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San Francisco, California, United States
Remote only
Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest.
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.
About the role
Compliance Shared Services delivers the horizontal capabilities that power Affirm's consumer compliance program: regulatory compliance monitoring, compliance data analytics, issues management, compliance training, regulatory change management, and bank partner audit and exam support. The team sits in the second line of defense and partners across Compliance, Legal, Engineering, Product, Internal Audit, and our bank partners to ensure obligations are monitored, exceptions are investigated and remediated, and evidence stands up to regulator and auditor scrutiny.
As the Analytics Lead, Strategic Insights for Compliance Shared Services, you will own the compliance analytics and automated monitoring function for a multi-product, multi-partner consumer lending business. The work requires fluency in both regulation and data, and it runs in both directions: you translate regulatory obligations into automated, evidence-producing data checks, and you translate data anomalies back into clear regulatory answers.
You will report to the Senior Manager, Compliance Programs, and operate as the senior individual contributor for the analytics function. A supporting data analyst carries much of the recurring execution workload; you will provide that analyst with day-to-day technical direction, structured training, and quality review while you focus on monitoring design, examination data ownership, exception judgment, and automation.
The outputs of this role are consumed by state regulators, bank partners, internal and external auditors, and senior leadership. The quality bar is evidence-grade and reproducible, and the operating rhythm combines a steady weekly monitoring cadence with high-intensity examination and incident surges that arrive on external timelines.
What you'll do
Own the design, operation, and governance of automated compliance monitoring: translate regulatory obligations into rule-based detective controls that run on defined frequencies, surface exceptions, and produce audit-ready evidence.
Serve as the primary data owner for regulatory examinations, licensing audits, and bank partner exam requests: scope requests into defined populations and extraction logic, validate results across source systems, document methodology and assumptions, and support responses through multi-round follow-ups under external deadlines.
Triage monitoring exceptions and data anomalies, distinguishing true compliance exceptions from data artifacts and process gaps, route findings to the appropriate resolution path, and support remediation through validation and evidence review.
Map automated checks to specific regulatory requirements, converting query logic into control statements that feed the compliance control inventory and close the loop between monitoring exceptions and tracked compliance issues.
Drive the automation roadmap: identify recurring manual reporting and repeat data requests and convert them into automated pipelines and self-service tools, applying AI-assisted development with disciplined human-in-the-loop validation.
Steward the compliance data environment: adjudicate source-of-truth questions, resolve data access and quality constraints, and maintain the query repository, runbooks, and methodology documentation.
Provide day-to-day technical direction, structured onboarding and training, work prioritization, and quality review for a supporting data analyst, coaching for independence and end-to-end ownership.
Partner with Engineering, Legal, Product, Internal Audit, and bank partners to resolve data definition and quality questions, and expand monitoring coverage across new products, requirements, and jurisdictions.
What we look for
5+ years in compliance analytics, monitoring or surveillance, transaction testing, audit analytics, or a comparable data role in consumer lending, banking, fintech, or another regulated industry.
Advanced SQL and hands-on experience with a modern cloud data stack such as Snowflake and Databricks, including building and operating automated pipelines, dashboards, and data quality checks.
Working knowledge of consumer credit regulations such as TILA/Reg Z, ECOA/Reg B, EFTA/Reg E, FCRA, SCRA, MLA, TCPA, and state lending, licensing, and usury requirements, and the ability to convert those obligations into data logic.
Bidirectional fluency: you read a regulation and know the data question it implies, and you read a data anomaly and know the regulatory question it raises.
Evidence-grade rigor: you reconcile, validate, reproduce, and document your work so it stands up to examiners and auditors, and you have delivered regulatory or audit data under hard deadlines with multi-round follow-ups.
AI fluency: you use AI-assisted development tools to accelerate query building, troubleshooting, and workflow automation, and you validate outputs before relying on them.
Experience training, guiding, or reviewing the work of junior analysts, with the judgment to coach for independence rather than absorb the work yourself.
A builder disposition: comfort with ambiguity, self-directed prioritization, and clear written and verbal communication that translates technical findings for legal, compliance, and executive audiences.
Nice to Have
Lightweight application development (Streamlit or similar) and Python.
GRC platform exposure (AuditBoard or similar) and control inventory or control documentation experience.
Familiarity with bank partnership or sponsor bank operating models.
Experience expanding monitoring or reporting coverage across jurisdictions (US, Canada, UK).
Base Pay Grade - K
Equity Grade - 6
Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills.
Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.)
USA base pay range (CA, WA, NY, NJ, CT) per year: $145,000 - $205,000
USA base pay range (all other U.S. states) per year: $128,000 - $188,000
#LI-Remote
Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.
We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include:
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