VP, Chief Compliance Officer

Reprise Financial is on a mission to simplify the financial journey for our customers, making personal loans accessible and transparent. We leverage technology and a customer-first approach to provide fast, reliable personal loans of up to $35,000, ensuring our clients receive the support they need without hidden fees or complex terms. Our commitment to integrity and clarity allows us to foster trust and empower individuals to take control of their finances.

At Reprise Financial, we foster a workplace built on innovation, collaboration, and kindness. Our mission to simplify the financial journey for our customers inspires us to exceed expectations and make a meaningful impact.

We provide the tools, resources, and support for employees to thrive in a dynamic, customer-focused environment. Transparency, continuous improvement, and open communication drive our culture of trust and excellence, where new ideas are valued, and growth is encouraged.

Join Reprise Financial and be part of a team where your contributions are recognized, and you have the opportunity to innovate, grow, and make a positive difference.

About the role

The Chief Compliance Officer serves as Reprise Financials senior-most compliance leader and is responsible for establishing, overseeing, and continuously enhancing the company’s enterprise-wide Compliance Management System. Reporting directly to the Chief Executive Officer, the CCO provides strategic leadership and oversight of all compliance activities related to Reprise’s consumer lending operations, working with the General Counsel to ensure adherence to applicable federal and state laws and regulations.

The CCO is accountable for ensuring Reprise Financial maintains a strong culture of compliance while supporting responsible business growth. This role requires a highly experienced compliance executive with deep knowledge of consumer financial services regulation and a proven ability to operate effectively in a fast-paced, high-growth environment.

Key Responsibilities

• Serve as the primary regulatory liaison, working with counsel as appropriate, for all supervisory examinations, inquiries, and enforcement matters involving the CFPB, FTC, state attorneys general, state banking regulators, and other applicable agencies, including end‑to‑end exam management and remediation.

• Monitor federal and state regulatory developments, rulemaking, and enforcement trends, translating regulatory change into clear, actionable guidance for the business.

• Oversee state lending licensure, including applications, renewals, and market expansion activities.

• Lead enterprise consumer protection programs, including UDAAP and Fair Lending, overseeing risk assessments, compliance testing, marketing and product reviews, and regulatory analysis.

• Ensure compliance with all applicable federal and state consumer financial laws governing personal lending and related consumer credit products.

• Partner cross‑functionally with Product, Marketing, Pricing, Technology, and Operations to embed compliance into lending product development and ongoing business activities.

• Own the enterprise complaint management program, including CFPB complaint responses, root cause analysis, trend reporting, and the use of complaint insights to reduce regulatory and consumer risk.

• Maintain a robust third‑party compliance oversight program, including due diligence and ongoing monitoring of vendors, service providers, and marketing partners.

• Develop and oversee role‑based compliance training programs and metrics, and champion a strong speak‑up culture across the organization.

• Provide regular compliance reporting to executive leadership and the Board of Directors, including regulatory developments, risk assessments, examination outcomes, and program effectiveness.

• Serve as a key member of enterprise governance and risk committees, including those overseeing risk management, credit policy, and product governance.

• Build, lead, and scale a high‑performing compliance organization, aligning team structure, priorities, and resources with business growth and regulatory expectations.

Skills, Knowledge, and Expertise

• 12+ years of progressive compliance experience in consumer financial services, including 5+ years in an executive or senior leadership role overseeing enterprise compliance programs and teams.

• Deep knowledge of CFPB regulation and federal/state consumer protection laws, including UDAAP, Fair Lending (ECOA/Reg B), TILA, FCRA, FDCPA, TCPA, SCRA, MLA, and GLBA.

• Proven experience leading CFPB and state regulatory examinations, enforcement matters, and remediation efforts in a consumer lending or fintech environment.

• Strong risk assessment, monitoring, and issue management capabilities, with the ability to balance regulatory rigor with business growth.

• Executive presence with the ability to clearly communicate complex compliance risks and regulatory developments to the CEO, Board of Directors, regulators, and cross-functional partners.

• Demonstrated success building and scaling compliance programs and teams, influencing stakeholders without direct authority, and fostering a strong culture of compliance.

• Bachelor’s degree required; J.D., MBA, CRCM, CAMS, or similar credentials preferred.

Location

This position is fully remote, allowing you to work from anywhere that suits you best. While you’ll primarily work from home, you are always welcome to visit our office in Irving, TX, whenever you choose. We encourage our remote team members to stay connected through regular virtual meetings and team events. All team members must reside in one of our approved locations by their start date, ensuring you remain part of our collaborative community.

Benefits That Support Your Success

• Stay Healthy & Happy: Comprehensive medical, dental, and vision coverage, contributions to a Health Savings Account (HSA), and access to an Employee Assistance Program (EAP) to support your mental health and overall well-being.

• Secure Your Future: Plan ahead with our 401(k) program, featuring a Safe Harbor Match (100% of the first 3% and 50% of the next 2%).

• Time That Works for You: Recharge with accrued time off, company holidays, sick time, and 3 floating holidays—perfect for celebrating your birthday, your dog’s birthday, or just a random Tuesday!

• Support for Growing Families: Our 12-week Paid Parental Leave ensures you have the time and support to focus on your family during life’s biggest moments.

• Competitive Rewards: Market-driven salary and bonus opportunities ensure your hard work is recognized and rewarded.

• Tools for Success: Stay connected and productive with a robust tech package designed to help you deliver your best every day.

Our Core Values

• Pursue Excellence: We strive for the highest quality, ensuring our tools and services truly aid in our customers’ success.

• Make a Meaningful Impact: We focus on delivering outcomes that genuinely improve financial well-being.

• Commit to Innovation: Our innovative approach keeps us at the forefront of providing effective financial tools.

• Champion the Customer: We prioritize our customers' financial goals, tailoring our tools to meet their unique needs.

• Collaborate with Purpose: Our teamwork drives us to develop superior solutions that empower customers.

• Lead with Kindness: Respect and empathy are central to our operations, creating a supportive environment for success.

Equal Employment Opportunity Employer

At Reprise Financial, we are dedicated to fostering an inclusive community where every individual is valued. We are an Equal Employment Opportunity employer—ensuring that all qualified applicants and employees receive consideration for employment without regard to age, race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender, gender identity, physical or mental disability, veteran status, genetic information, ethnicity, citizenship, or any other characteristic protected by law.

We believe that diversity strengthens our organization and drives innovation, and we are committed to creating a workplace that reflects the rich variety of our communities.