Payments Compliance Manager

Position Title: Payments Compliance Manager

Department: Legal & Compliance

Overview:

The Payments Compliance Manager serves as One Inc's expert on card brand rules, ACH/Nacha requirements, and electronic payment regulations. This role monitors network changes, manages compliance issues with partners and processors, and ensures our products and client experiences meet all applicable payment standards. Reports to the Compliance Director.

Responsibilities

• Serve as the subject matter expert for all card brands, ACH/Nacha, and electronic payment network rules, including Visa, Mastercard, Amex, Discover, Nacha, Reg E, EFTA, RTP, FedNow, PayPal/Venmo, emerging methods
• Review and track all card brand releases and network updates, evaluate impact, lead remediation with internal stakeholders, and draft client communication
• Serve as the primary point of contact for Nacha, banks, and payment processors (Fiserv, Bancorp, i2c) on regulatory compliance matters including AML-related inquiries, and UBO requirements, violations, due diligence reviews, and remediation oversight
• Contribute to compliance readiness for our Canada expansion by researching Canadian payment regulations, and helping ensure new market launches meet all applicable requirements
• Support Product and Client Compliance teams by reviewing consumer‑facing disclosures and product features for compliance with network rules and payment regulations
• Maintain a library of required consumer-facing payment authorizations and disclosures mandated by card brands and payment networks
• Own and maintain the ACH policy and conduct annual ACH risk assessments; maintain client‑facing ACH/Nacha documentation
• Own Nacha compliance, including responsibility for the ACH audit with Audit team support, and oversee remediation of Nacha and other network audit findings.
• Maintain a violations tracker and drive remediation of compliance issues identified by card brands, Nacha, banks, and payment processors
• Develop relevant internal compliance resources, including FAQs, guidance documents, and standard responses to common questions.
• Stay current on evolving card brand and Nacha rules and ensure timely internal communication of changes
• Provide authoritative interpretation of payment regulations and payment facilitator ("PayFac") requirements, including support with PayFac registration and ongoing compliance
• Manage card brand settlement filings on an ad hoc basis
• Scope excludes PCI DSS (managed by CISO).

Skills needed:

• Strong knowledge of card brand rules and ACH/Nacha requirements
• Ability to interpret payment regulations
• Strong organizational skills
• Strong analytical and communication skills
• Ability to manage complex, multi-party compliance issues
• Intellectual curiosity and proactive problem‑solving

Education & Experience:

• Bachelor's Degree in Business, Finance, Accounting, or related field
• 3+ years in payments compliance or electronic payment operations
• Direct experience with card brand rules (Visa, Mastercard, Amex, Discover) and ACH/Nacha requirements
• Background conducting audits, risk assessments, and maintaining policies
• Familiarity with Canadian payment regulations (a plus)

Desired Traits:

• Growth Mindset, Problem Solver, Self-starter, Demonstrates Ethical Behavior, Strong Drive, Team Player, Supportive & Adaptable to Change, Exudes a commitment to Personal & Professional Development

Physical Demands:

The conditions herein are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.

Environment:

Standard indoor office setting; exposure to computer screens.

Physical:

Requires repetitive motion. Substantial movements/motions of the wrists hands, and/or fingers. Sufficient mobility to work in an office setting; stand or sit for prolonged periods of time; operate office equipment including use of a computer keyboard, mouse, scanner and other tools as needed.

Vision:

See in the normal vision range with or without correction; vision sufficient to read computer screens and printed documents.

Hearing:

Ability to hear in the normal audio range with or without corrections.

Desired Traits:

• Action Oriented, Growth Mindset, Positive Outlook, Problem Solver, Self-starter, Demonstrates Ethical Behavior, Strong Drive, Team Player, Supportive & Adaptable to Change, Exudes a commitment to Personal & Professional Development

Company Profile: At One Inc, we empower insurers to meet policyholder expectations with choice, control, convenience, and continuity. Our mission is simple: to make every payment a promise kept.

The One Inc Insurance Payments Network seamlessly integrates multi-channel digital communications with inbound payment processing and outbound disbursement, delivering a frictionless experience for both premiums and claim payments. With over $120 billion in annual payments volume, we are proud to serve more than 300 insurance carriers, helping them honor their commitments instantly and securely.

Headquartered in Folsom, CA, One Inc offers competitive salaries, comprehensive benefits - including medical, dental, and vision insurance - a 401(k) plan, and a strong commitment to work-life balance. We believe in growing from within, promoting opportunities for career advancement across our team of 1,200+ dedicated "Onesters."

Join us in building the infrastructure that fulfills the promise of insurance.

One Inc is an equal opportunity employer and complies with all EEOC legislation in each jurisdiction it operates in.