Compliance Manager at Oportun in Remote
Overview This position is responsible for providing advisory compliance support and developing and executing monitoring programs for the credit card servicing and collections functions at Oportun. Specific areas of operational focus will include but are not limited to customer service/account servicing, early and late-stage collections, complaint handling, recovery, bankruptcy, customer communications and collections training. In this role the Compliance Manager will report to the Sr. Compliance Manager for Credit Cards and work closely with the Senior Director of Regulatory Legal, business partners and operational teams in ensuring that appropriate and sufficient controls are in place to comply with all company related policies, procedures, applicable State and Federal lending laws. Responsibilities Work with engineering and business leaders to identify the compliance related requirements for new collection and servicing tools as they relate to the credit card program. Review servicing/collections customer-facing communications for the card program to ensure it aligns with program guidelines. Support the design of an effective credit card quality assurance program for servicing and collections. Provide guidance on test cases as it relates to User Acceptance Testing on compliance requirements pre-production. Conduct post-production testing to ensure functionality is adequate. Serve as key compliance contact to answer compliance related questions and participate on project teams for collections and servicing business units. Partner with the Compliance Monitoring and Testing Team to create a risk-based approach to credit card collections monitoring. Develop innovative and creative recommendations for correcting unsatisfactory conditions and improving operations, servicing and collections. Assist in the development of control automation. Review servicing and collections scripts, procedures, and training. Address test/risk assessment findings to assure implementation of agreed remediation measures. Manage complaint handling of high-risk regulatory complaints. Assist the Sr. Compliance Manager in completing annual credit card risk assessments. Perform special projects, reviews and other duties as assigned. Qualifications 7
years combined regulatory compliance and/or Legal experience in the areas of servicing consumer credit cards. Bachelor's degree from an institution with accepted accreditation Experience supporting a bank partnership card program. In-depth knowledge of federal and state consumer credit laws and regulations servicing and collections of consumer credit. Specific knowledge of key regulations including but not limited to:
Reg B, Reg Z, Reg E, the US PATRIOT Act, Gramm-leach Bliley, Reg P, TCPA, FCRA, Bank Secrecy Act, FDCPA, US Bankruptcy Law and other federal consumer financial protection laws. Strong analytical skills and ability to exercise sound judgment in development of compliance solutions. Detail oriented with the ability to identify potential compliance related risks through compliance oversight activities. Ability to work independently and respond quickly to a changing environment. Ability to build internal relationships and work cross-functionally. Excellent written and verbal communication/presentation skills, including the ability to persuade and influence a broad spectrum of constituents at all levels, including senior management. Strong project management and organizational skills and ability to handle multiple projects at one time with a high sense of urgency. CRCM or other Compliance Certifications a plus. Spanish fluency (written and verbal) a plus. #LI-DH1 #LI-Remote #IND
Salary Range:
$100K -- $150K
Minimum Qualification
Auditing & ComplianceEstimated Salary: $20 to $28 per hour based on qualifications.
years combined regulatory compliance and/or Legal experience in the areas of servicing consumer credit cards. Bachelor's degree from an institution with accepted accreditation Experience supporting a bank partnership card program. In-depth knowledge of federal and state consumer credit laws and regulations servicing and collections of consumer credit. Specific knowledge of key regulations including but not limited to:
Reg B, Reg Z, Reg E, the US PATRIOT Act, Gramm-leach Bliley, Reg P, TCPA, FCRA, Bank Secrecy Act, FDCPA, US Bankruptcy Law and other federal consumer financial protection laws. Strong analytical skills and ability to exercise sound judgment in development of compliance solutions. Detail oriented with the ability to identify potential compliance related risks through compliance oversight activities. Ability to work independently and respond quickly to a changing environment. Ability to build internal relationships and work cross-functionally. Excellent written and verbal communication/presentation skills, including the ability to persuade and influence a broad spectrum of constituents at all levels, including senior management. Strong project management and organizational skills and ability to handle multiple projects at one time with a high sense of urgency. CRCM or other Compliance Certifications a plus. Spanish fluency (written and verbal) a plus. #LI-DH1 #LI-Remote #IND
Salary Range:
$100K -- $150K
Minimum Qualification
Auditing & ComplianceEstimated Salary: $20 to $28 per hour based on qualifications.
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