State Licensing & Regulatory Compliance Manager (Foothill Ranch)

State Licensing & Regulatory Compliance Manager

We are seeking a highly motivated and detail-oriented State Licensing & Regulatory Compliance Manager with strong compliance and paralegal experience to join our dynamic, fast-growing startup captive finance company specializing in retail installment loans for the powersports industry across all 50 states. This pivotal role operates at the intersection of regulatory compliance, and customer protection, ideal for a professional passionate about risk mitigation and regulatory excellence in a fast-paced environment. The State Licensing & Regulatory Compliance Manager will lead the preparation, submission, and renewal of state licenses nationwide, ensuring uninterrupted business operations and adherence to all applicable regulatory requirements. Responsibilities include reviewing and preparing regulatory documents, supporting regulatory audits, and interpreting both federal and state compliance obligations. This position also plays a key role in supporting quality assurance functions across operational departments, dealer partners, and internal stakeholders to ensure that compliance standards are met and appropriate corrective actions are implemented. This role contributes to the development and maintenance of internal compliance frameworks, dual controls, workflows, policies, and job aids, while monitoring regulatory trends and identifying emerging risks that may impact business operations. The ideal candidate will have at least five years of experience in regulatory compliance and licensing, preferably within the finance, automotive, or powersports sectors. Strong capabilities in analyzing complex regulations, drafting and reviewing documentation, supporting bankruptcy-related matters, and conducting compliance testing are essential for success in this critical risk-focused role. This position will report to the Vice President of Corporate Planning.

Key Responsibilities :

• Manage all aspects of new and renewal state licensing across 50 states, including administration through the Nationwide Multistate Licensing System (NMLS), ensuring compliance with retail installment loan regulations and uninterrupted business operations.
• Serve as the primary liaison with state regulators, coordinating timely and accurate responses to audits, examinations, and licensing inquiries.
• Track and manage licensing deadlines, bonding requirements, and state-specific obligations to maintain full regulatory compliance.
• Develop, implement, and maintain compliance policies, procedures, workflows, and internal controls aligned with federal and state regulatory expectations.
• Monitor and interpret regulatory changes at both the federal and state levels, facilitating policy updates and change management across departments.
• Oversee Quality Assurance (QA) functions across operational departments, including staff training, call monitoring, testing protocols, and compliance reviews.
• Conduct internal audits to identify risks, control gaps, and compliance deficiencies; issue reports and manage corrective action plans.
• Deliver compliance training to staff and managers to ensure awareness of regulatory obligations and company standards.
• Review customer-facing communications, disclosures, and scripts for compliance with applicable laws and internal policies.
• Collaborate cross-functionally with legal, risk, and operations teams to ensure cohesive implementation of compliance requirements.
• Maintain accurate documentation, audit records, and regulatory reports to support internal and external compliance efforts.
• Identify and assess emerging regulatory risks and industry trends, contributing to the company's proactive compliance strategy.
• Prepare and present compliance reports and strategic insights to leadership on a monthly, quarterly, and annual basis.
• Support special projects and contribute to the company's overall growth and operational excellence.

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Equal Opportunity : KMRF is an Equal Opportunity Employer; employment with KMRF is governed on the basis of merit, competence and qualifications and will not be influenced in