Compliance Manager

The impact you'll make:

Every fraud dispute, collections action and back-office process affects a real person. When those interactions are fair, compliant and accurate, Mission Lane delivers on our promise to enable progress for our customers. The compliance infrastructure this role will own makes sure we get this right.

In this role, you'll be the embedded compliance authority across Mission Lane's fraud, collections, and back-office servicing operations. As a trusted business partner, you’ll own day-to-day escalations from fraud and collections and run testing and monitoring against critical controls. You’ll proactively identify gaps, develop and deliver guidance on high-risk compliance topics, partnering with the business to strengthen programs, elevating the expertise of the compliance team around you, and contributing to the strategic direction for these areas.

You'll thrive in this role if:

• You know how to build trust as the person asking hard questions. You understand that critical challenge and genuine partnership aren't opposites, and you can build the kind of relationship where both are possible.
• You can dial your risk lens up or down based on the environment. Mission Lane moves fast, and our business strategy reflects that. You can move with speed while knowing precisely when something needs to go to Legal.
• You're curious about how things actually work. You ask "why do we do it this way?" before "is this okay?" That question makes you a better partner and a sharper compliance professional.
• You can hold your own in a conversation about AI-driven collections models or evolving contacting strategies. You don't need to be a technical expert, but you need to be able to engage with the technology and the regulatory framework in the same breath.
• You're ready for what a compliance function at Mission Lane's stage looks like: active building, not just maintaining.

Minimum Qualifications:

• 6+ years of experience in compliance within a fintech or financial services company
• Direct experience in fraud compliance, including dispute handling processes, remediation frameworks, and complaint-driven risk areas
• Solid working knowledge of FCRA/Reg V, FDCPA/Reg F, ECOA/Reg B, UDAAP, SCRA, and Bankruptcy Code automatic stay provisions
• Demonstrated ability to synthesize complex regulatory requirements and translate them into practical, risk-balanced guidance for business partners
• Experience conducting compliance monitoring, testing, or audit and exam preparation
• High degree of self-direction: you can prioritize competing demands and adapt quickly in a changing environment
• Ability to travel approximately four times a year for two to five days at a time

Preferred Qualifications:

• Experience at a national bank, in credit card compliance
• Specific experience in collections and recovery compliance, including familiarity with AI/ML-driven contacting models
• Familiarity with eOscar, credit reporting dispute workflows, and furnisher obligations
• Experience operationalizing regulatory changes in servicing and back-office environments
• Experience with bankruptcy compliance, including automated controls for stay violation prevention