Senior Compliance Analyst

Earnest•San Francisco, CA

36d

About The Position

Our mission is to make higher education accessible and affordable for everyone. We empower students with financial support and supercharge their ability to pay down their debt, so they can get on the right financial track, fast. We build tools that help people feel in control of their financial future, including: Private student loans - low rates, people-first service, and flexible payments. Student loan refinancing - break free from high-interest rates or monthly payments. Scholarships - access to thousands of scholarships to help students pay less. Earnies are committed to helping students live their best lives, free from the stress of student debt. If you’re as passionate as we are about our mission, read more below, and let’s build something great together! The Senior Compliance Analyst (Consumer Lending Compliance) will report to our Compliance Manager.

Requirements

3+ years of experience in compliance, audit, operational risk, or consumer lending operations.
Strong knowledge of consumer lending laws and regulations.
Experience with complaints management and risk identification.
Excellent written and verbal communication skills.
Detail-oriented, analytical, and comfortable working cross-functionally.

Nice To Haves

Compliance, audit, or risk management certifications.
Experience as a state or federal regulator.
Prior compliance testing or monitoring experience.

Responsibilities

Manage Earnest’s end-to-end complaints program within the First Line of Defense, ensuring timely, accurate, and compliant resolution.
Partner with cross-functional teams to investigate complaints, identify root causes, and drive remediation.
Monitor complaint trends and escalate regulatory, UDAAP, or systemic risks.
Draft and review complaint responses and maintain complaint governance, reporting, and procedures.
Support audits, regulatory inquiries, and 1LOD testing and monitoring activities.