Associate Director, Compliance Management System (CMS)

Location: New York, NY; San Francisco, CA; Utah 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. For you, that means doing the best work of your career next to people who make you better, and together bringing ideas to life that make a real impact for the people we serve. About the Role Flex is building a modern compliance organization designed to scale with a high-growth fintech. Our goal is not only to meet regulatory expectations but to operate a technology-forward compliance function that uses automation, data, and AI-enabled workflows to improve quality, speed, and scalability. The Associate Director, CMS, will own and evolve key components of Flex's Compliance Management System and help shape how compliance operates across the company. This role sits at the intersection of regulatory strategy, operational execution, and technology enablement, partnering closely with Product, Engineering, Risk, and Legal to build compliance into how Flex builds and runs its products. This role will own policy and standards, training, program management, and audit support. This is a senior individual contributor role with no direct reports. It reports to the Director, CMS Operations. The right candidate brings strong regulatory expertise and a systems mindset: someone who can turn regulatory expectations into operational frameworks and find ways to modernize compliance through automation and AI-enabled tools. What You Will Do Own CMS policy, standards, and training: keep policies current, approved on schedule, and mapped to regulatory requirements, and keep training complete and current. Serve as the day-to-day contact for partner banks on program management questions and requests; own the calendar of recurring deliverables, checking for accuracy and timeliness before they go out. Run CMS program management: the governance calendar, committee materials, and tracking of control and issue owners to closure. Translate regulatory expectations into clear, durable operational frameworks and controls that keep the organization audit- and exam-ready, and write them so another person can run them. Support audits led by the Director, CMS Operations: prepare CMS evidence, coordinate responses, and track remediation to closure. Use reporting from Compliance Reporting and Analytics and from Testing and Monitoring to find program gaps and drive changes to policy, training, and controls. Use AI tools to speed up policy, training, and documentation work, checking the output before it is relied on. Partner with Engineering and internal tooling teams to embed compliance controls directly into systems, automation, and data pipelines. Act as a strategic partner to Product, Risk, Legal, and Engineering to support operational initiatives and product launches while maintaining regulatory defensibility. Who You Are 8+ years of experience in financial services or fintech compliance with increasing program ownership and strategic scope. Strong experience building or operating Compliance Management Systems or large programmatic compliance functions. Deep expertise in consumer protection regulations, including Reg E, Reg Z, UDAAP, and FCRA. Experience supporting regulatory exams, external audits, or bank partner oversight in a regulated financial services environment. Comfortable finding opportunities to use automation, data, and AI-enabled workflows to improve compliance operations, and in the habit of checking AI output before relying on it. Strong analytical and structured problem-solving skills with the ability to identify systemic risk and operational improvements. Effective communicator able to influence regulators, bank partners, executives, and technical teams. Builder mindset, energized by creating scalable systems rather than maintaining legacy processes. Bachelor's degree required; JD or advanced degree is a plus. Compensation Flex takes a market-based approach to pay, ensuring compensation is commensurate with a candidate's experience and our internal leveling guidelines. For candidates located in our Tier 1 (NYC/Bay Area) and Tier 3 (Salt Lake City) markets, the base salary pay range for this role is below. Flex utilizes a geographic pay differential based on a cost of labor index. If you are located outside of the cities listed below, your starting pay will be adjusted to align with the market conditions of your specific geographic zone. Please speak with your recruiter for additional information regarding the specific range for your location. Tier 1 (NYC/Bay Area) $176,000 — $220,000 USD Tier 3 (Salt Lake City) $149,600 — $187,000 USD Life at Flex 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. Offices Roles posted in New York, San Francisco, and Salt Lake City are hybrid positions with on-site expectations of 2-3 days per week in our local offices. For candidates outside of these areas, you may be eligible for our relocation assistance program. Benefits View our benefits and more at getflex.com/careers .