Company Overview:
At Snap Finance, we believe everyone deserves access to the things they need, regardless of credit history. Since 2012, we've used data, machine learning, and a more human approach to create flexible financing solutions that help people move forward. We're proud of our inclusive, supportive culture, built on empowering our customers, partners, and team members alike. When our people thrive, so does our innovation.
If you're looking to make an impact and grow with a team that values you, come join us!
Job Description
The Director, Compliance Policies, Procedures & Training is responsible for leading the development, maintenance, review, and implementation of the organization’s compliance policies, procedures, and training program.
This role serves as a subject-matter expert and advisor to product, operations, risk, and compliance leaders. The Director translates complex federal and state consumer financial laws and regulations into clear, practical, and risk-based requirements that can be consistently implemented across the enterprise.
The position is responsible for supporting compliance across closed-end and open-end consumer lending products and for developing enterprise-wide compliance training that is relevant to the organization’s products, services, processes, and employee responsibilities.
How you'll make an impact:
Compliance Policies and Procedures
- Lead the full lifecycle of compliance policies and procedures, including development, drafting, review, approval, communication, periodic reassessment, and retirement.
- Review business-line policies, procedures, job aids, workflows for compliance with applicable legal and regulatory requirements.
- Establish consistent standards for policy and procedure content, ownership, version control, review frequency, approval, and documentation.
- Partner with business and functional stakeholders to ensure policies and procedures accurately reflect actual operating practices.
- Maintain appropriate documentation to support management of audits, regulatory examinations, and management reporting.
- Serve as a point of escalation for complex consumer lending compliance questions.
Relevant areas of knowledge may include the Equal Credit Opportunity Act and Regulation B, Truth in Lending Act and Regulation Z, Fair Credit Reporting Act, UDA(A)P, debt-collection requirements, privacy and information-sharing requirements, Military Lending Act, Servicemembers Civil Relief Act, Telemarketing Sales Rule, Telephone Consumer Protection Act, electronic funds transfers, electronic-signature requirements, and applicable state consumer lending laws.
Compliance Training
- Design, develop, implement, and maintain enterprise-wide compliance training programs.
- Create training for employees across business lines, including training applicable to closed-end and open-end consumer lending products.
- Translate regulations, policies, procedures, examination findings, monitoring results, complaints, and emerging risks into digestible content.
- Partner with subject-matter experts and business leaders to ensure training is accurate, timely, understandable, and aligned with operational responsibilities.
- Establish training requirements, learning objectives, proper assignment, completion standards, escalation processes, and methods for measuring effectiveness.
- Coordinate new-hire, annual, targeted, remedial, and regulatory-change training.
- Maintain training records and reporting necessary to demonstrate completion, accountability, and program effectiveness.
What you'll need to succeed:
- Bachelor’s degree in business, finance, compliance, legal studies, or a related field, or equivalent combination of education and experience.
- Significant experience in financial-services compliance, preferably within consumer lending, banking, credit, fintech, or another highly regulated financial-services environment.
- Demonstrated experience writing, reviewing, implementing, and maintaining compliance policies and procedures.
- Demonstrated experience developing and delivering compliance training to employees at multiple levels of an organization.
- Strong knowledge of federal and state consumer lending laws and regulations.
- Excellent legal and regulatory analysis, writing, editing, communication, organization, and project-management skills.
- Ability to interpret complex requirements and convert them into clear, practical business processes and controls.
- Ability to influence stakeholders and work effectively across business, product, operations, legal, risk, and compliance functions.
What would make you stand out:
- Ten or more years of progressive compliance experience, including substantial experience supporting consumer lending products and processes.
- Experience across a broad range of closed-end and open-end consumer lending products, such as installment loans, credit cards, retail installment contracts, lease-to-own financing, or other consumer credit products.
- Demonstrated experience leading an enterprise-wide compliance policy, procedure, and training program.
- Certified Regulatory Compliance Manager (CRCM), another comparable professional compliance certification, or Juris Doctor is preferred.
- Fair Lending Program and model risk management experience will be viewed favorably.
Why Join Us:
Generous paid time off
Competitive medical, dental & vision coverage
401K with company match for US
Company-paid life insurance
Company-paid short-term and long-term disability
Access to mental health and wellness resources
Company-paid volunteer time to do good in your community
Legal coverage and other supplemental options
A value-based culture where growth opportunities are endless
More:
Snap values diversity and all qualified applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status. Learn more by visiting our website at www.snapfinance.com.
California Residents, please review our California Consumer Privacy Act Notice at https://snapfinance.com/ccpa-notice
Skills Required
- Bachelor's degree in business, finance, compliance, legal studies, or a related field, or equivalent education and experience
- Significant experience in financial services compliance, preferably in consumer lending, banking, credit, fintech, or another highly regulated financial-services environment
- Experience writing, reviewing, implementing, and maintaining compliance policies and procedures
- Experience developing and delivering compliance training to employees at multiple organizational levels
- Strong knowledge of federal and state consumer lending laws and regulations
- Legal and regulatory analysis, writing, editing, communication, organization, and project-management skills
- Ability to interpret complex requirements and convert them into practical business processes and controls
- Ability to influence stakeholders and collaborate across business, product, operations, legal, risk, and compliance functions
- Ten or more years of progressive compliance experience, including substantial consumer lending experience
- Experience with closed-end and open-end consumer lending products, such as installment loans, credit cards, retail installment contracts, or lease-to-own financing
- Experience leading an enterprise-wide compliance policy, procedure, and training program
- Certified Regulatory Compliance Manager certification, comparable compliance certification, or Juris Doctor
- Fair Lending Program and model risk management experience
Snap Finance Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Snap Finance and has not been reviewed or approved by Snap Finance.
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Healthcare Strength — Health coverage and protection programs include medical, dental, vision, and company‑paid life, AD&D, and short‑ and long‑term disability, with mental‑health support highlighted in some locations. Benefits materials also emphasize additional wellness resources and private insurance options in certain geographies.
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Leave & Time Off Breadth — Time off is described as generous and flexible, with options like flexible PTO, paid holidays, and location‑specific extras such as an added birthday day and holiday purchase schemes. Enhanced paid parental, adoption, and shared parental leave for eligible employees further expands time‑off support.
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Retirement Support — Retirement programs include a 401(k) with company match and a pension scheme with employer contributions in the UK. These offerings signal structured long‑term savings support across regions.
Snap Finance Insights
What We Do
Snap Finance is a rapidly growing digital-finance company that specializes in providing consumer financing and rent-to-own purchase options. This company is technology driven; the IT platform is the backbone for running our operations and is critical to driving cost efficiency. With over 10 years of experience in the financial industry, Snap provides merchandise financing to brick and mortar as well as e-commerce merchants. The Snap lease-purchase agreement is an innovative financial product which gives the 40% of consumers with poor credit an alternative to payday loans and other high-risk financial products to acquire needed or desired merchandise. Snap Finance secured the largest bank revolving credit facility ever for a private consumer lease-to-own company. The credit facility from BMO Harris Bank will enable Snap Finance to service more than $1 billion in lease-to-own finance agreements.
