About this role.
Affirm is seeking a senior Regulatory Compliance Manager to own and continuously improve its Australian compliance program for consumer credit and related financial services. The role requires deep expertise in Australian credit licensing, ASIC expectations, responsible lending, product governance, privacy, complaints, and breach reporting. This leader will manage regulatory change, supervisory engagement, risk assessments, remediation, reporting, and cross-functional compliance guidance. The position has material influence over licensing posture, product and conduct risk, consumer outcomes, and local execution of global compliance strategy. It is a remote-first full-time role for an experienced compliance professional working in a fast-paced fintech environment.
Role DNA
A quick view of the complexity, pace, ownership and collaboration implied by the job description.
Job Complexity
5/5Pace & Pressure
5/5Autonomy Level
5/5Communication Load
5/5Salary analysis
Estimated compensation compared with the broader AU market for similar roles.
Core skills
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Cover letter sample
Dear Hiring Team,
I am excited to apply for the Regulatory Compliance Manager, Australia role at Affirm. My background in Australian financial-services compliance, consumer credit regulation, licensing, and risk management aligns strongly with the need to lead a practical, scalable local compliance program.
I would bring a disciplined approach to regulatory change, ASIC engagement, obligations management, incident assessment, remediation, and executive reporting while partnering constructively with Product, Legal, Operations, and Engineering teams. I am particularly motivated by the opportunity to help deliver responsible growth and strong consumer outcomes in a fast-moving fintech environment.
I welcome the opportunity to discuss how my judgment, regulatory expertise, and stakeholder leadership can support Affirm's Australian business.
Sample interview questions
I would map applicable laws, licence conditions, ASIC guidance, and internal policy requirements to specific business activities and accountable owners. For each obligation, I would document controls, testing cadence, evidence standards, key risk indicators, escalation thresholds, and links to related incidents or regulatory changes. I would review the register routinely through a structured horizon-scanning process and use it to prioritize monitoring and remediation.
I would establish a clear response governance structure, including executive sponsorship, legal and compliance coordination, a request tracker, and quality-controlled document collection. I would ensure responses are accurate, timely, and supported by evidence, while identifying any potential control weaknesses that require immediate containment or remediation. Following the engagement, I would document lessons learned and track sustainable corrective actions through governance forums.
I begin with a documented interpretation and impact assessment covering products, customer journeys, policies, systems, controls, reporting, and training. I then assign accountable owners, define implementation milestones and assurance testing, and clearly communicate the business rationale and required outcomes. Before closure, I validate evidence of implementation and assess whether the change has achieved the intended compliance and consumer-outcome objectives.
I would evaluate the relevant legal and licence obligations, the nature and duration of the issue, customer impact, systemic extent, root cause, remediation requirements, and applicable reporting thresholds and deadlines. I would partner with Legal and relevant operational teams to make a well-evidenced determination, escalating material matters promptly. I would also ensure that immediate customer protection, corrective action, and governance reporting occur in parallel with the reportability assessment.
I would engage early, explain the regulatory and consumer-risk implications in clear commercial language, and present practical options rather than simply blocking progress. I would distinguish between non-negotiable legal requirements and areas where risk-based design choices are possible. By documenting the decision, residual risk, controls, and accountable approvals, I would help the team move forward responsibly while protecting customers and the licence.
Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest.
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.
Base Pay Grade – L
Equity Grade – Australia 5
Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills. Base pay is part of a total compensation package that may include monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company).
AUD base pay range per year: $135,000 – $205,000
#LI-Remote
Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.
We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include:
- Health care coverage – Affirm covers all premiums for all levels of coverage for you and your dependents
- Flexible Spending Wallets – generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses
- Time off – competitive vacation and holiday schedules allowing you to take time off to rest and recharge
- ESPP – An employee stock purchase plan enabling you to buy shares of Affirm at a discount
We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.
[For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records.
By clicking “Submit Application,” you acknowledge that you have read Affirm’s Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.
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