Senior Consumer Compliance and Payments Lead

Esusu: Building Credit Access for All

Your financial future shouldn't depend on your race, background, or zip code. Yet 45 million Americans remain "credit invisible," while countless others face denials, evictions, and predatory interest rates regularly. Esusu is changing that.

As a financial technology and data platform, we're revolutionizing financial health, identity services, and inclusive decision-making for individuals and businesses alike.

Our impact speaks volumes:

• $50 billion in credit activity facilitated
• 5 million+ rental units in our network
• Trusted partnerships with leading real estate companies, government entities, fintechs, banks, and employers

Through our enterprise services, embedded products, and consumer offerings, we're creating a financial system that works for everyone—right when fintech innovation matters most. Join us in building a future where financial systems are inclusive by design, access is standard, and opportunity reaches everyone. 

Unlock Tomorrow with Esusu. 

About the Role

The Consumer and Payments Compliance Lead is responsible for designing, implementing, and overseeing Esusu’s consumer and payments compliance program. This role provides subject-matter expertise on U.S. consumer financial regulations and payment network rules (e.g., Regulation E, NACHA Operating Rules, card network rules, UDAAP, privacy, and state consumer protection requirements) and serves as a primary liaison to our bank partners and payment vendors on compliance matters.

The role sits within the Risk & Compliance Management Department and operates as a second line of defense, partnering closely with Legal, Operations, Product and other internal and external partners to ensure that Esusu’s consumer-facing products and payment flows remain compliant, well-controlled, and aligned with industry best practices.

What You’ll Do

Program Ownership and Governance

• Design, implement and continuously improve the consumer and payments compliance program, including policies, standards, procedures, and control frameworks aligned to Esusu’s risk management framework and applicable regulations.
• Maintain and update policies and procedures for ACH, wire, card, and other electronic payments, in coordination with bank partners and payment processors.
• Establish and maintain a compliance risk assessment for consumer and payments activities, including periodic reassessments and documentation of inherent risks, controls, residual risk, and remediation actions.
• Provide compliance reporting and insights on consumer and payments compliance risks, issues, and trends to the Risk & Compliance leadership and relevant governance forums (e.g., risk committees, partner oversight meetings).

Regulatory Advisory and Interpretation

• Serve as the primary internal subject-matter expert for consumer protection and payments regulations, including but not limited to:
• Electronic Fund Transfer Act / Regulation E
• NACHA Operating Rules and ACH Risk requirements
• Applicable card network rules (if relevant to product set)
• UDAAP, Fair Credit Reporting Act (FCRA) as it relates to consumer reporting, and related federal and state consumer protection laws.
• Review new and proposed products, features, and processes that involve consumer interactions or payment flows, providing clear, risk-based compliance requirements and documenting decisions and rationale.
• Monitor regulatory developments and industry guidance related to consumer and payments compliance; assess impact to Esusu and drive implementation of required changes in partnership with stakeholders.

Card Scheme Compliance

• Act as subject matter expert for Visa, Mastercard, and other network rules, managing audits, and implementing scheme requirements.

Complaints Management

• Work with Customer Service, Risk, Compliance and Legal to develop and maintain a structured complaints management process to handle customer complaints at various tiers, ensure prompt resolution, and identify any systemic issues.

Bank Partner and Vendor Engagement

• Act as a primary compliance point of contact for Esusu’s bank partners and key payment-related vendors (e.g., Lead Bank, ACH originator/processor, KYC/AML platforms) on consumer and payments compliance topics.
• Coordinate and support annual and periodic assessments required by bank partners and payment networks, including ACH Risk Assessments, ACH audits, security audits, and payments-related policy reviews.
• Ensure that vendor and partner contracts, SLAs, and control expectations related to consumer and payments compliance are documented, understood, and periodically reviewed in partnership with the Risk Management, Legal, and Vendor Management teams.

Loan Servicing Oversight (Excluding Credit Reporting)

Provide oversight of loan servicing processes to ensure compliance with applicable lending and servicing regulations (other than credit reporting), including:

• Payment Processing & Statements
• Borrower Communications
• Hardship and Modifications
• Customer Inquiries

Monitoring, Testing, and Issue Management

• Design and execute monitoring and testing for consumer and payments compliance controls, including transaction-level testing, sample reviews of disclosures and authorizations, and evaluation of exception handling (returns, disputes, chargebacks, reversals).
• Partner with Operations and Customer Support to ensure consumer complaints, disputes, and escalations (e.g., CFPB, BBB, state regulators, bank partner referrals) are handled in accordance with regulatory requirements and documented procedures.
• Identify compliance issues and control weaknesses, document root causes and impacts, and track remediation actions through closure, escalating where needed to Risk & Compliance leadership and bank partners.

Underwriting & Eligibility Review

• Conduct eligibility and underwriting reviews for all consumer loan applicants, ensuring that applicants meet program-specific criteria and that each loan is issued in accordance with Esusu’s documented credit and regulatory standards.

Training, Communication, and Documentation

• Partner with the Risk and Compliance team to develop and deliver targeted training to first line teams (e.g., Operations, Product, CX) on consumer and payments compliance topics, including Reg E dispute handling, ACH authorization requirements, disclosures, and complaint handling expectations.
• Maintain clear, current governance documentation for consumer and payments compliance, including policies, procedures, job aids, and process maps to support consistent execution and audit readiness.
• Support responses to internal and external audits, regulatory inquiries, and due diligence requests, ensuring that documentation and evidence related to consumer and payments compliance activities are organized, complete, and accurate.

Cross-Functional Partnership

• Partner with Product and Engineering on change management for systems impacting consumer onboarding, payment initiation, refunds, credits, and reporting, ensuring that changes are assessed for compliance impact prior to deployment.
• Collaborate with Risk Management, Information Security, and Data teams to ensure that data privacy, data retention, and security controls related to consumer and payment data align with applicable laws and Esusu policies.
• Provide advisory support in the design and review of business continuity and incident response plans as they relate to consumer harm and payments disruption (e.g., payment failures, data incidents affecting payment instructions).

What We’re Looking For

• Degree and or certifications in Business, Compliance, Audit, Risk Management, or related field, or equivalent practical experience.
• Significant, senior-level experience in compliance, legal, or risk management experience in financial services, fintech, banking, or payments, with significant exposure to U.S. consumer protection and/or payments regulations.
• Demonstrated expertise applying Regulation E, NACHA Rules, UDAAP, FCRA, and related consumer and payments requirements in a business environment.
• Deep understanding of payment clearing, settlement and regulatory requirements.
• Experience working in or with a second line of defense risk/compliance function, including advising first line teams and providing independent challenge.
• Strong track record of building and maintaining policies, procedures, and control frameworks and performing monitoring/testing over compliance controls.
• Excellent written and verbal communication skills, with the ability to translate complex regulatory requirements into clear, actionable guidance for non-technical stakeholders.
• Proven ability to manage multiple priorities in a fast-paced, high-growth environment and to work effectively with cross-functional teams and external partners.

Preferred 

• Experience working in a bank–fintech partnership model (e.g., sponsor bank arrangements, Banking-as-a-Service) or embedded finance environment.
• Prior involvement in annual ACH Risk Assessments, ACH audits, payment security assessments, or similar oversight engagements with bank partners or payment networks.
• Familiarity with complaints management, investigative responses to regulatory bodies (e.g., CFPB, BBB, state regulators), and remediation of consumer harm.
• Professional certification(s) in compliance or risk (e.g., CRCM, CAMS, CCEP, CRisk) a plus.

This role is likely not a fit if:

• You prefer a narrow, policy-only compliance role and do not want to be hands-on with monitoring, testing, and issue remediation.
• You are uncomfortable working in a bank/fintech partnership environment or interpreting evolving guidance from bank partners and payment networks.
• You have limited experience with Regulation E, NACHA, UDAAP, FCRA, and payments operations, and are looking to “learn on the job” at a senior level.
• You prefer highly structured, slow-changing environments and are not energized by ambiguity, speed, and building programs from the ground up or scaling them.
• You are not comfortable challenging stakeholders (including senior leaders and partners) when compliance or consumer harm risks are present.
• You are satisfied with “good enough” instead of holding a high bar for control design, documentation quality, and testing coverage across consumer and payments compliance.