) and the US, Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants. We’re proud to be a values-led business and our values - Customer First, Own it, Stronger Together and Change the Game - guide us in everything we do.

I acknowledge by clicking "Submit Application", that the information provided is true and correct. I also understand that any willful dishonesty may render for refusal of this application or immediate termination of employment. By providing your information, you acknowledge that you have read our Zip Applicant and Candidate Privacy Notice and authorize Zip to process your data subject to those terms. Zip participates in the federal government’s E-Verify program. #LI-Remote

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