Affirm’s International Compliance team designs and implements compliance programs that proactively address regulatory requirements while identifying and mitigating compliance risks. As a second line of defence function, Compliance partners closely with the business to support new products, markets, and strategic initiatives while strengthening controls and delivering strong consumer outcomes.

As Regulatory Compliance Manager, Australia, you will lead the Australian regulatory compliance program. You will translate global compliance strategy into local execution, ensure applicable Australian regulatory and licensing obligations are met, and support responsible growth and strong consumer outcomes.

What You’ll Do

Australian Regulatory Program Ownership

• 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 the 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.

Risk Management & Controls

• 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.

Governance & Strategy Execution

• 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

Cross-Functional Partnership

• 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

Scope & Impact

• Accountable for execution and continuous improvement of the Australian regulatory compliance program
• Exercises discretion in operational planning and resource allocation
• Decisions affect Australian licensing, regulatory posture, product and conduct risk, and consumer outcomes
• Impact horizon typically up to one year

What We Look For

Experience:

• 8+ years of regulatory compliance experience in an Australian regulated financial services, consumer credit, payments, or fintech environment. 

Expertise:

• 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.

Leadership Capability:

• Demonstrated experience managing teams, setting priorities, and driving program execution.

Technical Skills:

• Experience leading regulatory change, obligations management, compliance monitoring and testing, breach and reportable-situations processes, complaints oversight, regulatory reporting, and remediation programs.

Attributes:

• Strong judgment and decision-making capability
• Ability to influence senior stakeholders
• Clear and concise executive communication skills
• Ability to operate effectively in a fast-paced fintech environment

Education:

• Bachelor’s degree required; relevant legal, compliance, risk, governance, or financial services qualification preferred.