Job Description:
• 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).
• Serve 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.
• Significant, senior-level experience in 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.
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.