--- title: 'Compliance Manager (Australia) at Affirm' canonical: 'https://feeny.ai/job/compliance-manager-australia-affirm-australia-v19skqqsgptn' type: 'job' last_seen: '2026-09-06' --- # Compliance Manager (Australia) at Affirm - **Company:** Affirm - **Location:** Australia - **Work type:** remote - **Posted:** 2026-07-20 - **Last confirmed live:** 2026-09-06 - **Apply:** https://job-boards.greenhouse.io/affirm/jobs/7798815003 ## Job description 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](https://www.affirm.com/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. ## About Affirm ## Company Overview - **One-liner**: Affirm is a financial technology company that offers transparent, flexible buy now, pay later (BNPL) installment loans, a debit card, and a savings account, enabling consumers to pay over time without hidden fees. - **Entity Type**: Public (NASDAQ: AFRM) - **Headquarters**: San Francisco, California, United States - **Founded**: 2012 - **Founders**: Max Levchin, Nathan Gettings, Jeffrey Kaditz, Alex Rampell ## Core Business - **Primary industry**: Financial services – point-of-sale lending, digital payments, consumer banking. - **Target customers**: B2C (consumers seeking flexible payment options) and B2B (merchants of all sizes, from SMBs to enterprise retailers). - **Mission or purpose statement**: To deliver honest financial products that improve lives, offering transparency with no late fees or hidden charges. ## Products & Services - **Adaptive Checkout**: An AI-powered checkout flow that optimizes payment options for each consumer. - **AdaptAI**: A suite of AI tools for merchants to personalize offers and manage risk. - **BoostAI**: An AI-driven feature that dynamically adjusts installment terms to increase approval rates. - **Split Pay**: A BNPL product that lets consumers split purchases into biweekly payments. - **Affirm Card**: A Visa debit card that allows cardholders to pay over time at any merchant that accepts Visa. - **Affirm Money Account**: A high-yield savings account and debit card, held with Cross River Bank, Member FDIC. ## Market Standing - **Valuation/Market Cap**: USD 5.17 billion (as of July 2026) - **Key Metric**: Annual Revenue – USD 3.22 billion (trailing twelve months as of Q3 FY2026). Total funding raised (including debt financing) – USD 9.57 billion. - **Notable Investors/Partners**: Partners include Bed Bath & Beyond, Royal Caribbean, Stripe (UK), Google, Costco, and Backcountry. Investors include Morgan Stanley, Sixth Street, and CPP Investments. - **Growth Signals**: Nearly 27 million active consumers, 515,000 active merchants, and over $46 billion in Gross Merchandise Volume (LTM as of March 31, 2026). Revenue grew to $3.22B, and the company achieved positive net income of $52M in FY2025. Headcount increased 1.1% YoY to 2,132 employees, with active job postings up 103.8% year-over-year. ## Competitive Advantages - **Transparency-first model**: No late fees, no compounding interest – a key differentiator in the BNPL space. - **Machine learning underwriting**: Proprietary risk models that evaluate each transaction in real-time, reducing defaults while maintaining high approval rates. - **Large merchant network**: 515,000+ active merchants, including major retailers, providing broad consumer reach. - **Integrated ecosystem**: The Affirm Card and Money Account create a sticky financial platform beyond just checkout loans. ## Strategic Focus - **International expansion**: Currently operating in the U.S., Canada, and the UK, with recent partnerships (e.g., Stripe in UK, Royal Caribbean in UK/Canada) signaling further global growth. - **AI & personalization**: Continued investment in AI tools (AdaptAI, BoostAI) to improve merchant conversion and consumer experience. - **Affirm Card growth**: Driving adoption of the card as a daily payment method, with 4.4 million card active consumers. - **Capital partnerships**: Renewing and expanding capital partnerships (e.g., CPP Investments) to fund loan origination. ## Why Work Here - **Remote-first culture**: Most roles are remote within the employee’s home country, with a simple, transparent compensation structure. - **Generous benefits**: 18 weeks of paid parental leave for birth and non-birth parents, plus a 4-week return-to-work transition at full pay. 20 company-wide paid days off (“Away Days”) to collectively recharge. Flexible time off, mental healthcare programs, and “spending wallets” for tech, food, lifestyle, and family planning. - **Learning & development**: Exciting learning programs to level up growth. - **Employee community**: Active employee resource groups and supportive communities. - **Compensation**: Transparent, flexible, remote-first structure. Example: Senior Software Engineer median salary ~$207,029/year. - **Workplace ratings**: 3.8/5 on LinkedIn (638 reviews), with compensation rated 4.4/5, culture 3.6/5, and work-life balance 3.6/5. - **Engineering culture**: Heavy technical team (29% of workforce in engineering/technical roles), with strong talent from PayPal, Amazon, Google, and Stripe. ## Sources 1. [affirm.com/careers](https://www.affirm.com/careers) 2. [linkedin.com/company/affirm](https://www.linkedin.com/company/affirm) 3. 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