Job Description

About EarnIn

As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for those with the unique needs of living paycheck to paycheck. Our community members access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks.

We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, Ribbit Capital, and a very healthy core business with a tremendous runway. We’re growing fast and are excited to continue bringing world-class talent onboard to help shape the next chapter of our growth journey.

EarnIn is seeking a highly motivated and experienced Compliance Manager, Product to lead and continuously enhance our Product and Marketing Compliance team. This role is responsible for managing the day-to-day execution of the Product and Marketing Compliance program to ensure our products, marketing campaigns, and customer communications meet all applicable regulatory and legal requirements.

The Manager will lead a team of compliance professionals and serve as the key partner to Product, Marketing, Legal, Risk and other cross-functional stakeholders. This role requires a strong understanding of financial crimes regulations, operational execution, and the ability to translate regulatory expectations into actionable controls and sustainable processes. The ideal candidate brings a customer-first mindset, operates with urgency and accountability, and builds a high-performing, collaborative team environment.

This is a remote position offering the opportunity to create meaningful impact in a dynamic, fast-paced fintech environment. The US base salary range for this full-time position is $95,000-130,000 + equity + benefits. Our salary ranges are determined by role, level, and location.

What You'll Do

• Partner with product and marketing teams to ensure compliance with consumer protection regulations in the development, launch, and enhancement of deposit, payment, and lending products, providing strategic guidance on regulatory requirements and operational implementation.
• Lead the evaluation and interpretation of compliance requirements for new and existing products, ensuring alignment with EarnIn’s compliance framework and regulatory expectations through research, analysis, and documentation.
• Monitor and analyze new and evolving regulatory requirements, assessing their impact on products, marketing practices, and internal processes, and driving updates to policies, procedures, and controls to maintain compliance.
• Own the development, implementation, and ongoing maintenance of compliance policies, procedures, and controls, conducting periodic reviews and driving enhancements to strengthen the compliance program.
• Collaborate with cross-functional teams to design and oversee monitoring and testing activities that assess adherence to compliance policies, identify potential risks, and implement corrective actions where necessary.
• Partner with Compliance Managers in compliance risk assessments, ensuring risks are properly documented and necessary controls are in place.
• Drive cross-functional initiatives and projects related to product and marketing compliance, ensuring compliance objectives are integrated into project planning and execution.
• Provide clear, practical regulatory guidance to stakeholders, translating complex regulatory requirements into actionable recommendations that enable compliant product development and marketing practices.
• Manage and develop a team of compliance professionals by setting clear expectations, providing actionable feedback, and supporting growth.
• Set and execute near-term strategic plans, monitor workload and performance, and ensure consistent, high-quality delivery.
• Foster a collaborative, accountable team culture and serve as a trusted cross-functional partner to promote a strong culture of compliance.
• Excellent analytical, organizational, written, and verbal communication skills, with the ability to clearly document complex investigations and regulatory analyses.
• High integrity, professionalism, and discretion in handling sensitive information.
• Perform other duties as assigned.

What We're Looking For:

• 6+ years of experience in compliance, risk management, or a related field in professional services, 1+ year managing a team
• Fintech, or financial services; relevant certifications (e.g., CRCM, CUCE) are a plus.
• Experience reviewing marketing, advertising, or customer-facing communications.
• Experience supporting product development or product compliance programs.
• Strong understanding of consumer protection regulations (Reg E, Reg Z, Reg B, FCRA, etc.)
• Strong understanding of advertising standards (UDAAP, TILA, ECOA, CAN-SPAM, FTC advertising guidance)
• Excellent communication skills with the ability to explain complex regulatory concepts to non-legal teams.
• Strong attention to detail and ability to manage multiple projects.

#LI-Remote

At EarnIn, we believe that the best way to build a financial system that works for everyday people is by hiring a team that represents our diverse community. Our team is diverse not only in background and experience but also in perspective. We celebrate our diversity and strive to create a culture of belonging. EarnIn does not unlawfully discriminate based on race, color, religion, sex (including pregnancy, childbirth, breastfeeding, or related medical conditions), gender identity, gender expression, national origin, ancestry, citizenship, age, physical or mental disability, legally protected medical condition, family care status, military or veteran status, marital status, registered domestic partner status, sexual orientation, genetic information, or any other basis protected by local, state, or federal laws. EarnIn is an E-Verify participant.

EarnIn does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies in response to job postings. No fee will be paid to third parties who submit unsolicited candidates directly to our hiring managers or HR team.