Compliance Lead, Canada

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. As a Compliance Lead, Canada, you will play a pivotal role as an individual contributor responsible for the Canada compliance framework. You will apply deep regulatory expertise and independent judgment to ensure alignment with Canadian regulatory requirements while integrating local obligations into the global compliance program.

• Serve as subject matter expert on consumer protection, payment regulations and related financial regulatory requirements.
• Support execution of risk controls related to safeguarding, operational risk and program governance under the Retail Payments Activities Act (RPAA).
• Provide regulatory advice to Product, Legal, Risk, and Operations teams on new initiatives and business changes.
• Interpret regulatory developments and translate them into actionable business guidance.
• Support regulatory examinations, inquiries, and supervisory engagement.
• Oversee required Canadian regulatory reporting and ensure timely, accurate submissions.
• Prepare compliance updates for senior leadership and risk governance forums.
• Support preparation of materials for executive and Board-level committees.
• Maintain documentation evidencing regulatory compliance and program effectiveness.
• Lead the Canada compliance risk assessment and periodic refresh processes.
• Evaluate control effectiveness and recommend enhancements where gaps are identified.
• Review monitoring outputs and provide expert-level guidance on issue disposition.
• Escalate material compliance risks appropriately within global governance structures.
• Maintain and enhance Canada-specific policies, procedures, and control documentation.
• Support development of compliance monitoring activities aligned to local risk exposure.
• Partner cross-functionally to ensure remediation efforts are implemented effectively.

• 5+ years of compliance, regulatory, or legal experience in a Canadian regulated financial services environment (consumer credit or fintech preferred).
• Bachelor’s degree required; CAMS/CFCS or similar certification is an asset.
• Strong working knowledge of Canadian consumer protection and payment regulations along with the applicable regulatory frameworks (e.g., RPAA and related obligations).
• Ability to apply regulatory interpretation pragmatically within a commercial environment.
• Experience supporting regulatory reporting, compliance risk assessments, and control testing.
• Strong analytical and documentation skills.
• Ability to operate independently with sound judgment.
• Excellent written and verbal communication skills.
• Pragmatic, solutions-oriented mindset.
• Ability to influence cross-functional stakeholders.

Pay Grade - J, Equity Grade - 4. CAN base pay range per year: $101,000 - $151,000. Total compensation 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). Employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company). Additional benefits include: Health care coverage (Affirm covers all premiums for all levels of coverage for you and your dependents), Flexible Spending Wallets (generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses), Time off (competitive vacation and holiday schedules), and ESPP (employee stock purchase plan enabling you to buy shares of Affirm at a discount).

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