Compliance Manager (Australia)

Affirm operates a buy-now-pay-later platform that offers consumers flexible payment options without hidden fees or compounding interest. The International Compliance team designs and implements compliance programs to address regulatory requirements and mitigate compliance risks across jurisdictions. This remote role, based in Australia, leads the Australian regulatory compliance program, translating global compliance strategy into local execution while ensuring the company meets applicable Australian regulatory and licensing obligations.

Responsibilities

• 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 supporting Australian credit licence obligations and ensure frameworks keep pace with regulatory changes, including 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
• 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
• 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 and control monitoring

Requirements

• Demonstrated experience in Australian financial services or consumer credit regulatory compliance
• Knowledge of the National Consumer Credit Protection Act, National Credit Code, Privacy Act, and ASIC regulatory requirements
• Experience managing ASIC supervisory engagement, examinations, and regulatory reporting obligations
• Experience developing and maintaining compliance risk assessments, control frameworks, and regulatory obligations registers
• Experience monitoring compliance metrics, conducting root-cause analysis, and implementing corrective actions
• Experience translating regulatory requirements into operational compliance plans and controls