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About the Role

Flex is building a next-generation compliance function where AI-enabled systems and human expertise work together to scale regulatory oversight without slowing product innovation. As Associate Director, Product Compliance, you will be a senior individual contributor on the Product Compliance team, reporting to the Head of Product Compliance and partnering closely with Product, Engineering, Legal, Risk, Marketing, and bank partners to enable compliant innovation across Flex’s lending and payments ecosystem. This is a hands-on execution role, not a people leadership role. You will carry the most complex advisory work yourself and make the function faster by running and improving AI-enabled review workflows, clear standards, and disciplined documentation rather than by adding headcount.

Responsibilities

Owning individual advisory reviews end to end for product launches, product changes, and marketing initiatives
Delivering fast, precise regulatory interpretation that is well documented and defensible
Operating and improving AI-enabled review workflows, automated monitoring, and compliance tooling in daily practice
Coordinating bank partner review and approval for products and consumer-facing content
Carry advisory reviews for product launches, product changes, marketing initiatives, and emerging regulatory issues end to end, ensuring every decision is well documented and defensible.
Apply consumer protection regulations, including lending, payments, and fintech regulatory frameworks, directly to product design, disclosures, fee structures, and customer journeys.
Execute risk-tiered review processes and maintain the standards libraries, templates, and precedent that keep reviews fast, consistent, and reusable across the function.
Operate AI-assisted review systems and agent-based workflows in areas such as marketing compliance review, regulatory change monitoring, and product risk assessment, and improve them based on what you see in daily use.
Conduct product risk assessments ahead of launch, identify gaps early, and drive them to resolution with product and engineering owners.
Partner with product and operations teams to investigate compliance issues, drive root-cause remediation, and strengthen preventative controls.
Coordinate day-to-day with bank partners on product and marketing approvals, producing documentation that withstands examiner and partner scrutiny.
Raise the quality and turnaround bar by example: set precedent other reviewers reuse and mentor junior team members informally.

Requirements

8+ years of experience in product compliance, compliance advisory, or regulatory risk roles within fintech, consumer lending, payments, banking, or financial services.
A hands-on operator with high personal throughput: you own complex reviews yourself, document precisely, and are comfortable being accountable for outcomes without a team.
Deep working knowledge of consumer protection regulations for lending and payments, with a demonstrated ability to translate requirements into product guardrails that hold up under scrutiny.
An effective partner to product and engineering teams during development; you influence decisions through clarity and credibility rather than authority.
A daily user of AI tools in your own work, with experience operating or implementing AI-enabled compliance tooling, automation, or agent-based workflows within compliance, risk, or product governance functions.
Familiarity with using technology to improve the speed, quality, and scalability of compliance review processes.
Ability to translate regulatory requirements into technology-driven review processes that integrate into product and operational workflows.

Skills

Product Compliance
Compliance Advisory
Regulatory Risk
Fintech
Consumer Lending
Payments
Banking
Financial Services
Consumer Protection Regulations
AI Tools
AI-enabled Compliance Tooling
Automation
Agent-based Workflows
Compliance, Risk, or Product Governance
Technology
Product Design
Disclosures
Fee Structures
Customer Journeys
Risk-tiered Review Processes
Standards Libraries
Templates
Precedent
AI-assisted Review Systems
Marketing Compliance Review
Regulatory Change Monitoring
Product Risk Assessment
Product Launches
Product Changes
Marketing Initiatives
Emerging Regulatory Issues
Root-cause Remediation
Preventative Controls
Examiner and Partner Scrutiny

Location

NYC
New York City
San Francisco
Salt Lake City
US
Australia
Canada
South America

Work Type

Hybrid
Full-time

Experience Level

8+ years of experience
Senior

Salary/Compensations

$176,000—$220,000 USD (Tier 1: NYC/Bay Area)
$149,600—$187,000 USD (Tier 3: Salt Lake City)

Benefits

Competitive medical, dental, and vision
Company equity
401(k) plan with company match
Unlimited paid time off + 13 company paid holidays
Parental leave
Free Flex subscription
Competitive compensation + company equity (non-U.S.)
Unlimited PTO (non-U.S.)

About the Company

Flex is a growth-stage, NYC headquartered FinTech company that is creating the best rent payment experience.
Flex enables our users to pay rent throughout the month on a schedule that better fits their finances and budget.
Our mission is to empower as many renters as possible with flexibility over their most significant recurring expense.
Flex has deliberately kept a stealth profile as we built up unprecedented investor support and an enthusiastic user base.
We are looking for motivated individuals to help us keep our mission growing.
We understand that it takes a diverse team of highly intelligent, curious, determined, empathetic, and self aware people to grow a successful company.
Our HQ is located in New York City, but we have employees located throughout the US, Australia, Canada and South America.
We are growing quickly, but deliberately, with a focus on building an inclusive culture.
Our dynamic team has incredible perspectives to share, just as we know you do.

Equal Opportunity

We take great pride in being an equal opportunity workplace.