Compliance Manager, SoFi

• The ideal candidate is a strong executor who thrives in dynamic environments, brings hands-on experience executing regulatory change management programs at a financial institution, and is skilled in translating complex regulations into actionable business guidance
• Bachelor’s degree in Business, Finance, Law, or related field
• Minimum of 6-8 years of experience in regulatory compliance, legal, or compliance risk management in a bank or financial services company
• Strong working knowledge of federal and state banking laws and regulations including, but not limited to, Reg Z, E, DD, CC, UDAAP, FCRA, BSA/AML, and Fair Lending
• Demonstrated success in implementing or managing regulatory change programs within a compliance or enterprise risk function
• Deep understanding of the CMS and 2LOD responsibilities including independence, credible challenge, documentation standards, and escalation protocols
• Excellent analytical, writing, and communication skills, with the ability to convert regulatory language into actionable and digestible guidance
• Highly organized and accountable; able to manage multiple priorities and tight deadlines with accuracy and clarity
• Strong stakeholder management and facilitation skills across lines of defense

Desirable

• We are seeking a highly motivated and experienced compliance professional to lead and execute regulatory change management activities as part of our enterprise Compliance Management System (CMS)
• This second line of defense (2LOD) role is responsible for maintaining an enterprise-wide regulatory change framework that monitors, assesses, documents, and operationalizes federal and state regulatory developments
• This role supports enterprise compliance readiness and accountability through strong collaboration with legal, business units, risk teams, and compliance subject matter experts
• Own and manage the end-to-end Regulatory Change Management (RCM) process including intake, impact assessment, stakeholder engagement, and change tracking through to implementation and validation
• Monitor regulatory developments from primary sources (e.g., CFPB, OCC, FDIC, FRB, state regulators) and secondary services (e.g., Wolters Kluwer, Compliance.ai)
• Facilitate regulatory applicability analysis and collaborate with legal and compliance SMEs to assess business impact
• Maintain a centralized regulatory inventory, including taxonomy alignment with products, services, business units, and laws/regulations
• Partner with business, legal, and first-line risk owners to ensure timely action planning, control development, and compliance implementation
• Develop dashboards and reports for senior leadership and regulatory examiners to provide transparency on regulatory developments and compliance status
• Support Compliance Policy and Training teams in ensuring affected documents and training are updated in response to regulatory changes
• Lead working groups or cross-functional forums to track implementation of regulatory changes, document decisions, and escalate risk issues
• Continuously evaluate and enhance regulatory change protocols, including triggers, roles, documentation standards, and effectiveness testing
• Serve as a strategic partner to the enterprise on compliance readiness, guiding sustainable compliance with new or amended regulations
• Contribute to regulatory exam preparedness and response, including producing evidence of effective regulatory change governance