Director, Compliance Risk

Description

POSITION DESCRIPTION: 

RESPONSIBILITIES

• Lead the design, enhancement, and ongoing execution of EnFin’s Compliance Management System (CMS), ensuring alignment with regulatory expectations (e.g., CFPB, state regulators, bank partners).
• Establish and maintain a risk-based compliance framework, including policies, standards, and procedures across all applicable jurisdictions.
• Serve as a senior escalation point for complex compliance issues, providing clear, actionable guidance to business stakeholders.

• Oversee enterprise-wide regulatory risk assessments, including inherent risk identification, control evaluation, and residual risk determination.
• Ensure risks are appropriately documented, tracked, and remediated through a centralized issues management framework.
• Partner with Legal and Regulatory Affairs to interpret new and emerging regulations and assess business impact.

• Own the governance and execution of the compliance issues management lifecycle, including identification, root cause analysis, remediation planning, validation, and closure.
• Provide credible challenge and oversight of corrective action plans to ensure timely and sustainable resolution.
• Deliver transparent reporting to executive leadership on issue status, trends, and emerging risks.

• Oversee the development and execution of a risk-based compliance monitoring and testing program.
• Ensure control design and effectiveness across key compliance domains (e.g., UDAAP, TILA/RESPA, privacy, servicing, marketing practices).
• Drive continuous improvement through data-driven insights, automation, and control optimization.

• Lead the policy governance framework, including policy development, review, approval, and dissemination.
• Ensure regulatory change management processes are effective, timely, and well-documented.
• Promote consistency and clarity across policies, procedures, and business practices.

• Provide compliance guidance on new product development, channel expansion, and strategic initiatives, ensuring regulatory requirements are embedded early in the design lifecycle.
• Partner with Product and Technology teams to implement scalable, tech-enabled compliance controls.
• Advise on risks associated with solar financing structures, leases, loans, and servicing models.

• Support oversight of bank partnership programs and third-party relationships, ensuring compliance with contractual, regulatory, and supervisory expectations.
• Contribute to due diligence, ongoing monitoring, and governance of service providers and strategic partners.

• Lead, mentor, and develop a high-performing compliance team, fostering a culture of accountability, collaboration, and continuous improvement.
• Set clear objectives, manage performance, and build bench strength to support organizational growth.
• Promote a strong compliance culture across the organization through training, communication, and engagement.

• Develop and deliver clear, concise reporting to senior management, risk committees, and other governance forums.
• Influence decision-making by providing risk-based insights and practical recommendations.
• Act as a key liaison with Internal Audit, external auditors, and regulatory examiners.

REQUIRED QUALIFICATIONS 

• Bachelor’s degree or equivalent work experience and a minimum of 12+ years of professional work experience including 10+ years of experience in consumer lending regulatory compliance, preferably within fintech and/or bank partnership models and 5+ years of progressive leadership experience with direct people/team management.
• Deep knowledge of U.S. consumer financial regulations (e.g., TILA, RESPA, ECOA, FCRA, UDAAP, state licensing requirements)
• Demonstrated experience building or enhancing compliance programs in a high-growth, multi-state environment
• Excellent executive level verbal and written communication skills; strong interpersonal skills requiring sensitivity and discretion; capable of analyzing data; strong attention to detail; and the ability to exercise sound judgement. 
• Demonstrated track record of successfully working on multiple projects and activities at one time; must possess the ability to work effectively under pressure, meet strict deadlines, and complete assignments with little oversight.
• Powerful analytical, problem-solving, risk assessment and critical thinking skills with excellent time management and prioritization; enjoy operating in a dynamic and fast-paced environment.
• Proven ability to operate strategically while driving tactical execution.
• Ability to manage multiple priorities in a fast-paced, evolving environment.
• Willingness to travel up to 10%

PREFERRED QUALIFICATIONS 

• Experience in solar, renewable energy, or specialty finance industries
• Experience in B2B2C fintech or bank partnership structures
• Familiarity with compliance considerations in distributed energy financing and servicing
• Professional certifications such as CRCM, CAMS, CIPP, CIA, CRP, or PMP
• Experience working with technology-enabled compliance tools (e.g., GRC platforms, automated monitoring systems. 

The salary range is required by the California Pay Transparency Act and may differ depending on the location of those candidates hired nationwide. Actual compensation is influenced by a wide array of factors including but not limited to, skill set, education, licenses and certifications, essential job duties and requirements, and the necessary experience relative to the job’s minimum qualifications.

*This target salary range is for CA positions only and should not be interpreted as an offer of compensation.

hqca-recruiting@qcells.com