Director, Compliance & Control Oversight - Growth

How you’ll make an impact

• Channel & partner oversight: Own first-line compliance and controls for the growth function — acquisition channels, marketing programs (social, direct mail, email, co-branded), partner and affiliate relationships, and new product introductions — reviewing each for regulatory, fair lending, and disclosure risk, and approving marketing materials and third-party-produced content before release.
• Regulatory review & approval: Bring UDAAP, Regulation B, CAN-SPAM, TCPA, and disclosure expertise to the front of the design process — translating regulatory requirements into practical guidance for channel launches, partner agreements, and product changes at the design stage, not at the finish line.
• Control framework: Build and maintain the business control framework: marketing approval policies, campaign inventory and change control, compliance monitoring, and regulatory change management. Quantify exposure and calibrate controls based on actual risk — not volume or optics.
• Accountability: Own root cause analysis and remediation design for growth-related compliance matters — complaints, risk assessments, marketing claims violations, and disclosure errors — working with the issue management function to drive durable fixes tracked to completion.
• Influence: Operate as a trusted compliance partner in both directions: enabling Growth, Product, Marketing, and ML teams to move with clarity and speed, while representing the business to second-line compliance, Legal, and auditors across risk assessments, fair lending reviews, and regulatory examinations. Maintain examination-ready documentation and serve as the business’s primary point of contact in audits and governance reviews.
• Team leadership: Build and develop a compliance team with depth across consumer protection, marketing, and acquisition channel regulation. Set the standard for analytical rigor, proactive issue identification, and practical guidance that enables the business — not just gatekeeping.

Minimum Qualifications

• 7+ years in compliance, legal, or risk management in consumer lending, banking, or fintech
• Direct experience in marketing compliance, customer acquisition oversight, or partner/affiliate compliance
• Deep working knowledge of consumer protection regulations applicable to loan marketing and offer generation, including UDAAP, Regulation B, CAN-SPAM, TCPA, and applicable state laws
• Demonstrated experience managing a first-line compliance function in a bank-regulated environment, including operating across first-line, second-line, and Legal structures with clear accountability; credible with regulators, internal audit, and senior leadership

Preferred Qualifications

• Able to apply UDAAP, Regulation B, and related consumer protection frameworks to novel marketing and channel contexts — quantifying exposure and prioritizing controls based on materiality, not issue volume
• Confident and credible with Growth and Product leaders, regulators, and second-line partners — including experience supporting OCC, CFPB, or state regulatory examinations on consumer lending compliance; able to hold a position and represent the business directly
• Track record of identifying compliance gaps in marketing programs, acquisition channels, or partner relationships before they escalate — proposing solutions and driving execution without waiting for direction
• Accountable end-to-end for compliance outcomes — works root causes through to resolution on marketing violations, disclosure issues, and control gaps, not just escalation
• Familiarity with secured consumer lending marketing compliance, including HELOC or home equity lending
• Familiarity with AI/ML-driven credit decisioning — including adverse action accuracy and fair lending implications — and comfort using AI tools to increase the efficiency and quality of compliance work

Compensation & Benefits

• Target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k)