Beforepay Group
Vice President, Compliance (U.S.)
Beforepay, an Australian‑based fast‑growing fintech focused on delivering ethical, consumer‑first lending solutions, is expanding to the United States. This role sits within a dynamic, startup‑style environment and requires agility, hands‑on execution, cross‑functional collaboration, and commercial acumen.
Role Overview You will lead our U.S. compliance program for lending/credit. You will ensure regulatory and operational compliance across product origination, servicing, marketing, AML/financial‑crime, and sponsor‑bank governance. You will be hands‑on, working with product, engineering, credit risk, operations, marketing and the sponsor bank to embed compliance into the business as it scales. You will also coordinate with Australia‑based team members, which may require evening calls U.S. time.
Key Responsibilities
Develop, maintain and operationalise the U.S. compliance framework for consumer lending programs operated via a sponsor‑bank model.
Ensure compliance with applicable federal consumer‑lending and financial‑services laws and regulations (e.g., TILA/Reg Z, ECOA/Reg B, FCRA/Reg V, BSA/AML/SARs, GLBA, UDAAP/UDAP) and manage state‑level risk exposure in coordination with the sponsor bank.
Implement and manage a compliance‑management system (CMS) suitable for a fintech lending business: establish policies, procedures, controls, monitoring and reporting.
Take ownership of AML/financial‑crime compliance: suspicious activity reporting (SARs), sanctions screening, CIP/KYC in coordination with sponsor bank and internal operations.
Engage actively with product and credit‑risk teams to review and challenge credit decisioning models, underwriting workflows, disclosures, origination and servicing processes to ensure compliance risk is addressed.
Work with engineering and product teams to translate regulatory requirements into business‑process requirements, platform controls, user‑journeys and disclosures.
Ensure marketing and promotional materials adhere to regulations.
Establish governance processes for the sponsor‑bank relationship: oversight, alignment of partner compliance/risk expectations, reporting, vendor/third‑party management and audit readiness.
Perform ongoing risk assessment, controls testing, quality‑assurance and remediation tracking.
Provide training and guidance to business, product, operations, marketing and support teams on compliance obligations.
Serve as compliance liaison for regulators, internal/external auditors (on compliance aspects) and the sponsor bank.
Partner with executive leadership on compliance strategy, emerging regulatory issues and commercial growth opportunities.
Lead and build out the U.S. compliance team as the business scales; oversee U.S.-based team members and coordinate with Australia‑based support functions as needed.
Required Qualifications
Minimum 10 years of U.S. financial‑services compliance experience (consumer lending, payments, fintech) including leadership or senior role.
Hands‑on experience with U.S. consumer‑lending products (origination, underwriting, servicing, collections) in a fintech or digital‑lending context.
Proven experience working with a sponsor bank or bank‑partner model in the U.S. fintech/lending environment.
Demonstrable experience in AML/BSA/financial‑crime compliance (SARs, sanctions, CIP/KYC) within a financial‑services setting.
Strong operational mindset: able to build processes, controls, perform monitoring and remediate issues— not purely design/policy.
Commercially oriented and cross‑functional: comfortable working with product, engineering, operations, marketing, external partners.
Excellent communication skills: translating regulatory requirements into practical business requirements and implementation steps.
Bachelor’s degree required; advanced degree (JD, MBA) or compliance certification (CCEP, CRCM, CAMS) preferred.
Must be U.S.-based and eligible to work in the U.S.
Willingness to engage in occasional early or late calls to coordinate with Australia‑based team.
Why This Role Matters Our U.S. success depends on building products that are innovative and fully compliant. This role ensures products, operations and growth strategy rest on a foundation of regulatory integrity and operational control, while enabling consumer‑friendly credit. You will be a key bridge between business strategy, product development and compliance execution.
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Role Overview You will lead our U.S. compliance program for lending/credit. You will ensure regulatory and operational compliance across product origination, servicing, marketing, AML/financial‑crime, and sponsor‑bank governance. You will be hands‑on, working with product, engineering, credit risk, operations, marketing and the sponsor bank to embed compliance into the business as it scales. You will also coordinate with Australia‑based team members, which may require evening calls U.S. time.
Key Responsibilities
Develop, maintain and operationalise the U.S. compliance framework for consumer lending programs operated via a sponsor‑bank model.
Ensure compliance with applicable federal consumer‑lending and financial‑services laws and regulations (e.g., TILA/Reg Z, ECOA/Reg B, FCRA/Reg V, BSA/AML/SARs, GLBA, UDAAP/UDAP) and manage state‑level risk exposure in coordination with the sponsor bank.
Implement and manage a compliance‑management system (CMS) suitable for a fintech lending business: establish policies, procedures, controls, monitoring and reporting.
Take ownership of AML/financial‑crime compliance: suspicious activity reporting (SARs), sanctions screening, CIP/KYC in coordination with sponsor bank and internal operations.
Engage actively with product and credit‑risk teams to review and challenge credit decisioning models, underwriting workflows, disclosures, origination and servicing processes to ensure compliance risk is addressed.
Work with engineering and product teams to translate regulatory requirements into business‑process requirements, platform controls, user‑journeys and disclosures.
Ensure marketing and promotional materials adhere to regulations.
Establish governance processes for the sponsor‑bank relationship: oversight, alignment of partner compliance/risk expectations, reporting, vendor/third‑party management and audit readiness.
Perform ongoing risk assessment, controls testing, quality‑assurance and remediation tracking.
Provide training and guidance to business, product, operations, marketing and support teams on compliance obligations.
Serve as compliance liaison for regulators, internal/external auditors (on compliance aspects) and the sponsor bank.
Partner with executive leadership on compliance strategy, emerging regulatory issues and commercial growth opportunities.
Lead and build out the U.S. compliance team as the business scales; oversee U.S.-based team members and coordinate with Australia‑based support functions as needed.
Required Qualifications
Minimum 10 years of U.S. financial‑services compliance experience (consumer lending, payments, fintech) including leadership or senior role.
Hands‑on experience with U.S. consumer‑lending products (origination, underwriting, servicing, collections) in a fintech or digital‑lending context.
Proven experience working with a sponsor bank or bank‑partner model in the U.S. fintech/lending environment.
Demonstrable experience in AML/BSA/financial‑crime compliance (SARs, sanctions, CIP/KYC) within a financial‑services setting.
Strong operational mindset: able to build processes, controls, perform monitoring and remediate issues— not purely design/policy.
Commercially oriented and cross‑functional: comfortable working with product, engineering, operations, marketing, external partners.
Excellent communication skills: translating regulatory requirements into practical business requirements and implementation steps.
Bachelor’s degree required; advanced degree (JD, MBA) or compliance certification (CCEP, CRCM, CAMS) preferred.
Must be U.S.-based and eligible to work in the U.S.
Willingness to engage in occasional early or late calls to coordinate with Australia‑based team.
Why This Role Matters Our U.S. success depends on building products that are innovative and fully compliant. This role ensures products, operations and growth strategy rest on a foundation of regulatory integrity and operational control, while enabling consumer‑friendly credit. You will be a key bridge between business strategy, product development and compliance execution.
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