Compliance Program Director, Wisetack

• 10+ years of experience in compliance, risk, audit, legal, or program management within consumer finance, fintech, marketplace lending, embedded finance, or a bank-partner environment
• Strong working knowledge of consumer lending, UDAAP, and fair lending concepts, with practical experience translating requirements into controls, procedures, testing, and launch guidance
• Meaningful experience with BSA/AML/OFAC governance, including CIP/KYC, suspicious activity escalation, sanctions oversight, training, and control documentation
• Track record building or improving compliance monitoring, testing, issue management, complaints governance, board or committee reporting, or regulatory change management
• Ability to work cross-functionally, influence senior stakeholders, and bring structure to complex operational environments
• Excellent writing, documentation, and communication skills, with strong judgment and attention to detail
• A high-ownership mindset and a bias toward action. You know how to raise standards, make decisions, and move work forward without creating unnecessary drag

Desirable

• As Compliance Program Director, you’ll own the day-to-day execution and continuous improvement of Wisetack’s compliance management system across the lending lifecycle
• This is a hands-on leadership role for someone who can move quickly, make sound calls, and turn regulation into practical controls that work for a two-sided business: home services merchants using financing to win and complete bigger jobs, and consumers using clear, transparent pay-over-time options for repairs and upgrades
• You’ll sit at the center of merchant onboarding, marketing oversight, application and disclosure flows, servicing, complaints, collections, partner oversight, and product change management
• Wisetack publicly emphasizes fair and transparent financial products, customer-first thinking, acting fast, and ownership; this role is responsible for making those values real as the business scales
• Success in this role looks like a program that stays credible under growth and scrutiny: risk assessments are current and tied to monitoring priorities, reporting helps leaders and partner banks act quickly, issues are remediated with clear ownership, and BSA/AML and OFAC controls remain well documented, monitored, and easy to defend
• Lead day-to-day execution and continuous improvement of Wisetack’s compliance management system across the lending lifecycle, from merchant onboarding and marketing oversight through application intake, disclosures, servicing, complaints, collections, and partner-bank expectations
• Serve as Wisetack’s designated BSA Officer, overseeing the BSA/AML/OFAC compliance framework, including governance, procedures, control documentation, and program reporting
• Maintain and enhance the enterprise compliance risk assessment, regulatory applicability mapping, and risk-based monitoring and testing program so that risk ratings clearly drive control validation, remediation, and reporting priorities
• Build practical management reporting for leadership, governance committees, board-level audiences, and partner banks, including KRIs, testing results, complaint trends, remediation status, and material compliance developments
• Oversee compliance issue management, including root cause analysis, corrective actions, validation, closure, and audit or partner-bank remediation tracking
• Partner with Product, Engineering, Operations, Servicing, Fraud, Legal, Capital Markets, and Risk to support change management, control design, and launch readiness for new products, features, workflow changes, and program updates
• Support merchant and third-party oversight by helping define control requirements, escalation triggers, monitoring expectations, evidence standards, and remediation pathways
• Maintain and improve risk assessments, procedures, and testing routines related to CIP/KYC, sanctions screening, suspicious activity escalation, quality assurance review, and record retention
• Monitor BSA/AML and OFAC KRIs, operational queues, aging, exception trends, investigation timeliness, complaint trends, and third-party performance; escalate material issues and emerging risks to senior management quickly
• Support filing governance, case documentation, and cross-functional escalation processes involving Fraud, Operations, Servicing, and partner-bank stakeholders
• Coordinate compliance and BSA/AML training administration, evidence retention, and remediation work arising from audits, internal testing, partner-bank review, or control breakdowns
• Help ensure controls remain appropriate for Wisetack’s embedded lending model, merchant channel, third-party environment, and role in processing and servicing bank-originated consumer loans