Job Description As an Audit Supervisor, you will be providing high-level client service, assisting, and managing all types of assurance engagements to clients within the investment partnership and private equity, broker/dealers, manufacturing and distribution, real estate, employee benefit plans, technology, and professional service company industries. You will be rewarded with the opportunity to both develop professionally and increase the firm’s reputation. As an Audit Supervisor, you will be developing and training associates and in-charge senior associates. Responsibilities - Ability to manage client engagements from start to finish, which includes planning, executing, directing, and completing financial statement engagements and managing engagement budget. - Build and maintain client relationships and manage all aspects of the client engagement process. - Supervise, train, and mentor associates and interns on the audit process. - Identify and resolve client issues discovered during the audit process. - Researching, reviewing, and analyzing various new audit and accounting standards and communicating to team members and or clients. - Provide relevant feedback to associates and senior associates on engagements for critical review items and performance-related matters. - Assist partners and managers on proposals and business development calls. - Continue professional development and training sessions on a regular basis. Requirements - BS/BA in Accounting. - Minimum of 4 or more years of progressive audit experience with a public accounting firm. - Familiarity with and experience in the application of U.S. GAAP and GAAS to financial statement engagements. - A passionate learner who welcomes opportunities to be stretched. - An entrepreneurial point of view in the Auditor role. - An energized professional seeking greater responsibility and more autonomy with clients. - Excellent project management, organizational and analytical skills. - Strong leadership and mentoring skills. - Dedication to providing superior client service. - Excellent verbal and written communication skills. - Proficiency in MS Office, specifically Word and Excel. - The collaborative drive to contribute to a dynamic team environment as a true team player. Preferred Requirements - Experience in at least one of the following industries is highly preferred: investment partnerships and private equity; broker/dealers; manufacturing and distribution, or real estate, employee benefit plans - Experience in personal and entity income taxation preferred but not required - CPA certification is in-hand or eligible to sit for the exam. About Us Topel Forman is a leading certified public accounting firm in the Midwest and the Denver region providing a wide range of attest, accounting, tax, advisory, and consulting services to individuals, professionals, closely-held and family-owned businesses and corporations. At Topel Forman, you’ll find the high level of talent and expertise you’d expect from a larger firm, but with the accessibility and collaboration that are usually only available at a smaller organization. You can expect to work directly with clients, senior-level management, and partners with knowledge of various disciplines. A proactive, hands-on approach to our clients allows you to grow in your expertise and advance in your career. For more information on Topel Forman, please visit our website at www.topelforman.com. Benefits - Competitive salary with the range of $110,000 to $130,000, with annual merit increases - Annual discretionary bonus eligibility - 35-hour workweek during non-busy season - To learn more about our firm and benefit offerings, please visit our careers page. Remote Work Internet Policy Internet requirements for working remotely: We require an internet plan with the following minimum upload and download speeds for best connection: 100+ Mbps download and 20+ Mbps upload. Home Wi-Fi should be password protected.

Oversee compliance with Regulation W by enhancing frameworks, advising on transactions, ensuring proper documentation, and partnering with various departments to support governance and regulatory requirements across affiliated entities.

Lead the implementation of a comprehensive ethics compliance program, oversee conflict of interest regulations, manage ethics reporting processes, and deliver role-based compliance training to promote a culture of integrity and accountability.

Esusu: Building Credit Access for All Your financial future shouldn't depend on your race, background, or zip code. Yet 45 million Americans remain "credit invisible," while countless others face denials, evictions, and predatory interest rates regularly. Esusu is changing that. As a financial technology and data platform, we're revolutionizing financial health, identity services, and inclusive decision-making for individuals and businesses alike. Our impact speaks volumes: - $50 billion in credit activity facilitated - 5 million+ rental units in our network - Trusted partnerships with leading real estate companies, government entities, fintechs, banks, and employers Through our enterprise services, embedded products, and consumer offerings, we're creating a financial system that works for everyone—right when fintech innovation matters most. Join us in building a future where financial systems are inclusive by design, access is standard, and opportunity reaches everyone. Unlock Tomorrow with Esusu. About the Role The Consumer and Payments Compliance Lead is responsible for designing, implementing, and overseeing Esusu’s consumer and payments compliance program. This role provides subject-matter expertise on U.S. consumer financial regulations and payment network rules (e.g., Regulation E, NACHA Operating Rules, card network rules, UDAAP, privacy, and state consumer protection requirements) and serves as a primary liaison to our bank partners and payment vendors on compliance matters. The role sits within the Risk & Compliance Management Department and operates as a second line of defense, partnering closely with Legal, Operations, Product and other internal and external partners to ensure that Esusu’s consumer-facing products and payment flows remain compliant, well-controlled, and aligned with industry best practices. What You’ll Do Program Ownership and Governance - Design, implement and continuously improve the consumer and payments compliance program, including policies, standards, procedures, and control frameworks aligned to Esusu’s risk management framework and applicable regulations. - Maintain and update policies and procedures for ACH, wire, card, and other electronic payments, in coordination with bank partners and payment processors. - Establish and maintain a compliance risk assessment for consumer and payments activities, including periodic reassessments and documentation of inherent risks, controls, residual risk, and remediation actions. - Provide compliance reporting and insights on consumer and payments compliance risks, issues, and trends to the Risk & Compliance leadership and relevant governance forums (e.g., risk committees, partner oversight meetings). Regulatory Advisory and Interpretation - Serve as the primary internal subject-matter expert for consumer protection and payments regulations, including but not limited to: - Electronic Fund Transfer Act / Regulation E - NACHA Operating Rules and ACH Risk requirements - Applicable card network rules (if relevant to product set) - UDAAP, Fair Credit Reporting Act (FCRA) as it relates to consumer reporting, and related federal and state consumer protection laws. - Review new and proposed products, features, and processes that involve consumer interactions or payment flows, providing clear, risk-based compliance requirements and documenting decisions and rationale. - Monitor regulatory developments and industry guidance related to consumer and payments compliance; assess impact to Esusu and drive implementation of required changes in partnership with stakeholders. Card Scheme Compliance - Act as subject matter expert for Visa, Mastercard, and other network rules, managing audits, and implementing scheme requirements. Complaints Management - Work with Customer Service, Risk, Compliance and Legal to develop and maintain a structured complaints management process to handle customer complaints at various tiers, ensure prompt resolution, and identify any systemic issues. Bank Partner and Vendor Engagement - Act as a primary compliance point of contact for Esusu’s bank partners and key payment-related vendors (e.g., Lead Bank, ACH originator/processor, KYC/AML platforms) on consumer and payments compliance topics. - Coordinate and support annual and periodic assessments required by bank partners and payment networks, including ACH Risk Assessments, ACH audits, security audits, and payments-related policy reviews. - Ensure that vendor and partner contracts, SLAs, and control expectations related to consumer and payments compliance are documented, understood, and periodically reviewed in partnership with the Risk Management, Legal, and Vendor Management teams. Loan Servicing Oversight (Excluding Credit Reporting) Provide oversight of loan servicing processes to ensure compliance with applicable lending and servicing regulations (other than credit reporting), including: - Payment Processing & Statements - Borrower Communications - Hardship and Modifications - Customer Inquiries Monitoring, Testing, and Issue Management - Design and execute monitoring and testing for consumer and payments compliance controls, including transaction-level testing, sample reviews of disclosures and authorizations, and evaluation of exception handling (returns, disputes, chargebacks, reversals). - Partner with Operations and Customer Support to ensure consumer complaints, disputes, and escalations (e.g., CFPB, BBB, state regulators, bank partner referrals) are handled in accordance with regulatory requirements and documented procedures. - Identify compliance issues and control weaknesses, document root causes and impacts, and track remediation actions through closure, escalating where needed to Risk & Compliance leadership and bank partners. Underwriting & Eligibility Review - Conduct eligibility and underwriting reviews for all consumer loan applicants, ensuring that applicants meet program-specific criteria and that each loan is issued in accordance with Esusu’s documented credit and regulatory standards. Training, Communication, and Documentation - Partner with the Risk and Compliance team to develop and deliver targeted training to first line teams (e.g., Operations, Product, CX) on consumer and payments compliance topics, including Reg E dispute handling, ACH authorization requirements, disclosures, and complaint handling expectations. - Maintain clear, current governance documentation for consumer and payments compliance, including policies, procedures, job aids, and process maps to support consistent execution and audit readiness. - Support responses to internal and external audits, regulatory inquiries, and due diligence requests, ensuring that documentation and evidence related to consumer and payments compliance activities are organized, complete, and accurate. Cross-Functional Partnership - Partner with Product and Engineering on change management for systems impacting consumer onboarding, payment initiation, refunds, credits, and reporting, ensuring that changes are assessed for compliance impact prior to deployment. - Collaborate with Risk Management, Information Security, and Data teams to ensure that data privacy, data retention, and security controls related to consumer and payment data align with applicable laws and Esusu policies. - Provide advisory support in the design and review of business continuity and incident response plans as they relate to consumer harm and payments disruption (e.g., payment failures, data incidents affecting payment instructions). What We’re Looking For - Degree and or certifications in Business, Compliance, Audit, Risk Management, or related field, or equivalent practical experience. - 10+ years of compliance, legal, or risk management experience in financial services, fintech, banking, or payments, with significant exposure to U.S. consumer protection and/or payments regulations. - Demonstrated expertise applying Regulation E, NACHA Rules, UDAAP, FCRA, and related consumer and payments requirements in a business environment. - Deep understanding of payment clearing, settlement and regulatory requirements. - Experience working in or with a second line of defense risk/compliance function, including advising first line teams and providing independent challenge. - Strong track record of building and maintaining policies, procedures, and control frameworks and performing monitoring/testing over compliance controls. - Excellent written and verbal communication skills, with the ability to translate complex regulatory requirements into clear, actionable guidance for non-technical stakeholders. - Proven ability to manage multiple priorities in a fast-paced, high-growth environment and to work effectively with cross-functional teams and external partners. Preferred - Experience working in a bank–fintech partnership model (e.g., sponsor bank arrangements, Banking-as-a-Service) or embedded finance environment. - Prior involvement in annual ACH Risk Assessments, ACH audits, payment security assessments, or similar oversight engagements with bank partners or payment networks. - Familiarity with complaints management, investigative responses to regulatory bodies (e.g., CFPB, BBB, state regulators), and remediation of consumer harm. - Professional certification(s) in compliance or risk (e.g., CRCM, CAMS, CCEP, CRisk) a plus. This role is likely not a fit if: - You prefer a narrow, policy-only compliance role and do not want to be hands-on with monitoring, testing, and issue remediation. - You are uncomfortable working in a bank/fintech partnership environment or interpreting evolving guidance from bank partners and payment networks. - You have limited experience with Regulation E, NACHA, UDAAP, FCRA, and payments operations, and are looking to “learn on the job” at a senior level. - You prefer highly structured, slow-changing environments and are not energized by ambiguity, speed, and building programs from the ground up or scaling them. - You are not comfortable challenging stakeholders (including senior leaders and partners) when compliance or consumer harm risks are present. - You are satisfied with “good enough” instead of holding a high bar for control design, documentation quality, and testing coverage across consumer and payments compliance. Competitive Benefits That Support You At Esusu, we invest in our people with benefits designed to help you thrive both personally and professionally: - 💵Competitive Salary - for Series C - $150,000 – $163,000 annually - 📈Equity - a significant RSU grant with vesting over four years, accelerated upon a sale or IPO. - ✅Remote first work environment - Where we trust you to get your work done. - 🌴Generous PTO – Enjoy a generous time off policy and 14 company wide paid holidays. - 🩺Premium Health Coverage – Comprehensive medical, dental, and vision insurance. - 💳Partial-Employer Funded Health Savings Account - Available for High Deductible Plans. - 🍼Paid Parental Leave – 12 weeks of 100% pay to support growing families. - 💰Retirement Plans – Secure your future with our competitive 401(k) offerings, including a 4% company match (for US only). - 🎓Tuition Reimbursement – For qualified programs to complement work experience. - 📚Professional Development Stipend – To support your continued growth and learning. - 🤝In person and virtual team get togethers - To connect with your fellow Esusu colleagues. - 📈Free Credit Building Benefit - Build your credit score for free as an Esusu employee. We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation. © Esusu Inc. All rights reserved, Esusu is proud to be an equal opportunity workplace. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate on the basis of race, religion, color, gender identity, sexual orientation, age, disability, veteran status, or other applicable legally protected characteristics. We encourage people of different backgrounds, experiences, abilities, and perspectives to apply.