Compliance Lead, Affirm
CA$101-151k
+ ESPP
Buy-now-pay-later card for online and in-store
Posted today
Buy-now-pay-later card for online and in-store
1001+ employees
Posted today
CA$101-151k
+ ESPP
1001+ employees
Company mission
To deliver honest and transparent financial products that improve users' lives.
Role
Who you are
- 5+ years of compliance, regulatory, or legal experience in a Canadian regulated financial services environment (consumer credit or fintech preferred)
- Bachelor’s degree required; CAMS/CFCS or similar certification is an asset
- Strong working knowledge of Canadian consumer protection and payment regulations along with the applicable regulatory frameworks (e.g., RPAA and related obligations)
- Ability to apply regulatory interpretation pragmatically within a commercial environment
- Experience supporting regulatory reporting, compliance risk assessments, and control testing
- Strong analytical and documentation skills
- Ability to operate independently with sound judgment
- Excellent written and verbal communication skills
- Pragmatic, solutions-oriented mindset
- Ability to influence cross-functional stakeholders
What the job involves
- The Legal, Compliance, and Public Affairs team is a group of dedicated professionals committed to helping Affirm scale, innovate, and provide outstanding products for consumers, merchants, and key partners. We combine legal, compliance, and policy expertise to guide growth, shape products, and build trust across our ecosystem. Our work spans multiple professional disciplines and provides the foundation for Affirm’s mission to deliver honest financial products
- Affirm’s International Compliance team designs and implements compliance programs that proactively address regulatory requirements while identifying and mitigating compliance risks. As a second line of defence function, Compliance partners closely with the business to support new products, markets, and strategic initiatives while strengthening controls and delivering strong consumer outcomes
- As a Compliance Lead, Canada, you will play a pivotal role as an individual contributor responsible for the Canada compliance framework. You will apply deep regulatory expertise and independent judgment to ensure alignment with Canadian regulatory requirements while integrating local obligations into the global compliance program
- Serve as subject matter expert on consumer protection, payment regulations and related financial regulatory requirements
- Support execution of risk controls related to safeguarding, operational risk and program governance under the Retail Payments Activities Act (RPAA)
- Provide regulatory advice to Product, Legal, Risk, and Operations teams on new initiatives and business changes
- Interpret regulatory developments and translate them into actionable business guidance
- Support regulatory examinations, inquiries, and supervisory engagement
- Oversee required Canadian regulatory reporting and ensure timely, accurate submissions
- Prepare compliance updates for senior leadership and risk governance forums
- Support preparation of materials for executive and Board-level committees
- Maintain documentation evidencing regulatory compliance and program effectiveness
- Lead the Canada compliance risk assessment and periodic refresh processes
- Evaluate control effectiveness and recommend enhancements where gaps are identified
- Review monitoring outputs and provide expert-level guidance on issue disposition
- Escalate material compliance risks appropriately within global governance structures
- Maintain and enhance Canada-specific policies, procedures, and control documentation
- Support development of compliance monitoring activities aligned to local risk exposure
- Partner cross-functionally to ensure remediation efforts are implemented effectively
Our take
Affirm offers point-of-sale loans to consumers, working with merchants like Shopify, KAYAK, and Walmart. Buy now, pay later transactions have grown in popularity in recent years, and this business is tapping into the market with a totally different approach to credit - by delivering the Affirm card, the first US debit card with the option to pay-over-time.
Serving over 21 million consumers and over 300,000 merchants, the company offers flexible payback options ranging from 3 to 36 months. The interest rates run between 0% and 30%, so, while they are not necessarily the cheapest option, Affirm prides itself on having no fees for late payments, no hidden charges, and total transparency about what people will pay before they take out a loan.
Affirm collects payments from the customers and pays the merchants directly, shouldering the risk itself. The company has boosted its market share, expanding its availability beyond the US to include most of Canada, and continues to launch new features and create new partnerships towards bettering its offering.
Kirsty
Company Specialist at Welcome to the Jungle
Insights
-11% employee growth in 12 months
Company
Funding (last 2 of 5 rounds)
Sep 2020
$500m
SERIES G
Apr 2019
$300m
SERIES F
Total funding: $1.1bn
Company benefits
- Compensation: We have a simple, flexible, and transparent remote-first compensation structure so you can make the best decisions for yourself and your family
- Spending Wallets: Access tech, food, lifestyle, and family planning wallets for your expenses
- Supportive Communities: Get involved with our employee resource groups and community groups
- Remote-first Workforce: If your role is remote, you can set up shop anywhere in your home country
- Generous Time Off: Take the time you need when life happens
- Health Benefits: Get a plan that fits your needs
- Mental Healthcare: Take care of your mind with great mental health programs
- Parental Leave: Birth and non-birth parents get 18 weeks’ paid leave. Plus, a 4-week return-to-work transition program, at full base pay
- Away Days: We offer 20 company-wide paid days off—which help our teams collectively pause to recharge
- Learning & Development: Engage in exciting learning programs to level up your growth
Company HQ
Chinatown, San Francisco, CA
Leadership
Max Levchin
(Co-Founder & CEO)Has founded/co-founded numerous companies, holding various executive positions at each, including Paypal, Slide, Glow, HVF Labs, and SciFi VC. Also worked at large brands including Google, Yelp, Yahoo, and Evernote.
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