Head Of Compliance
We believe everyone deserves a chance to improve their financial future. We're dedicated to building simple and inclusive financial products that help our members create healthy habits and achieve economic stability.
The Perpay team is a motivated group of creative problem solvers who love getting things done and making an impact. Located in Center City, Philadelphia, our one-of-a-kind space promotes a collaborative work environment, unites our team, and feels like a home away from home. As a certified B Corp, Perpay is committed to building a mission-driven culture that balances purpose and performance.
Some things we're excited about :
- $500 million in spending power used by our members
- Increasing members' credit by 32 points (on average) within the first 3 months
- Backed by First Round Capital and JP Morgan
Products we've built to make an impact :
Perpay Marketplace : Combines interest-free payments and modern e-commerce to reduce cost of ownership and promote healthy repayment behavior.Perpay+ : Leverages Marketplace repayment history to help members monitor and build credit with all 3 credit bureaus.Perpay Credit Card : Expands access to the flexibility and benefits of a World Mastercard by removing common barriers like high security deposits and low approval odds.About The Role :
As Head of Compliance at Perpay, you will lead the development, execution, and continuous improvement of our enterprise-wide Compliance Management System (CMS) in support of our mission to build inclusive financial products that improve the lives of our members. With the Perpay Credit Card, issued by Celtic Bank, and future innovations on the horizon, this is a high-impact leadership opportunity to shape how compliance enables responsible innovation.
You will serve as a strategic partner across Product, Engineering, Data Science, and Operations to find creative, compliant paths to bring new ideas to lifebalancing consumer protection, regulatory expectations, and business growth. You will also lead our efforts to strengthen and scale our BSA / AML compliance framework in alignment with evolving risk profiles and bank partner requirements.
Our greatest strength is our people and we'd love for you to be one of them!
Why You'll Love It Here :
Creative Influence : Help shape the future of financial products while building risk-aware and innovation-friendly solutionsLeadership Opportunity : Define the vision and build the compliance function as Perpay scales its offerings and footprintMission-Aligned Work : Ensure responsible access to credit for underserved consumers while maintaining regulatory integrityCollaborative Culture : Work cross-functionally with smart, mission-driven teams in a fast-paced, entrepreneurial environmentWhat You'll Do :
Own the vision, design, and day-to-day operation of Perpay's CMS, ensuring it evolves with regulatory expectations, business strategy, and partner bank standardsServe as the internal authority and advisor on compliance and BSA / AML matters, driving education, accountability, and alignment across all teamsBuild and lead a growing compliance team, setting clear priorities and scaling systems to support our expanding credit productsOversee critical CMS functions including Complaint Management, Vendor Oversight, Issue Management, Monitoring & Testing, and Compliance TrainingDevelop, maintain, and oversee the execution of an effective BSA / AML program, including risk assessments, transaction monitoring, and suspicious activity reporting in collaboration with external partnersWork cross-functionally to identify risks and creatively design compliant solutions that support new product initiatives and operational changesMonitor the regulatory environment for changes and lead implementation of new requirements with agility and precisionReport regularly to executive leadership and the Board on key compliance and AML trends, risks, and program performanceInterface with external partners, including bank partners, to represent the compliance functionCultivate a compliance-forward culture rooted in transparency, curiosity, and proactive risk mitigationWhat You'll Bring :
5+ years of leadership experience in compliance within a financial services or fintech environment, including direct experience with BSA / AML frameworksStrong knowledge of relevant consumer protection laws and regulations (e.g., TILA, ECOA, FCRA, UDAAP, GLBA), and how they apply to credit cards and bank-partnered fintechsExperience designing and implementing scalable compliance and AML processes in high-growth or entrepreneurial environmentsProven ability to balance regulatory requirements with business innovation, providing actionable, creative guidance on new ideas and product launchesExcellent communication and stakeholder management skills, with the ability to work cross-functionally and influence at all levelsA pragmatic, proactive approach to compliance that focuses on finding solutions and building trust and relationships between internal stakeholders and external partnersHey, we know not everybody checks all the boxes, so if you're interested, please apply because you could be just what we're looking for!
What We'll Bring :
Competitive salary + company equity401k with company matchMedical / Dental / Vision insuranceFlexible Spending Account (FSA)Team member discountsRelocation assistancePre-tax commuter benefitStudent loan repayment matchGym subsidy with City FitnessCell phone planPaid parental leaveUnlimited PTOAdditional Perks :
Opportunity to gain experience at one of the fastest-growing financial startups in the countryWork on both e-commerce & fintech customer-facing productsCollaborate cross-functionally with product, design, marketing, operations, data teams, and moreThis is not a remote opportunity; it is 100% onsite.
Perpay is proud to be an equal opportunity employer. We value diversity in all its forms and are committed to creating an inclusive environment. We do not discriminate on the basis of race, religion, color, national origin, gender identity, sexual orientation, sex (including pregnancy), marital status, political affiliation, age, veteran status, disability status or other non-merit factor. Please contact us at careers@perpay.com to request accommodation.