Compliance Manager

We're looking for a Compliance Manager to own fraud, collections, and back-office compliance for Mission Lane's credit card business, reporting to the Senior Compliance Manager.

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 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. 

• 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

• 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
• Professional certification: CRCM and/or CAMS

Founded in December 2018, Mission Lane is a purpose-driven fintech company based in the U.S., with headquarters in Richmond, Virginia. 

It all started with a realization:  nearly fifty percent of the adult population in the U.S. doesn’t have access to a clear line of credit. Most traditional credit card companies either overlook or overcharge this group because they have less-than-perfect credit scores or no scores at all. We decided this just wouldn’t do.

In partnership with our sponsor banks, we offer credit cards under the Mission Lane brand name, with better, clearer terms, and a more refined customer experience than the alternatives available to people working hard to improve their credit. To date, over four million consumers have chosen Mission Lane, earning high customer ratings on Credit Karma for its market segment and industry leading Net Promoter scores. 

Mission Lane has cumulatively raised over $600 million of equity from leading investors, including Invus Opportunities, QED Investors, LL Funds, funds affiliated with Oaktree Capital Management, and other leading investors.

Mission Lane is an equal opportunity employer. We do not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, or gender identity), national origin, age, disability, genetic information, or any other protected status. 

Mission Lane provides reasonable accommodations to applicants who need them for medical or religious reasons, as required by law.  Applicants can initiate an accommodation request by contacting peopleexperience@missionlane.com.

Mission Lane is not sponsoring new applicant employment authorization and please, no third-party recruiters.

Our cardholders trust us with their financial well-being, and this trust starts with the integrity of the people on our team. We're looking for team members who share our dedication to transparency and truth. Please verify that the information in your application is accurate and complete. 

Providing any information to Mission Lane that is not completely truthful at any point during the application or hiring process may result in removal from the hiring process, disqualification from future opportunities, withdrawal of an offer or other sanctions for candidates and, in addition for employees, disciplinary action, up to and including termination of employment.