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
Snap Finance is seeking an experienced Manager of Card Compliance Operations to join our growing Seen Card Risk & Compliance team. This role is ideal for someone with a strong foundation in U.S. consumer credit card laws and regulations who enjoys partnering with legal, operations, bank partners, and business leaders to ensure regulatory obligations are met with precision and consistency.
Reporting to the Head of Card Risk & Compliance, the Manager, Card Compliance Operations will oversee the day-to-day execution of critical compliance and legal support functions for our credit card business. This individual will serve as a trusted advisor across the organization, helping ensure regulatory requests are handled accurately, customer issues are appropriately resolved, and our compliance program continues to operate at the highest standards.
While this position may be performed remotely within the Continental United States, candidates located in the Salt Lake City or Chicago metropolitan areas are preferred.
How you'll make an impact:- Manage and oversee debt validation and cease-and-desist reviews to ensure compliance with applicable federal and state consumer protection laws.
- Review and respond to customer complaints and support the Voice of Customer (VOC) team submissions, identifying trends and partnering with stakeholders to drive corrective actions.
- Coordinate responses to subpoenas, record collection requests, attorney inquiries, document requests, and other legal process.
- Review, coordinate, and fulfill law enforcement requests, including search warrants and other legal demands.
- Serve as a Records Custodian for regulatory, legal, and litigation matters.
- Track, review, and facilitate closure of compliance issues in partnership with cross-functional stakeholders.
- Coordinate recurring reporting for bank partners, including monthly service reviews, dashboards, issue reporting, and other governance materials.
- Manage and coordinate monthly testing requests and information requests from bank partners.
- Review and approve Knowledge Base (KB) content to ensure regulatory accuracy and operational consistency.
- Coordinate internal audits, regulatory examinations, and external audit requests, including tracking deliverables through completion.
- Provide day-to-day compliance consultation and guidance to business partners on operational and regulatory matters.
- Partner closely with Legal, Risk, Operations, Product, Customer Service, and bank partners to ensure compliance obligations are consistently met.
- Identify opportunities to improve processes, strengthen controls, and enhance the overall effectiveness of the Compliance Management System.
- Bachelor’s degree required.
- Minimum of 5–8 years of experience in compliance, legal operations, risk management, or audit within financial services.
- Significant experience supporting U.S. consumer credit card products, including private label and/or Visa/Mastercard programs.
- Strong working knowledge of applicable consumer financial laws and regulations, including but not limited to:
- Truth in Lending Act (TILA) / Regulation Z
- Fair Credit Billing Act (FCBA)
- Fair Debt Collection Practices Act (FDCPA)
- Fair Credit Reporting Act (FCRA)
- Electronic Fund Transfer Act (EFTA), where applicable
- UDAAP principles
- Relevant state consumer protection laws
- Experience managing legal requests such as subpoenas, attorney correspondence, search warrants, and document production.
- Familiarity with bank partner oversight and regulatory expectations within a fintech environment.
- Strong analytical, organizational, and problem-solving skills with exceptional attention to detail.
- Ability to manage multiple competing priorities in a fast-paced, highly regulated environment.
- Excellent written and verbal communication skills with the ability to influence stakeholders across all levels of the organization.
- Proven ability to build strong cross-functional relationships and exercise sound judgment when interpreting regulatory requirements.
- Certified Regulatory Compliance Manager (CRCM) designation strongly preferred.
- Experience working in a fintech or sponsor-bank environment.
- Experience supporting regulatory examinations, internal audits, and compliance issue management.
- Knowledge of Compliance Management System (CMS) principles and regulatory expectations.
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
- 5-8 years of experience in compliance, legal operations, risk management, or audit within financial services
- Significant experience supporting U.S. consumer credit card products, including private label and/or Visa/Mastercard programs
- Working knowledge of TILA/Regulation Z, FCBA, FDCPA, FCRA, EFTA, UDAAP, and relevant state consumer protection laws
- Experience managing subpoenas, attorney correspondence, search warrants, and document production
- Familiarity with bank partner oversight and regulatory expectations in a fintech environment
- Strong analytical, organizational, problem-solving, and attention-to-detail skills
- Ability to manage multiple competing priorities in a fast-paced, highly regulated environment
- Excellent written and verbal communication skills
- Ability to influence stakeholders and build cross-functional relationships
- Sound judgment when interpreting regulatory requirements
- Certified Regulatory Compliance Manager (CRCM) designation
- Experience working in a fintech or sponsor-bank environment
- Experience supporting regulatory examinations, internal audits, and compliance issue management
- Knowledge of Compliance Management System (CMS) principles and regulatory expectations
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.
