Senior Consumer Compliance and Payments Lead

Job Description: • The Consumer and Payments Compliance Lead is responsible for designing, implementing, and overseeing Esusu’s consumer and payments compliance program. • This role provides subject-matter expertise on U.S. consumer financial regulations and payment network rules (e.g., Regulation E, NACHA Operating Rules, card network rules, UDAAP, privacy, and state consumer protection requirements). • Serve as a primary liaison to our bank partners and payment vendors on compliance matters. • The role sits within the Risk & Compliance Management Department and operates as a second line of defense, partnering closely with Legal, Operations, Product and other internal and external partners to ensure that Esusu’s consumer-facing products and payment flows remain compliant, well-controlled, and aligned with industry best practices. Requirements: • Degree and or certifications in Business, Compliance, Audit, Risk Management, or related field, or equivalent practical experience. • Significant, senior-level experience in compliance, legal, or risk management experience in financial services, fintech, banking, or payments, with significant exposure to U.S. consumer protection and/or payments regulations. • Demonstrated expertise applying Regulation E, NACHA Rules, UDAAP, FCRA, and related consumer and payments requirements in a business environment. • Deep understanding of payment clearing, settlement and regulatory requirements. • Experience working in or with a second line of defense risk/compliance function, including advising first line teams and providing independent challenge. • Strong track record of building and maintaining policies, procedures, and control frameworks and performing monitoring/testing over compliance controls. • Excellent written and verbal communication skills, with the ability to translate complex regulatory requirements into clear, actionable guidance for non-technical stakeholders. • Proven ability to manage multiple priorities in a fast-paced, high-growth environment and to work effectively with cross-functional teams and external partners. Benefits: • Competitive Salary - for Series C - $150,000 – $163,000 annually • Equity - a significant RSU grant with vesting over four years, accelerated upon a sale or IPO. • ✅Remote first work environment - Where we trust you to get your work done. • Generous PTO – Enjoy a generous time off policy and 14 company wide paid holidays. • Premium Health Coverage – Comprehensive medical, dental, and vision insurance. • Partial-Employer Funded Health Savings Account - Available for High Deductible Plans. • Paid Parental Leave – 12 weeks of 100% pay to support growing families. • Retirement Plans – Secure your future with our competitive 401(k) offerings, including a 4% company match (for US only). • Tuition Reimbursement – For qualified programs to complement work experience. • Professional Development Stipend – To support your continued growth and learning. • In person and virtual team get togethers - To connect with your fellow Esusu colleagues. • Free Credit Building Benefit - Build your credit score for free as an Esusu employee.