Note: The job is a remote job and is open to candidates in USA. Snap Finance provides flexible financing solutions using data, machine learning, and a human-centered approach to help customers access the things they need. The Manager, Card Compliance Operations will oversee compliance and legal support functions for the credit card business, including customer complaints, legal requests, audits, reporting, issue management, and regulatory guidance. The role partners with Legal, Risk, Operations, Product, Customer Service, and bank partners to maintain effective compliance controls.
Responsibilities
- 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
Skills
- 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
- 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
Benefits
- 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
- Remote work within the Continental United States
Company Overview