Manager, Regulatory Compliance and Testing

Real REMAX Group • Newark, CA

2d • $115,000 - $130,000 • Remote

About The Position

We’re looking for a Manager, Regulatory Compliance and Testing to join our Legal, Compliance & Internal Audit team supporting Wallet, our financial services platform designed to provide payments and financial solutions for our real estate agents. In this role, you’ll own the tactical execution of our Strategic Compliance Monitoring & Testing Framework, providing ongoing, data-driven monitoring to proactively identify and mitigate regulatory and legal risk as the business and its products continue to scale. You’ll work closely with cross-functional teams to identify emerging compliance risks, develop and execute testing, review marketing materials and disclosures, and provide day-to-day compliance guidance. The ideal candidate is analytical, proactive, detail-oriented, and comfortable working closely with business teams to identify risks and develop practical solutions. This is a great opportunity to play a key role in building and scaling compliance processes within an evolving fintech environment while partnering across the business on new products, regulatory requirements, and operational initiatives.

Requirements

• Strong knowledge of U.S. small business lending and state-licensed lending requirements.
• Knowledge of key regulatory requirements, including ECOA (Regulation B), UDAAP/UDAP, KYC, AML, OFAC, SCRA, CAN-SPAM, and state-specific disclosure requirements.
• Experience developing and executing data-driven compliance monitoring and testing programs.
• Strong analytical and problem-solving skills, with the ability to translate complex regulatory requirements into practical business solutions.
• Strong written and verbal communication skills, with the ability to collaborate effectively across legal, compliance, business, and operational teams.
• Ability to work independently, manage multiple priorities, and adapt to evolving business and regulatory requirements.
• Bachelor’s degree in Business, Finance, Legal Studies, Compliance, or a related field required.
• 6+ years of experience in regulatory compliance, compliance testing, or audit within the fintech, lending, banking, or financial services industry.

Nice To Haves

• Experience with U.S. small business lending and state-licensed lending preferred.
• Experience with Banking-as-a-Service (BaaS), embedded banking, or working with bank sponsors is a plus.
• Familiarity with Canadian regulations, including CASL, FINTRAC, or PPSA, is a plus.
• Experience with AI-assisted underwriting is a plus.
• CRCM or CAMS certification is a plus.

Responsibilities

• Execute and maintain Real Wallet’s Strategic Compliance Monitoring & Testing Framework across active business lines and financial products.
• Partner with business teams to identify emerging compliance risks, determine testing needs, and provide practical guidance on day-to-day operations and new initiatives.
• Design and implement testing protocols for new products, processes, and regulatory requirements.
• Audit automated disclosure logic and credit decision notices for compliance with applicable state and federal commercial lending requirements, including rate and fee limitations.
• Review marketing materials and customer complaint trends to identify and mitigate potential UDAAP/UDAP and other regulatory risks.
• Develop system frameworks and reporting workflows to support compliance with emerging regulatory requirements.
• Conduct routine compliance audits and communicate findings, recommendations, and remediation needs to Compliance leadership and relevant business partners.
• Monitor regulatory developments and translate changes into actionable compliance processes, controls, and testing requirements.

What This Job Offers

• Job Type: Full-time
• Career Level: Manager