Associate Director, Product Compliance

Location: New York, NY; Salt Lake City, UT; San Francisco, CA 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 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 not run the team, manage staff, or own the function's strategy; the Head of Product Compliance owns those. 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. You will be responsible for: 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 What You Will Do 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. Who You Are 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. AI and Compliance Modernization Experience 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. 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 .