Compliance Director

PayJoy•New York City, NY

About The Position

About PayJoy PayJoy is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system. Through PayJoy’s point-of-sale financing and credit cards, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and provide safety acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth. This role The Compliance Director is responsible to leads and oversees global compliance program across all operating jurisdictions, ensuring consistent regulatory compliance through unified policies, procedures, and monitoring frameworks, while owning the enterprise compliance strategy and partnering closely with Legal, Operations, Product, Risk, and regulators to mitigate regulatory, audit, and operational risk as the company scales internationally.

Requirements

Bachelor of Laws degree and Master ’s degree in commerce, Business Administration, Management, Law or related field.
10+ years of progressive compliance experience within fintech, financial services, payments, lending, or other highly regulated environments, with demonstrated responsibility for enterprise or multi-jurisdictional compliance programs.
Proven experience designing, implementing, and scaling compliance frameworks from the ground up, including policies and procedures, risk assessments, monitoring and testing, issue management, and regulatory change management.
Deep working knowledge of global regulatory regimes relevant to PayJoy’s business model, including consumer protection, AML/KYC, data privacy, and licensing requirements across multiple jurisdictions.
Demonstrated ability to operate as a senior individual contributor and strategic advisor, with credibility to influence executive stakeholders and cross-functional partners without relying on formal authority.
Experience leading regulatory examinations, audits, and third-party diligence, including ownership of regulator communications, documentation readiness, and remediation planning.
Strong governance and reporting capabilities, including the ability to develop compliance metrics, dashboards, and executive-level reporting to support informed decision-making and risk oversight.

Responsibilities

Design and own PayJoy’s global compliance framework , including policies, procedures, risk assessments, and control standards, ensuring consistent application across all jurisdictions while accommodating local regulatory requirements.
Establish and oversee independent compliance monitoring and testing programs , including issue identification, remediation tracking, and reporting, to proactively identify and mitigate regulatory and operational risk.
Serve as the primary compliance partner to the executive team , embedding compliance considerations into business processes, product development, and market expansion initiatives.
Lead regulatory engagement and examination readiness , including coordination of audits, regulatory inquiries, partner due diligence, and ongoing supervisory interactions, ensuring clear documentation and defensible compliance practices.
Develop global compliance governance, reporting, and escalation structures , including senior management and committee reporting, to support informed decision-making and accountability across the organization.
Build and scale the compliance function over time , including defining resourcing needs, leveraging external advisors, and developing internal talent to support PayJoy’s growth and increasing regulatory complexity.