Compliance Manager

At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most.

Affirm’s International Compliance team designs and implements compliance programs that proactively address regulatory requirements while identifying and mitigating compliance risks. As a second line of defence function, Compliance partners closely with the business to support new products, markets, and strategic initiatives while strengthening controls and delivering strong consumer outcomes.

As Regulatory Compliance Manager, Australia, you will lead the Australian regulatory compliance program. You will translate global compliance strategy into local execution, ensure applicable Australian regulatory and licensing obligations are met, and support responsible growth and strong consumer outcomes.

Responsibilities

Australian Regulatory Program Ownership

• Own and oversee the Australian regulatory compliance framework for consumer credit and related financial services, including the National Consumer Credit Protection Act, National Credit Code, Privacy Act,, applicable licence conditions, and associated regulatory guidance.

• Maintain documented compliance arrangements that support Australian credit licence obligations and keep pace with regulatory change, including the rules applying to buy now pay later (low cost credit contracts) and consumer credit.

• Lead ASIC examinations, inquiries, information requests, licence interactions, and other supervisory engagement.

• Oversee timely and accurate regulatory notifications and reporting, including reportable situations, internal dispute resolution data, licence updates, and other applicable filings.

Risk Management & Controls

• Maintain the Australian regulatory obligations register and compliance risk assessment process, with clear ownership, controls, monitoring, and evidence.

• Set remediation priorities and oversee root-cause analysis, corrective actions, consumer remediation, and sustainable control improvements

• Monitor compliance metrics and risk indicators across responsible lending, product governance, complaints, hardship, collections, disclosures, marketing, and consumer outcomes.

• Assess incidents and breaches, oversee reportability decisions, and escalate material regulatory risks through local and global governance channels.

Governance & Strategy Execution

• Translate global compliance strategy into Australian operational plans that reflect local laws, licence conditions, ASIC guidance, and regulatory priorities

• Prepare reporting for executive leadership and risk governance committees

• Own the regulatory change process from horizon scanning and impact assessment through implementation, assurance, and evidence of compliance

• Assess governance structures and recommend enhancements where needed

Cross-Functional Partnership

• Partner with Product, Legal, Credit, Marketing, Servicing and Operations, Privacy, Analytics and Engineering teams

• Provide practical regulatory guidance and challenge for new products and business initiatives, including licensing, responsible lending, product design and distribution, disclosures, complaints, hardship, collections, privacy, and advertising

• Influence complex compliance decisions affecting Australian strategy, customer journeys, product governance, and consumer outcomes

Scope & Impact

• Accountable for execution and continuous improvement of the Australian regulatory compliance program

• Exercises discretion in operational planning and resource allocation

• Decisions affect Australian licensing, regulatory posture, product and conduct risk, and consumer outcomes

• Impact horizon typically up to one year

What We Look For

Requirements

• 8+ years of regulatory compliance experience in an Australian regulated financial services, consumer credit, payments, or fintech environment.

Expertise:

• Strong working knowledge of Australian consumer credit and conduct regulation, ASIC expectations, Australian credit licensing, responsible lending, product governance, complaints and breach-reporting requirements. Ability to translate regulatory interpretation into practical business decisions.

Leadership Capability:

• Demonstrated experience managing teams, setting priorities, and driving program execution.

Technical Skills:

• Experience leading regulatory change, obligations management, compliance monitoring and testing, breach and reportable-situations processes, complaints oversight, regulatory reporting, and remediation programs.

Attributes:

• Strong judgment and decision-making capability

• Ability to influence senior stakeholders

• Clear and concise executive communication skills

• Ability to operate effectively in a fast-paced fintech environment

Education:

• Bachelor’s degree required; relevant legal, compliance, risk, governance, or financial services qualification preferred.

Benefits

Our benefits reflect our commitment to care, transparency, and flexibility. Here are a few highlights:

• Health coverage at no cost: We cover 100% of premiums for employees and their dependents.

• Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you.

• Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to.

• Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount.

We’re committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we’re happy to help.

For positions based in San Francisco or Los Angeles: Affirm considers qualified applicants with arrest and conviction records, as required by law.

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Salary

Equity Grade - Australia 5

Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills. Base pay is part of a total compensation package that may include monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company).

AUD base pay range per year: $135,000 - $205,000

#LI-Remote Remote-first with flexibility built in Affirm is proud to be a remote-first company. Most roles can be done from almost anywhere within the country of employment. Some positions may occasionally require in-person work at an Affirm office, and a few are office-based due to the nature of the work. All new hires will be invited to attend an in-person onboarding experience.