Compliance Manager (Australia)

About the role

Affirm is transforming credit to be more transparent and user-friendly, offering consumers flexible buy now, pay later options without hidden fees. The International Compliance team develops and implements programs to meet regulatory requirements and mitigate risks. This role supports new products and markets while strengthening controls and ensuring positive consumer outcomes.

Key facts

What you'll do

• Lead the Australian regulatory compliance program, translating global strategies into local actions.
• Ensure adherence to Australian regulatory and licensing obligations, supporting responsible growth.
• Oversee the Australian regulatory compliance framework for consumer credit and financial services.
• Maintain documented compliance arrangements for Australian credit license obligations and regulatory changes.
• Manage ASIC examinations, inquiries, and other supervisory engagements.
• Ensure timely and accurate regulatory notifications and reporting.
• Maintain the Australian regulatory obligations register and compliance risk assessment process.
• Prioritize remediation efforts and oversee root-cause analysis and corrective actions.
• Monitor compliance metrics and risk indicators across various areas like lending, complaints, and collections.
• Assess incidents and breaches, making reportability decisions and escalating material risks.
• Prepare reports for executive leadership and risk governance committees.
• Manage the regulatory change process from horizon scanning to implementation and assurance.
• Partner with various internal teams including Product, Legal, and Engineering.
• Provide practical regulatory guidance for new products and business initiatives.
• Influence complex compliance decisions related to Australian strategy and consumer outcomes.
• Manage a compliance team within Australia.
• Be accountable for the execution and continuous improvement of the Australian regulatory compliance program.
• Exercise discretion in operational planning and resource allocation.
• Make decisions impacting Australian licensing, regulatory posture, and product risk.

Requirements

• 8+ years of regulatory compliance experience in Australian regulated financial services, consumer credit, payments, or fintech.
• Prior people management experience.
• Strong knowledge of Australian consumer credit and conduct regulation, ASIC expectations, and credit licensing.
• Expertise in responsible lending, product governance, complaints, and breach-reporting requirements.
• Ability to translate regulatory interpretations into practical business decisions.
• Demonstrated experience managing teams, setting priorities, and executing programs.
• Experience leading regulatory change, obligations management, and compliance monitoring.
• Experience with breach and reportable-situations processes, complaints oversight, and regulatory reporting.
• Strong judgment and decision-making skills.
• Ability to influence senior stakeholders.
• Clear and concise executive communication skills.
• Ability to operate effectively in a fast-paced fintech environment.
• Bachelor's degree.

Nice to have

• Relevant legal, compliance, risk, governance, or financial services qualification.

Skills & tools

• National Consumer Credit Protection Act
• National Credit Code
• Privacy Act
• ASIC regulations
• Regulatory reporting
• Risk assessment
• Compliance monitoring

Practical notes

Affirm is a remote-first company. This role can be performed from almost anywhere in Australia. Benefits include 100% subsidized medical, dental, and vision coverage for employees and dependents, flexible spending wallets for technology, food, lifestyle, and family forming expenses, competitive time off, and an employee stock purchase plan.