[Hiring] Senior, Consumer Compliance and Payments Lead @Esusu

Role Description

The Consumer and Payments Compliance Lead is responsible for designing, implementing, and overseeing Esusu’s consumer and payments compliance program. This role provides subject-matter expertise on U.S. consumer financial regulations and payment network rules and serves as a primary liaison to our bank partners and payment vendors on compliance matters.

The role sits within the Risk & Compliance Management Department and operates as a second line of defense, partnering closely with Legal, Operations, Product, and other internal and external partners to ensure that Esusu’s consumer-facing products and payment flows remain compliant, well-controlled, and aligned with industry best practices.

What You’ll Do

• Program Ownership and Governance:
  • Design, implement, and continuously improve the consumer and payments compliance program.
  • Maintain and update policies and procedures for ACH, wire, card, and other electronic payments.
  • Establish and maintain a compliance risk assessment for consumer and payments activities.
  • Provide compliance reporting and insights on consumer and payments compliance risks.
• Regulatory Advisory and Interpretation:
  • Serve as the primary internal subject-matter expert for consumer protection and payments regulations.
  • Review new and proposed products, features, and processes involving consumer interactions or payment flows.
  • Monitor regulatory developments and industry guidance related to consumer and payments compliance.
• Card Scheme Compliance:
  • Act as subject matter expert for Visa, Mastercard, and other network rules.
• Complaints Management:
  • Develop and maintain a structured complaints management process.
• Bank Partner and Vendor Engagement:
  • Act as a primary compliance point of contact for Esusu’s bank partners and key payment-related vendors.
  • Coordinate and support annual and periodic assessments required by bank partners and payment networks.
  • Ensure that vendor and partner contracts related to consumer and payments compliance are documented.
• Loan Servicing Oversight (Excluding Credit Reporting):
  • Provide oversight of loan servicing processes to ensure compliance with applicable lending and servicing regulations.
• Monitoring, Testing, and Issue Management:
  • Design and execute monitoring and testing for consumer and payments compliance controls.
  • Partner with Operations and Customer Support to ensure consumer complaints are handled in accordance with regulatory requirements.
  • Identify compliance issues and control weaknesses, document root causes and impacts.
• Underwriting & Eligibility Review:
  • Conduct eligibility and underwriting reviews for all consumer loan applicants.
• Training, Communication, and Documentation:
  • Partner with the Risk and Compliance team to develop and deliver targeted training.
  • Maintain clear, current governance documentation for consumer and payments compliance.
  • Support responses to internal and external audits, regulatory inquiries, and due diligence requests.
• Cross-Functional Partnership:
  • Partner with Product and Engineering on change management for systems impacting consumer onboarding and payment initiation.
  • Collaborate with Risk Management, Information Security, and Data teams to ensure data privacy and security controls align with applicable laws.
  • Provide advisory support in the design and review of business continuity and incident response plans.

Qualifications

• Degree and or certifications in Business, Compliance, Audit, Risk Management, or related field.
• 10+ years of compliance, legal, or risk management experience in financial services, fintech, banking, or payments.
• Demonstrated expertise applying Regulation E, NACHA Rules, UDAAP, FCRA, and related consumer and payments requirements.
• Deep understanding of payment clearing, settlement, and regulatory requirements.
• Experience working in or with a second line of defense risk/compliance function.
• Strong track record of building and maintaining policies, procedures, and control frameworks.
• Excellent written and verbal communication skills.
• Proven ability to manage multiple priorities in a fast-paced, high-growth environment.

Preferred

• Experience working in a bank–fintech partnership model or embedded finance environment.
• Prior involvement in annual ACH Risk Assessments, ACH audits, or similar oversight engagements.
• Familiarity with complaints management and investigative responses to regulatory bodies.
• Professional certification(s) in compliance or risk (e.g., CRCM, CAMS, CCEP, CRisk) a plus.

This role is likely not a fit if:

• You prefer a narrow, policy-only compliance role and do not want to be hands-on.
• You are uncomfortable working in a bank/fintech partnership environment.
• You have limited experience with Regulation E, NACHA, UDAAP, FCRA, and payments operations.
• You prefer highly structured, slow-changing environments.
• You are not comfortable challenging stakeholders when compliance or consumer harm risks are present.
• You are satisfied with “good enough” instead of holding a high bar for control design.

Benefits

• 💵 Competitive Salary - for Series C - $150,000 – $163,000 annually.
• 📈 Equity - a significant RSU grant with vesting over four years.
• ✅ Remote first work environment.
• 🌴 Generous PTO – Enjoy a generous time off policy and 14 company-wide paid holidays.
• 🩺 Premium Health Coverage – Comprehensive medical, dental, and vision insurance.
• 💳 Partial-Employer Funded Health Savings Account.
• 🍼 Paid Parental Leave – 12 weeks of 100% pay.
• 💰 Retirement Plans – Competitive 401(k) offerings, including a 4% company match.
• 🎓 Tuition Reimbursement – For qualified programs.
• 📚 Professional Development Stipend – To support your continued growth and learning.
• 🤝 In-person and virtual team get-togethers.
• 📈 Free Credit Building Benefit - Build your credit score for free as an Esusu employee.