Operational Audit Associate (Hybrid)

Enova International • Chicago, IL

1d • $72,000 - $104,000 • Hybrid

About The Position

The Operational Audit Associate oversees audits of third-party collection agencies, law firms, and the internal recovery team to ensure compliance with the FDCPA and other regulatory requirements. This role evaluates operational processes, inventory management, and collection practices through onsite and offsite audits. The auditor also monitors key controls and compliance areas such as dialing regulations, payment processing, dispute handling, licensing, and contract adherence while providing oversight and recommendations to strengthen operational performance and regulatory compliance. This role reports to the Lead, S&O.

Requirements

• Bachelor’s degree in Business or equivalent experience in collections at a creditor, lender, or collection agency/debt buyer.
• 5–7 years of experience in collections operations, vendor management, or dialer strategy.
• Ability to identify audit findings, escalate issues appropriately, and manage relationships with agency or law firm leadership in a professional and assertive manner.
• Strong written and verbal communication skills with the ability to collaborate across departments.
• Proficiency in Microsoft Office and Google Suite.

Nice To Haves

• Experience in collections training, quality assurance, or compliance preferred.

Responsibilities

• Conduct quarterly onsite and offsite audits of third-party collection agencies, law firms, and internal recovery operations to assess performance, operational processes, and regulatory compliance.
• Audit inventory, accounts, and files forwarded to agencies to verify accuracy, completeness, and adherence to internal policies.
• Review call recordings, written communications, and outbound collection activity (letters, emails, dialing, SMS, prerecorded messages, chat) to ensure compliance with the FDCPA and other applicable laws.
• Evaluate key compliance and operational areas including dialing regulations, payment processing, disputes, settlements, payment plans, licensing, and contract adherence.
• Identify deficiencies or non-compliant activities, document findings, and partner with agencies to implement corrective actions.
• Prepare detailed audit reports and maintain records to support internal monitoring and regulatory reviews.
• Collaborate with Compliance and Operations teams to stay current on regulatory requirements and industry best practices.
• Provide recommendations to leadership regarding vendor performance, retention, or termination.
• Conduct performance audits including liquidation rate analysis and improvement opportunities.

Benefits

• Health, dental, and vision insurance including mental health benefits
• 401(k) matching plus a roth option (U.S. Based employees only)
• PTO & paid holidays off
• Sabbatical program (for eligible roles)
• Summer hours (for eligible roles)
• Paid parental leave
• DEI groups (B.L.A.C.K. @ Enova, HOLA @ Enova, Women @ Enova, Pride @ Enova, South Asians @ Enova, APEX @ Enova, and Parents @ Enova)
• Employee recognition and rewards program
• Charitable matching and a paid volunteer day

What This Job Offers

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