Senior, Consumer Compliance and Payments Lead

Esusu

3d•$150,000 - $163,000•Remote

About The Position

The Consumer and Payments Compliance Lead is responsible for designing, implementing, and overseeing Esusu’s consumer and payments compliance program. This role provides subject-matter expertise on U.S. consumer financial regulations and payment network rules (e.g., Regulation E, NACHA Operating Rules, card network rules, UDAAP, privacy, and state consumer protection requirements) and serves as a primary liaison to our bank partners and payment vendors on compliance matters. The role sits within the Risk & Compliance Management Department and operates as a second line of defense, partnering closely with Legal, Operations, Product and other internal and external partners to ensure that Esusu’s consumer-facing products and payment flows remain compliant, well-controlled, and aligned with industry best practices.

Requirements

Degree and or certifications in Business, Compliance, Audit, Risk Management, or related field, or equivalent practical experience.
10+ years of compliance, legal, or risk management experience in financial services, fintech, banking, or payments, with significant exposure to U.S. consumer protection and/or payments regulations.
Demonstrated expertise applying Regulation E, NACHA Rules, UDAAP, FCRA, and related consumer and payments requirements in a business environment.
Deep understanding of payment clearing, settlement and regulatory requirements.
Experience working in or with a second line of defense risk/compliance function, including advising first line teams and providing independent challenge.
Strong track record of building and maintaining policies, procedures, and control frameworks and performing monitoring/testing over compliance controls.
Excellent written and verbal communication skills, with the ability to translate complex regulatory requirements into clear, actionable guidance for non-technical stakeholders.
Proven ability to manage multiple priorities in a fast-paced, high-growth environment and to work effectively with cross-functional teams and external partners.

Nice To Haves

Experience working in a bank–fintech partnership model (e.g., sponsor bank arrangements, Banking-as-a-Service) or embedded finance environment.
Prior involvement in annual ACH Risk Assessments, ACH audits, payment security assessments, or similar oversight engagements with bank partners or payment networks.
Familiarity with complaints management, investigative responses to regulatory bodies (e.g., CFPB, BBB, state regulators), and remediation of consumer harm.
Professional certification(s) in compliance or risk (e.g., CRCM, CAMS, CCEP, CRisk) a plus.

Responsibilities

Design, implement and continuously improve the consumer and payments compliance program, including policies, standards, procedures, and control frameworks aligned to Esusu’s risk management framework and applicable regulations.
Maintain and update policies and procedures for ACH, wire, card, and other electronic payments, in coordination with bank partners and payment processors.
Establish and maintain a compliance risk assessment for consumer and payments activities, including periodic reassessments and documentation of inherent risks, controls, residual risk, and remediation actions.
Provide compliance reporting and insights on consumer and payments compliance risks, issues, and trends to the Risk & Compliance leadership and relevant governance forums (e.g., risk committees, partner oversight meetings).
Serve as the primary internal subject-matter expert for consumer protection and payments regulations, including but not limited to: Electronic Fund Transfer Act / Regulation E NACHA Operating Rules and ACH Risk requirements Applicable card network rules (if relevant to product set) UDAAP, Fair Credit Reporting Act (FCRA) as it relates to consumer reporting, and related federal and state consumer protection laws.
Review new and proposed products, features, and processes that involve consumer interactions or payment flows, providing clear, risk-based compliance requirements and documenting decisions and rationale.
Monitor regulatory developments and industry guidance related to consumer and payments compliance; assess impact to Esusu and drive implementation of required changes in partnership with stakeholders.
Act as subject matter expert for Visa, Mastercard, and other network rules, managing audits, and implementing scheme requirements.
Work with Customer Service, Risk, Compliance and Legal to develop and maintain a structured complaints management process to handle customer complaints at various tiers, ensure prompt resolution, and identify any systemic issues.
Act as a primary compliance point of contact for Esusu’s bank partners and key payment-related vendors (e.g., Lead Bank, ACH originator/processor, KYC/AML platforms) on consumer and payments compliance topics.
Coordinate and support annual and periodic assessments required by bank partners and payment networks, including ACH Risk Assessments, ACH audits, security audits, and payments-related policy reviews.
Ensure that vendor and partner contracts, SLAs, and control expectations related to consumer and payments compliance are documented, understood, and periodically reviewed in partnership with the Risk Management, Legal, and Vendor Management teams.
Provide oversight of loan servicing processes to ensure compliance with applicable lending and servicing regulations (other than credit reporting), including: Payment Processing & Statements Borrower Communications Hardship and Modifications Customer Inquiries
Design and execute monitoring and testing for consumer and payments compliance controls, including transaction-level testing, sample reviews of disclosures and authorizations, and evaluation of exception handling (returns, disputes, chargebacks, reversals).
Partner with Operations and Customer Support to ensure consumer complaints, disputes, and escalations (e.g., CFPB, BBB, state regulators, bank partner referrals) are handled in accordance with regulatory requirements and documented procedures.
Identify compliance issues and control weaknesses, document root causes and impacts, and track remediation actions through closure, escalating where needed to Risk & Compliance leadership and bank partners.
Conduct eligibility and underwriting reviews for all consumer loan applicants, ensuring that applicants meet program-specific criteria and that each loan is issued in accordance with Esusu’s documented credit and regulatory standards.
Partner with the Risk and Compliance team to develop and deliver targeted training to first line teams (e.g., Operations, Product, CX) on consumer and payments compliance topics, including Reg E dispute handling, ACH authorization requirements, disclosures, and complaint handling expectations.
Maintain clear, current governance documentation for consumer and payments compliance, including policies, procedures, job aids, and process maps to support consistent execution and audit readiness.
Support responses to internal and external audits, regulatory inquiries, and due diligence requests, ensuring that documentation and evidence related to consumer and payments compliance activities are organized, complete, and accurate.
Partner with Product and Engineering on change management for systems impacting consumer onboarding, payment initiation, refunds, credits, and reporting, ensuring that changes are assessed for compliance impact prior to deployment.
Collaborate with Risk Management, Information Security, and Data teams to ensure that data privacy, data retention, and security controls related to consumer and payment data align with applicable laws and Esusu policies.
Provide advisory support in the design and review of business continuity and incident response plans as they relate to consumer harm and payments disruption (e.g., payment failures, data incidents affecting payment instructions).

Benefits

Competitive Salary - for Series C - $150,000 – $163,000 annually
Equity - a significant RSU grant with vesting over four years, accelerated upon a sale or IPO.
Remote first work environment - Where we trust you to get your work done.
Generous PTO – Enjoy a generous time off policy and 14 company wide paid holidays.
Premium Health Coverage – Comprehensive medical, dental, and vision insurance.
Partial-Employer Funded Health Savings Account - Available for High Deductible Plans.
Paid Parental Leave – 12 weeks of 100% pay to support growing families.
Retirement Plans – Secure your future with our competitive 401(k) offerings, including a 4% company match (for US only).
Tuition Reimbursement – For qualified programs to complement work experience.
Professional Development Stipend – To support your continued growth and learning.
In person and virtual team get togethers - To connect with your fellow Esusu colleagues.
Free Credit Building Benefit - Build your credit score for free as an Esusu employee.