Consumer Compliance Lead - Product Advisory & Testing

Nubank•Miami, FL

1d•Hybrid

About The Position

Nu is seeking an experienced consumer compliance professional to lead product compliance advisory engagements and internal compliance testing and monitoring across its US consumer banking products, including deposits, credit cards, and personal loans. The position is a manager-level individual contributor reporting to the Head of US Compliance. The role independently assesses complex regulatory questions, influences product and operational decisions, and leads compliance reviews from planning through reporting and remediation validation. It also contributes to policy development, compliance risk reporting, and advice on regulatory issues. As a primary compliance advisor, the role partners with Product, Engineering, Operations, Marketing, and other business teams throughout the product lifecycle. It interprets federal and state consumer financial protection requirements and turns them into practical product requirements, controls, and business guidance. The position reviews products, features, customer journeys, disclosures, marketing materials, and operational processes; evaluates changes and regulatory developments; and provides effective challenge and escalation when needed. The role develops and executes risk-based compliance testing and monitoring, leading reviews from scoping through completion. It evaluates control design and operating effectiveness, customer outcomes, and business practices; documents evidence-based findings and recommendations; maintains monitoring indicators; and evaluates and validates remediation. It also drafts and updates consumer compliance policies and standards, contributes to risk assessments and management reporting, and advises on issue assessment, root cause, customer impact, and corrective action. The position is based in Miami, Florida, with a hybrid work model requiring office attendance at least twice a week, on strategic days designed to support team connection and collaboration.

Requirements

Substantial experience in US consumer compliance at a bank, financial institution, or fintech, with demonstrated responsibility for both product advisory and compliance testing or monitoring.
Strong working knowledge of consumer financial protection requirements relevant to deposits and unsecured lending, including TILA/Regulation Z, ECOA/Regulation B, EFTA/Regulation E, TISA/Regulation DD, FCRA/Regulation V, and UDAAP.
Ability to research and interpret regulatory requirements, exercise sound judgment in ambiguous situations, and develop defensible recommendations.
Hands-on experience designing and executing compliance reviews, evaluating controls, documenting findings, and validating remediation.
Ability to analyze operational and customer data to identify exceptions, assess customer impact, and support conclusions.
Strong writing and communication skills, including the ability to explain complex requirements and influence technical, business, and leadership audiences.
Proven ability to independently own significant workstreams, establish priorities, and escalate issues appropriately.

Nice To Haves

Experience advising on or testing digital deposit, credit card, or personal loan products.
Experience building compliance capabilities for a new or growing bank or fintech.
Experience using data analytics or automation to improve compliance monitoring and testing.
CRCM certification; preferred but not required.

Responsibilities

Serve as a primary compliance advisor to Product, Engineering, Operations, Marketing, and other business teams throughout the product lifecycle.
Interpret applicable federal and state consumer financial protection requirements and translate them into practical product requirements, controls, and business guidance.
Review proposed products, features, customer journeys, disclosures, marketing materials, and operational processes to identify compliance risks and recommend workable solutions.
Assess compliance implications of product and process changes, documenting advice, material risks, and matters requiring escalation.
Provide effective challenge to business decisions and control designs, work with stakeholders to resolve concerns, and escalate material or unresolved risks.
Evaluate regulatory developments and enforcement trends and advise business partners on necessary changes.
Develop and execute risk-based compliance testing and monitoring coverage, prioritizing products, processes, and controls according to obligations, customer impact, and emerging risks.
Lead compliance reviews from scoping through completion, including setting objectives, developing test procedures, selecting samples, evaluating evidence, and documenting conclusions.
Assess control design and operating effectiveness, including whether customer outcomes and business practices meet applicable requirements.
Prepare clear, well-supported findings and reports describing regulatory concerns, evidence, customer impact, and recommended corrective action.
Establish and maintain monitoring indicators to identify compliance weaknesses, recurring exceptions, and changes in risk.
Evaluate remediation plans, track corrective actions, and validate completed remediation.
Draft and update consumer compliance policies and standards, and advise business owners on related procedures.
Contribute to compliance risk assessments and management reporting, communicating significant findings, trends, and unresolved exposures.
Advise on issue assessment, root cause analysis, customer impact, and corrective action; business owners remain accountable for implementing remediation.