Zip Co Limited

Title: Compliance Manager Location: United States Job Description: - Collaborative, cross-functional partner who can balance innovation, customer experience, and regulatory risk management in a fast-paced fintech environment - Deep expertise across consumer financial services compliance, BNPL, lending, and payments regulatory frameworks - Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office Start your adventure with Zip Zip is looking for a Compliance Manager to support and help enhance components of our US compliance program across our growing BNPL, lending, and payments business. In this role, you will partner closely with Legal, Product, Risk, Operations, Finance, and Commercial teams to ensure our products, processes, and customer experiences align with applicable regulatory requirements while enabling innovation and business growth. This role is ideal for a compliance professional who thrives in evolving environments, brings strong regulatory judgment, and can operate effectively across both strategic initiatives and detailed executional work. You will support strengthening of Zip’s compliance management system (CMS), supporting regulatory change management, compliance monitoring, governance activities, and scalable compliance operations. You will join a collaborative and mission-driven team focused on delivering strong customer outcomes while building practical and sustainable compliance solutions that support Zip’s continued growth in the US market. Interesting problems you’ll get to solve OR Write your story with a career at Zip - Provide day-to-day compliance guidance related to BNPL, consumer lending, payments, marketing, servicing, and customer experience initiatives - Partner with Legal, Product, Risk, Operations, Commercial, and Finance teams to evaluate regulatory requirements and support compliant product launches and enhancements - Collaborate with bank partners to support regulatory compliance, align on risk and control expectations, and ensure adherence to applicable consumer financial laws and program requirements. - Support the development, implementation, and ongoing enhancement of Zip’s US compliance management system (CMS) - Conduct compliance reviews of marketing materials, disclosures, customer communications, policies, procedures, and operational processes - Monitor regulatory developments and assess the impact of new or evolving laws, regulations, and regulatory guidance across the business - Support, as needed, SEC and public company compliance-related activities, including governance, disclosures, controls, and regulatory obligations as applicable - Assist with compliance monitoring, testing, issue remediation tracking, and reporting activities across the organization - Prepare compliance reporting, audit support materials, regulatory examination responses, and internal review documentation - Partner cross-functionally to identify compliance risks and drive practical, scalable solutions that support innovation and strong customer outcomes - Leverage AI-enabled tools and emerging technologies to improve compliance workflows, regulatory analysis, monitoring efficiency, and operational effectiveness while maintaining appropriate governance and risk controls What you’ll bring to the team - 5+ years of compliance experience within fintech, consumer financial services, banking, payments, lending, or BNPL environments - Strong working knowledge of US consumer financial services regulations and compliance frameworks, including UDAAP, TILA, ECOA, FCRA, FDCPA, EFTA, and related state regulatory requirements - Experience supporting or partnering on SEC compliance, public company governance, disclosure obligations, or related regulatory matters - Demonstrated ability to operate strategically and tactically within fast-paced and evolving business environments - Experience building, improving, or supporting compliance management systems, monitoring programs, testing programs, or issue management processes - Strong judgment and ability to provide practical, business-oriented compliance guidance while balancing risk and customer experience considerations - Experience partnering cross-functionally with Product, Legal, Risk, Operations, Finance, Commercial, and business stakeholders - Ability to independently manage multiple priorities and execute detailed compliance work with a high degree of ownership and accountability - Familiarity with AI-enabled compliance tools, automation technologies, or emerging AI-related regulatory considerations, including the ability to evaluate operational and compliance risks associated with AI usage - Bachelor’s degree required; JD or relevant compliance certifications preferred - Clear alignment with Zip’s core values What you’ll get in return Zip is a place where you’ll get out what you put in. The newness of our sector means we need to move at pace and embrace change, and our promise to you when you join the team is that you’ll feel empowered and trusted to make big things happen quickly. We want you to feel welcome and as though you have the support to be yourself, and care for yourself at work. Because it’s important to us that you make the most of the opportunities, you’ll get to grow your skills and your career, and be surrounded by smart, friendly people and leaders that have your back. We think these are just some of the best things about being a Zipster. We will also offer you: - Flexible working culture - Incentive programs - Unlimited PTO - Generous paid parental leave - Leading family support policies - Company-sponsored 401k match - Learning and wellness subscription stipend - Beautiful Union Square office with a casual dress code - Industry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices available Zip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations. The annual base Pay Range for this position is $92,000 - $125,000. This range reflects our US national compensation band (USN). Additional premium percentages may apply based on our tiered premium strategy. Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or commission awards, in addition to a full range of medical, financial, and/or other benefits. *Please note that visa sponsorship is not available for this position. If hired, employees will be in an 'at-will position' and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation or benefit program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors. Be a part of a team that reflects the diversity of our customers We pride ourselves on being a workplace that provides equal opportunities to people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and everything else that makes you unique. Equally, we’re committed to ensuring our recruitment processes are accessible and inclusive. Please let us know If there are any adjustments that need to be made to ensure you have a fair and equitable experience. And finally…get to know us Zip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people-centered products. Operating in two core markets - Australia and New Zealand (ANZ) and the US, Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants. We’re proud to be a values-led business and our values - Customer First, Own it, Stronger Together and Change the Game - guide us in everything we do. I acknowledge by clicking "Submit Application", that the information provided is true and correct. I also understand that any willful dishonesty may render for refusal of this application or immediate termination of employment. By providing your information, you acknowledge that you have read our Zip Applicant and Candidate Privacy Notice and authorize Zip to process your data subject to those terms. Zip participates in the federal government’s E-Verify program.

Strategic finance leader with deep FP&A, strategy, and risk experience, bringing BNPL or consumer lending context to navigate complexity and scale with rigor. Trusted thought partner to senior leadership, translating financial analysis across TTV, revenue, and cost of sales into insights that drive alignment and better decisions. This is a hybrid role based in our Manhattan, New York office, requiring 3 days per week on-site. Start your adventure with Zip As we continue to scale, execute on our strategic initiatives, and deliver exceptional experiences to our consumers, merchants, and partners, the complexity and criticality of our finance operations are rapidly increasing. This growth presents a unique opportunity for a high-performing FP&A Lead to join our team and support the financial engine of a leading BNPL lender. In this role, you will report directly to the Director of FP&A and play a key part in driving financial insights and decision-making across TTV, Revenue, and Cost of Sales. You will collaborate closely with the broader U.S. Finance team and cross-functional stakeholders across the US business to ensure rigorous financial planning, analysis, and reporting that guides business performance and strategic execution. In this role you will: Develop and maintain dynamic forecasts and scenario models for Total Transaction Value (TTV), Revenue, and Cost of Sales (CoS), incorporating key business drivers to support strategic planning, sensitivity analysis, and decision-making in a high-growth, Payments/Lending, consumer finance environment. Deliver timely, accurate, and actionable financial reporting and analysis to support operational and strategic decision-making, ensuring insights are aligned with key business drivers and enable cross-functional teams to track progress against objectives and identify performance improvement opportunities. Prepare and deliver executive-level financial reporting packages, including weekly, monthly, and quarterly dashboards that highlight performance against strategic KPIs across TTV, Revenue, and Cost of Sales. Collaborate with cross-functional teams including (but not limited to) Marketing, Commercial, Risk, Credit, Finance, Treasury, and accounting, operating as both a trusted and strategic business partner. Align financial plans with go-to-market strategies — tracking acquisition performance, conversion metrics, and revenue levers to improve forecast accuracy and unit economics, consolidate business inputs and surface strategic risks and opportunities in reporting deliverables. Perform complex and robust financial modeling, budgeting, and forecasting to support our longer-term planning and decision making processes. What you’ll bring to the team Company-sponsored 401k match Learning and wellness subscription stipend Beautiful Union Square office with a casual dress code Industry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices available Zip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations. The annual base Pay Range for this position is $158,000 - $190,000. This range reflects our US Premium 2 compensation (US2). Additional premium percentages may apply based on our tiered premium strategy. Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or equity awards, in addition to a full range of medical, financial, and/or other benefits.  If hired, employees will be in an 'at-will position' and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation or benefit program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors. Be a part of a team that reflects the diversity of our customers We pride ourselves on being a workplace that provides equal opportunities to people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and everything else that makes you unique. Equally, we’re committed to ensuring our recruitment processes are accessible and inclusive. Please let us know If there are any adjustments that need to be made to ensure you have a fair and equitable experience. And finally…get to know us Zip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people-centered products. Operating in two core markets - Australia and New Zealand (ANZ) and the US, Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants. We’re proud to be a values-led business and our values - Customer First, Own it, Stronger Together and Change the Game - guide us in everything we do. I acknowledge by clicking "Submit Application", that the information provided is true and correct. I also understand that any willful dishonesty may render for refusal of this application or immediate termination of employment. By providing your information, you acknowledge that you have read our Zip Applicant and Candidate Privacy Notice and authorize Zip to process your data subject to those terms. Zip participates in the federal government’s E-Verify program Before you apply, give Zip a try   -> rebrand.ly/check-zip-out