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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 precedents 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. Check their output before it goes into a determination, 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.
Write review files so another reviewer can pick up the work, and turn repeat questions into templates and standards.
Raise the quality and turnaround bar by example: set precedent other reviewers reuse and mentor junior team members informally. This role carries no direct management responsibility.

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

AI tools
AI-enabled compliance tooling
AI-enabled review workflows
AI-assisted review systems
Compliance modernization
Consumer protection regulations
Fintech
Lending
Marketing compliance review
Payments
Product compliance
Product risk assessment
Regulatory change monitoring
Regulatory risk
Risk-tiered review processes

Location

New York City
San Francisco
Salt Lake City

Work Type

Hybrid

Experience Level

8+ years of experience

Salary/Compensations

$176,000—$220,000 USD (Tier 1)
$149,600—$187,000 USD (Tier 3)

Benefits

Relocation assistance program

About the Company

Flex is a growth-stage, NYC headquartered FinTech company that is building the payment layer for life's financial obligations, giving households one place to see, split, and pay their bills around how they live and get paid.
By offering greater choice over how and when payments are made and allowing eligible on time payments to help build a positive credit history, Flex puts households back in control of their cash flow.
That work brings together people with different perspectives who challenge the status quo and take ownership of solving difficult problems.
Building a successful company takes a diverse team of intelligent, curious, determined, empathetic, and self-aware people.
Our headquarters is in New York City, with employees across the US, Australia, Canada, and South America.
We’re growing quickly and deliberately, with a focus on building an inclusive culture.
We value the perspectives our people bring and take pride in being an equal opportunity workplace.

Equal Opportunity

We take pride in being an equal opportunity workplace.