Consumer Compliance Leader - Product Advisory & Testing

Nubank•Miami, FL

2d•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 role is an individual-contributor position at manager level and reports to the US Head of Compliance. It will independently assess complex regulatory questions, influence product and operational decisions, and lead compliance reviews from planning through reporting and remediation validation. The role 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 teams throughout the product lifecycle. It interprets applicable federal and state consumer financial protection requirements and translates them into practical product requirements, controls, and business guidance. It also develops and executes risk-based testing and monitoring, evaluates control design and effectiveness, documents findings, and tracks and validates corrective actions. The position contributes to consumer compliance policies and standards, compliance risk assessments, and management reporting. Success requires sound regulatory judgment, practical control-evaluation experience, clear communication, and the ability to establish processes, manage competing priorities, and drive work to completion in an evolving, highly regulated business. The role is based in Miami, Florida, with a hybrid/on-site work model and an office requirement of two days per week. Nu’s Global Compliance function is the Second Line of Defense. The role is described as pivotal as Nubank has received conditional approval for a US National Bank Charter.

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 decisions across technical, business, and leadership audiences.
Ability to independently own significant workstreams, establish priorities, and escalate issues appropriately.

Nice To Haves

Compliance advisory or testing experience across 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, from initial design and launch through servicing.
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.
Challenge 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 based on regulatory obligations, customer impact, and emerging risks.
Lead reviews from scoping through completion, including defining objectives, developing test procedures, selecting samples, evaluating evidence, and documenting conclusions.
Assess whether controls are appropriately designed and operating effectively, including whether customer outcomes and business practices meet applicable requirements.
Produce clear, well-supported findings and reports explaining regulatory concerns, supporting 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 that completed remediation addresses identified issues.
Draft and update consumer compliance policies and standards, and advise business owners on related procedures.
Contribute to compliance risk assessments and management reporting by communicating significant findings, trends, and unresolved exposures.
Advise on issue assessment, root cause analysis, customer impact, and corrective action, with business owners accountable for implementing remediation.