Compliance Analyst II

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. Affirm’s Compliance team designs and implements a compliance program that proactively addresses regulatory requirements while also identifying potential compliance issues that may arise. Compliance program activities include advisory, training, testing & monitoring, reporting, and oversight. Although a second line of defense, Compliance partners with the business to support new products, markets, and initiatives, as well as issue identification, remediation plans, and risk assessment. Compliance uses multiple data sources to enable informed decision‑making, strengthen controls, and support better outcomes for consumers. Affirm is seeking a Compliance Analyst II to support its compliance governance and oversight program. This analyst will credibly challenge the operations team to mitigate risk and ensure compliance with federal and state regulations, including investigating and responding to operations issues, reviewing consumer complaints, engaging team members, and supporting larger initiatives such as process improvement. What You’ll Do Review and credibly challenge internal responses to consumer complaints and potential issues from the operations team and guide them regarding a wide variety of regulatory requirements, including credit reporting, disputes, bankruptcy, fair lending, and UDAAP. Review customer complaints to identify root cause, analyze trends, and find opportunities for product and process improvements to fix recurring issues. Work with cross‑functional partners to address compliance concerns and bring matters to senior management when required. Assist with metrics reporting and provide input on process improvement. Support other key compliance and risk management projects as needed. What We Look For 3 to 5+ years of professional work experience in Compliance, Enterprise or Operational Risk, or Audit within a financial services company, Fintech, or regulatory agency. Inquisitive and proactive in proposing creative, effective solutions. Strong project management, critical thinking, time management, and analytical skills. Excellent verbal and written communication skills, with the ability to present sophisticated and critical issues. Strong curiosity about fintech and consumer financial protections. Pay Grade - H Equity Grade - 3 Employees new to affirm typically come in at the start of the pay range. Affirms provides a simple and transparent pay structure based on location, experience, and job‑related skills. Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness, and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). USA base pay range (CA, WA, NY, NJ, CT) per year: $100,000 - $140,000 USA base pay range (all other U.S. states) per year: $88,000 - $128,000 Visa sponsorship is not available for this position. Affirm is proud to be a remote‑first company! The majority of our roles are remote and can be performed anywhere within the country of employment. Some roles may occasionally require travel to an assigned office. Benefits Health care coverage – we cover all premiums for all levels of coverage for you and your dependents. Flexible Spending Wallets – generous stipends for technology, food, lifestyle needs, and family‑forming expenses. Time off – competitive vacation and holiday schedules allowing you to take time off to rest and recharge. ESPP – an employee stock purchase plan enabling you to buy shares of Affim at a discount. We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process. For U.S. positions that could be performed in Los Angeles or San Francisco, Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, affirm will consider for employment qualified applicants with arrest and conviction records. #J-18808-Ljbffr