Officer, Lending Compliance

Job title: Officer, Lending Compliance

Company: Achieve

Job description: Company DescriptionMeet Achieve
Achieve is a leading digital personal finance company. We help everyday people move from struggling to thriving by providing innovative, personalized financial solutions. By leveraging proprietary data and analytics, our solutions are tailored for each step of our member’s financial journey to include personal loans, home equity loans, debt consolidation, financial tools and education. Every day, we get to help our members move their finances forward with care, compassion, and an empathetic touch. We put people first and treat them like humans, not account numbers.Attention Agencies & Search Firms: We do not accept unsolicited candidate resumes or profiles. Please do not reach out to anyone within Achieve to market your services or candidates. All inquiries should be directed to Talent Acquisition only. We reserve the right to hire any candidates sent unsolicited and will not pay any fees without a contract signed by Achieve’s Talent Acquisition leader.Job DescriptionAs the Lending Compliance & Risk Officer, you will be responsible for establishing, implementing and maintaining risk management standards and programs to drive compliance with all applicable state and federal laws and regulations. This person will collaborate with internal and external stakeholders to ensure processes, systems and controls are in place to effectively manage risk and meet regulatory expectations.Our ideal candidate brings demonstrated subject matter expertise across multiple lending products (unsecured and secured) and in the following consumer protection laws and regulations:ECOA, EFTA, E-Sign, FCRA, FDCPA, FHA/HUD, GLBA, HMDA, MLA, RESPA, SAFE Act, SCRA, TCPA, TILA, TSR, and UDAAP.The successful candidate will also have excellent communication skills, an ability to thrive on learning new things and strong collaboration skills.What you’ll do:

  • Provides strategic direction and guidance to line of business senior leaders regarding applicable laws, rules, regulations, enterprise standards and industry best practices
  • Executes Compliance and Risk Program requirements such as regulatory change management, risk assessments, issue management, third party risk management, training, metrics and reporting
  • Embraces a strong risk culture that identifies and provides oversight, credible challenge and escalation of existing and emerging risks and issues
  • Monitors and coordinates the reporting, escalation, and timely remediation of issues, deficiencies or regulatory matters
  • Provides subject matter expertise to business partners on how to mitigate compliance and operational risks
  • Provides compliance and risk management expertise and consulting for projects and initiatives with moderate to high risk
  • Identifies strategies to effectively monitor and analyze data (i.e. complaints, quality assurance results, etc.) to identify potential compliance and operational risks
  • Identifies and recommends opportunities to improve processes that mitigate risk
  • Develops of policies, procedures, and job aids
  • Expert in reviewing marketing collateral to ensure it is in alignment with internal guidelines
  • Leads the collection of information and responding to audit and exam requests
  • Provides direction to the business with conducting root cause analysis, developing corrective action plans and effectively managing regulatory change
  • Design and oversee implementation of compliance and risk programs

QualificationsWhat you’ll bring:

  • Bachelor’s degree or equivalent experience
  • 7+ years financial services compliance, risk management or audit experience with increasing levels of responsibility
  • 5 + years experience operating within a Compliance Management System, Operational Risk Management Program, or similar and leading one or more program elements
  • Prior experience interacting with external regulators and third party audit providers
  • Strong interpersonal, communication and influencing skill, including the ability to indirectly influence others outside your department
  • Able to communicate effectively, collaborate with others, solve problems creatively and demonstrate high integrity
  • Strong analytical and critical thinking skills, with attention to detail and accuracy. Ability to identify root causes, develop tactical and strategic solutions
  • Collaborative, able to influence, negotiate and solve problems with business partners and expert teams across the organizational lines
  • Strong project management skills, with a proven ability to coordinate across departments and functions
  • Self-starter, willing to take ownership and drive initiatives to resolution while reporting appropriately on progress made and escalating when difficulties are encountered
  • 7+ years of experience working with applicable laws, rules, and regulations, how they apply to products and services; ability to identify potential gaps or deficiencies related to the regulatory requirements, assess the level of risk and design solutions to resolve the identified gaps
  • Strict attention to detail; ability to produce quality work products without mistakes and discrepancies; Ability to review work products produced by others to ensure accuracy
  • Ability to thrive in a fast-paced, matrixed work environment
  • Strong computer skills, specifically Microsoft Office products


  • CRCM

Additional InformationAchieve well-being with:

  • Hybrid and remote work opportunities
  • 401 (k) with employer match
  • Medical, dental, and vision with HSA and FSA options
  • Competitive vacation and sick time off, as well as dedicated volunteer days
  • Access to wellness support through Employee Assistance Program, Talkspace, and fitness discounts
  • Up to $5,250 paid back to you on eligible education expenses
  • Pet care discounts for your furry family members
  • Financial support in times of hardship with our Achieve Care Fund
  • A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups

Work from home/hybrid:We are proudly offering hybrid options in the Phoenix, AZ or S.F., CA metro market. In other locations throughout the country, we offer work from home in the following states: OR, WA, NV, UT, TX, FL, NY, NC, IL, MN, VASalary Range: $100,000 to $130,000 annually + bonus + benefits. This information represents the expected salary range for this role. Should we decide to make an offer for employment, we’ll consider your location, experience, and other job-related factors .Join Achieve, change the future.At Achieve, we’re changing millions of lives.
From the single parent trying to catch up on bills to the entrepreneur needing a loan for the next phase of growth, you’ll get to be a part of their journey to a better financial future. We’re proud to have over 3,000 employees in mostly hybrid and 100% remote roles across the United States with hubs in Arizona, California, and Texas. We are strategically growing our teams with more remote, work-from-home opportunities every day to better serve our members. A career at Achieve is more than a job—it’s a place where you can make a true impact, have a sense of belonging, establish a fulfilling career, and put your well-being first.Attention Agencies & Search Firms: We do not accept unsolicited candidate resumes or profiles. Please do not reach out to anyone within Achieve to market your services or candidates. All inquiries should be directed to Talent Acquisition only. We reserve the right to hire any candidates sent unsolicited and will not pay any fees without a contract signed by Achieve’s Talent Acquisition leader.#LI-KV1#Remote

Expected salary: $100000 – 130000 per year

Location: San Mateo, CA

Job date: Wed, 19 Jun 2024 22:58:52 GMT

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