Compliance Manager (Australia)

Affirm's International Compliance team designs and implements compliance programs that proactively address regulatory requirements while identifying and mitigating compliance risks. As Regulatory Compliance Manager, Australia, you will lead the Australian regulatory compliance program, translating global compliance strategy into local execution, ensuring applicable Australian regulatory and licensing obligations are met, and supporting responsible growth and strong consumer outcomes.

• 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 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.
• 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.
• 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.
• 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.

• 8+ years of regulatory compliance experience in an Australian regulated financial services, consumer credit, payments, or fintech environment.
• 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.
• Demonstrated experience managing teams, setting priorities, and driving program execution.
• Experience leading regulatory change, obligations management, compliance monitoring and testing, breach and reportable-situations processes, complaints oversight, regulatory reporting, and remediation programs.
• Strong judgment and decision-making capability, ability to influence senior stakeholders, clear and concise executive communication skills, and ability to operate effectively in a fast-paced fintech environment.
• Bachelor’s degree required; relevant legal, compliance, risk, governance, or financial services qualification preferred.

Base pay range per year: AUD $135,000 - $205,000. 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). Benefits include flexible time off, generous holiday calendars, and an employee stock purchase plan (ESPP) that lets you buy Affirm stock at a discount.

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