Compliance Manager, Collections & Recovery (Hybrid)

We are interested in every qualified candidate who is eligible to work in the United States. However, we are not able to sponsor visas or take over sponsorship at this time. 

#BI-Hybrid #LI-Hybrid

Reports to:  

Director of Compliance

About the role:

The Compliance Manager ensures all business units comply with regulatory requirements by developing and maintaining compliance programs, policies, and practices. This includes overseeing compliance examinations, tracking legal changes, and implementing necessary updates. 

As the primary Compliance resource for Align Balance LLC, a licensed third-party collection agency managing Enova’s late stage charged off consumer loan products, the Manager will develop and maintain a Compliance Management System (CMS) for collections, including in-house teams, external agencies, law firms, and debt buyers. The Manager will collaborate with Align Balance leadership to lead compliance initiatives and provide guidance on regulatory matters.

Responsibilities:

• Ensure compliance with all federal and state regulations, particularly collection laws such as FDCPA, Reg F, TCPA, FCRA, UDAAP, SCRA, GLBA, and state-specific laws (e.g., Rosenthal Fair Debt Collection Practices Act), while overseeing responses to regulatory inquiries, audits, and examinations.
• Develop and implement risk-based compliance policies, procedures, and controls across business units, ensuring seamless integration into daily operations.
• Lead compliance training programs and identify gaps in policies, processes, or procedures, implementing necessary improvements.
• Conduct root cause analysis of compliance, credit, and operational risks, offering solutions and corrective actions.
• Manage regulatory change initiatives and collaborate with senior management to address findings from audits or assessments.
• Supervise Operational Auditors and evaluate compliance risks associated with third-party service providers impacted by FDCPA, TCPA, or other regulatory requirements.
• Foster a risk-aware culture and promote best practices in compliance management throughout the organization.

Requirements:

• Bachelor’s degree in Business, Law, Finance, Information Technology, or a related field.
• 8+ years in compliance, law, or risk management, with people management experience. Collections experience a plus.
• Experience developing and implementing a Compliance Management System (CMS) to ensure regulatory adherence and effective risk management.
• In-depth knowledge of U.S. consumer financial regulations, including FDCPA, Reg F, TCPA, and FCRA.
• Experience with state and federal regulatory exams and interactions with agencies like CFPB, FDIC, or OCC.
• Excellent communication, analytical, and project management skills, with the ability to meet multiple deadlines.
• Ability to conduct compliance research independently and translate regulatory data into actionable insights.

Benefits & Perks:

• Hybrid roles entail working in-office from Tuesday to Thursday, with the choice to work remotely on Mondays and Fridays
• Health, dental, and vision insurance including mental health benefits
• 401(k) matching plus a roth option (U.S. Based employees only)
• PTO & paid holidays off
• Sabbatical program (for eligible roles)
• Summer hours (for eligible roles)
• Paid parental leave
• DEI groups (B.L.A.C.K. @ Enova, HOLA @ Enova, Women @ Enova, Pride @ Enova, South Asians @ Enova, APEX @ Enova, and Parents @ Enova)
• Employee recognition and rewards program
• Charitable matching and a paid volunteer day…Plus so much more!

About Enova

Enova International is a leading financial technology company that provides online financial services through our AI and machine learning-powered Colossus™platform. We serve non-prime consumers and businesses alike, while offering world-class technology and services to traditional banks—in order to create accessible credit for millions. 

Being a values-driven organization is at the core of Enova’s success. We live our values by listening to our customers, challenging assumptions, thinking big, setting high expectations, and hiring and developing the best. Through our values and our commitment to making Enova an awesome place to work, we maintain an environment of inclusion and culture where our employees can thrive. You can learn more about Enova’s values and culture here. 

It is our policy to provide equal employment opportunity for all persons and not discriminate in employment decisions by placing the most qualified person in each job, without regard to any other classification protected by federal, state, or local law. California Applicants: Click here to review our California Privacy Policy for Job Applicants.