Wisetack

• Lead analytical work across the merchant risk lifecycle, including onboarding, KYB/KYC, transaction monitoring, and merchant decisioning • Build and maintain queries, dashboards, alerts, and reporting that identify fraud patterns, emerging risks, and control gaps • Investigate high-risk merchant activity, including business misrepresentation, suspicious transactions, inflated invoices, collusion, refund abuse, and account takeover • Translate findings into clear recommendations that improve risk controls, merchant experience, and business outcomes • Measure the impact of rule changes, segmentation strategies, and risk experiments on fraud losses, approval rates, false positives, and customer experience • Partner with Data Science, Data Engineering, and third-party vendors to evaluate risk signals, models, data quality, and monitoring infrastructure • Contribute to the development of scalable monitoring, decisioning, and automation capabilities, including AI-enabled workflows where appropriate • Help identify emerging merchant fraud trends and opportunities to strengthen Wisetack's risk strategy

• Onboard new customers using different channels (phone calls, video conferencing, emails and text messaging) • Educate new customers about the benefits Wisetack brings to their business • Executing ad-hoc activation campaigns, as determined by business needs • Communicate merchant needs, recurring blockers, and feedback to cross-functional partners, especially product, marketing, and partner teams • Collaborate actively with the growth and product teams to ensure consistent experience, share learnings, and consolidate feedback

• Generate pipeline through outbound prospecting (calls, email, SMS) targeting home services businesses • Engage & qualify inbound leads in a timely manner • Identify and engage decision-makers, turning cold outreach into qualified meetings • Maintain strong funnel conversion rates (connect → conversation → meeting → opportunity) • Build and prioritize target account lists using tools like ZoomInfo • Effectively qualify prospects (revenue, ticket size, financing usage, sales process) & handle objections on prospect calls • Partner closely with Account Executives for collaboration and seamless handoffs • Maintain accurate CRM data and execute structured outreach cadences • Maintain and track performance against KPIs (activity, meetings, pipeline) and continuously improve messaging

• Manage a portfolio of merchants to foster long-term relationships, measured by increase in financing volume and share of wallet with each merchant. • Support business development and partnerships in closing new deals and assist with the onboarding to Wisetack. • Help new and existing merchants get up to speed quickly on our offerings. • Communicate merchant needs and feedback to the broader organization (especially product, marketing, and partnerships). • Actively collaborate with the support and customer operations team to ensure we’re doing what we can to create consistent experiences, sharing learnings, and consolidating feedback.

• Lead day-to-day execution and continuous improvement of Wisetack’s compliance management system across the lending lifecycle, from merchant onboarding and marketing oversight through application intake, disclosures, servicing, complaints, collections, and partner-bank expectations. • Serve as Wisetack’s designated BSA Officer, overseeing the BSA/AML/OFAC compliance framework, including governance, procedures, control documentation, and program reporting. • Maintain and enhance the enterprise compliance risk assessment, regulatory applicability mapping, and risk-based monitoring and testing program so that risk ratings clearly drive control validation, remediation, and reporting priorities. • Build practical management reporting for leadership, governance committees, board-level audiences, and partner banks, including KRIs, testing results, complaint trends, remediation status, and material compliance developments. • Oversee compliance issue management, including root cause analysis, corrective actions, validation, closure, and audit or partner-bank remediation tracking. • Partner with Product, Engineering, Operations, Servicing, Fraud, Legal, Capital Markets, and Risk to support change management, control design, and launch readiness for new products, features, workflow changes, and program updates. • Support merchant and third-party oversight by helping define control requirements, escalation triggers, monitoring expectations, evidence standards, and remediation pathways. • Maintain and improve risk assessments, procedures, and testing routines related to CIP/KYC, sanctions screening, suspicious activity escalation, quality assurance review, and record retention. • Monitor BSA/AML and OFAC KRIs, operational queues, aging, exception trends, investigation timeliness, complaint trends, and third-party performance; escalate material issues and emerging risks to senior management quickly. • Support filing governance, case documentation, and cross-functional escalation processes involving Fraud, Operations, Servicing, and partner-bank stakeholders. • Coordinate compliance and BSA/AML training administration, evidence retention, and remediation work arising from audits, internal testing, partner-bank review, or control breakdowns. • Help ensure controls remain appropriate for Wisetack’s embedded lending model, merchant channel, third-party environment, and role in processing and servicing bank-originated consumer loans.

Since 2018, Wisetack has been building transparent and intuitive consumer lending products that help service-based businesses thrive (think HVAC companies, veterinarians, or auto repair shops). Our leadership team comes from top fintech companies such as Lending Club, Affirm, and Varo Money. And we’re backed by leading VCs, including Insight Partners, Greylock, Quadrille, and Bain Capital Ventures (investors in Airbnb, LinkedIn, Instagram, Dropbox, and more). Having raised $84M, we’re a well-funded startup and have invested in people and technology while growing our partnerships — responsibly. We’re also proud to have received recognition from the fintech world. Awards we’ve won include: - Ranked #21 on 2024 Inc. 5000 based on revenue growth - Ranked #15 on 2024 Deloitte Fast 500 based on revenue growth - 2024 Best Embedded Finance Solution for Banking Tech Awards - 2023 Best Consumer Lending Program by Tearsheet - 2023 Best Point of Sale Product by Fintech Breakthrough But what you’ll find us gleaming about the most is the recognition from our own customers, particularly our sky-high NPS rating of 79. (For reference, the average score is 44 for financial services and 36 for SaaS companies.) As a result of our efforts in building this healthy company culture, we’ve been nominated to several Great Places to Work lists, such as Best Small Workplaces, Best Workplaces in the Bay Area, and Best Workplaces in Financial Services & Insurance. Like any startup, we’re in it for the long haul, and we’re looking for people willing to join our journey of building something special together. This process starts with our company values, which guide us in everything we do — and have played a critical role in our success. We valiantly abide by them, and would expect you to do the same: - Put customers first (that’s our M.O.) - Act fast (leverage our startup environment). - Lead the way (show and tell). - Take ownership (everyone is hands-on here). - Be a good human (no egos, build financial products that do right by people). Learn more about our values here. The Role As Compliance Program Director, you’ll own the day-to-day execution and continuous improvement of Wisetack’s compliance management system across the lending lifecycle. This is a hands-on leadership role for someone who can move quickly, make sound calls, and turn regulation into practical controls that work for a two-sided business: home services merchants using financing to win and complete bigger jobs, and consumers using clear, transparent pay-over-time options for repairs and upgrades. You’ll sit at the center of merchant onboarding, marketing oversight, application and disclosure flows, servicing, complaints, collections, partner oversight, and product change management. Wisetack publicly emphasizes fair and transparent financial products, customer-first thinking, acting fast, and ownership; this role is responsible for making those values real as the business scales. Success in this role looks like a program that stays credible under growth and scrutiny: risk assessments are current and tied to monitoring priorities, reporting helps leaders and partner banks act quickly, issues are remediated with clear ownership, and BSA/AML and OFAC controls remain well documented, monitored, and easy to defend. Responsibilities - Lead day-to-day execution and continuous improvement of Wisetack’s compliance management system across the lending lifecycle, from merchant onboarding and marketing oversight through application intake, disclosures, servicing, complaints, collections, and partner-bank expectations. - Serve as Wisetack’s designated BSA Officer, overseeing the BSA/AML/OFAC compliance framework, including governance, procedures, control documentation, and program reporting. - Maintain and enhance the enterprise compliance risk assessment, regulatory applicability mapping, and risk-based monitoring and testing program so that risk ratings clearly drive control validation, remediation, and reporting priorities. - Build practical management reporting for leadership, governance committees, board-level audiences, and partner banks, including KRIs, testing results, complaint trends, remediation status, and material compliance developments. - Oversee compliance issue management, including root cause analysis, corrective actions, validation, closure, and audit or partner-bank remediation tracking. - Partner with Product, Engineering, Operations, Servicing, Fraud, Legal, Capital Markets, and Risk to support change management, control design, and launch readiness for new products, features, workflow changes, and program updates. - Support merchant and third-party oversight by helping define control requirements, escalation triggers, monitoring expectations, evidence standards, and remediation pathways. - Maintain and improve risk assessments, procedures, and testing routines related to CIP/KYC, sanctions screening, suspicious activity escalation, quality assurance review, and record retention. - Monitor BSA/AML and OFAC KRIs, operational queues, aging, exception trends, investigation timeliness, complaint trends, and third-party performance; escalate material issues and emerging risks to senior management quickly. - Support filing governance, case documentation, and cross-functional escalation processes involving Fraud, Operations, Servicing, and partner-bank stakeholders. - Coordinate compliance and BSA/AML training administration, evidence retention, and remediation work arising from audits, internal testing, partner-bank review, or control breakdowns. - Help ensure controls remain appropriate for Wisetack’s embedded lending model, merchant channel, third-party environment, and role in processing and servicing bank-originated consumer loans. Requirements - 10+ years of experience in compliance, risk, audit, legal, or program management within consumer finance, fintech, marketplace lending, embedded finance, or a bank-partner environment. - Strong working knowledge of consumer lending, UDAAP, and fair lending concepts, with practical experience translating requirements into controls, procedures, testing, and launch guidance. - Meaningful experience with BSA/AML/OFAC governance, including CIP/KYC, suspicious activity escalation, sanctions oversight, training, and control documentation. - Track record building or improving compliance monitoring, testing, issue management, complaints governance, board or committee reporting, or regulatory change management. - Ability to work cross-functionally, influence senior stakeholders, and bring structure to complex operational environments. - Excellent writing, documentation, and communication skills, with strong judgment and attention to detail. - A high-ownership mindset and a bias toward action. You know how to raise standards, make decisions, and move work forward without creating unnecessary drag. Bonus points - Experience supporting programs offered through regulated bank partners. - Experience in point-of-sale lending, home improvement financing, merchant financing, installment lending, or servicing operations. - Experience managing audit remediation, external reviews, or partner-bank oversight requests. - Comfort using data, dashboards, and KRIs to drive compliance decision-making and resource allocation. - Experience deploying AI tools to improve efficiency and scale. Conclusion The range of base salary for the position is between $141,700.00 - $198,400.00 plus equity, and benefits. Please note that the base salary range is a guideline, and individual total compensation will vary based on factors such as qualifications, skill level and competencies. Spend a little time on our About Us page and check out our Press page and our blog for more. If you think this might be a fit, we’d love to hear from you! This hiring process utilizes artificial intelligence tools to assist in candidate screening and assessment. Our AI tools are designed to complement, not replace, human decision-making. Our data practices are described in Wisetack’s Privacy Policy.

• Own the messaging and positioning for major product areas. Make it clear, consistent, and easy for Sales, Partnerships, Account Management, and Marketing to use. • Partner with the broader marketing team to ensure our website, campaigns, and lifecycle messaging clearly communicate our value and stand out in the market. • Lead go-to-market strategy for new features, integrations, and programs. From early planning through launch and follow-through, you’re accountable for results. • Work closely with Product to deeply understand how our financing and payments actually work — from application to funding, payouts, refunds, and everything in between — and translate that into simple, compelling stories. • Bring the voice of the merchant and the consumer into the room. Use customer calls, feedback, win/loss insights, and market research to influence product direction and priorities. • Align teams around what matters most. Get Sales, Partnerships, Account Management, Product, CX, and Marketing on the same page before and after launches. • Build enablement that people actually use, especially for large businesses and platform partners. You’re comfortable creating pitch decks, FAQs, case studies, battlecards, landing pages, loom videos, live training content, one-pagers (but not the dreaded PDF!), and more. • Map the full customer journey and work with Growth on lifecycle and trigger-based campaigns that drive activation, repeat usage, and competitive wins. • Track what’s working (and what’s not). Look at acquisition, adoption, and revenue impact, then adjust.

• Conduct in-depth portfolio and trend analysis to identify key performance drivers, emerging risks, and growth opportunities • Develop insights and recommendations to optimize underwriting policies, credit decisioning, and fraud risk strategies • Monitor and evaluate key credit metrics (e.g., approval rates, loss rates, delinquency trends, vintage performance) and communicate findings to stakeholders • Partner with Analytics, Data Science, and Data Engineering to build scalable data models, automated reporting, and repeatable performance monitoring frameworks • Support strategy testing and measurement efforts (e.g., champion/challenger experiments) to improve decision quality and customer outcomes • Translate complex analyses into clear, concise narratives and recommendations for leadership and cross-functional partners • Mentor team members on analytical best practices and help strengthen a data-driven culture across the organization