Compliance Lead, Canada

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. About the Legal, Compliance, and Public Affairs team The Legal, Compliance, and Public Affairs team is a group of dedicated professionals committed to helping Affirm scale, innovate, and provide outstanding products for consumers, merchants, and key partners. We combine legal, compliance, and policy expertise to guide growth, shape products, and build trust across our ecosystem. Our work spans multiple professional disciplines and provides the foundation for Affirm’s mission to deliver honest financial products. Affirm’s International Compliance team designs and implements compliance programs that proactively address regulatory requirements while identifying and mitigating compliance risks. As a second line of defence function, Compliance partners closely with the business to support new products, markets, and strategic initiatives while strengthening controls and delivering strong consumer outcomes. As a Compliance Lead, Canada, you will play a pivotal role as an individual contributor responsible for the Canada compliance framework. You will apply deep regulatory expertise and independent judgment to ensure alignment with Canadian regulatory requirements while integrating local obligations into the global compliance program. What You’ll Do Regulatory Oversight & Advisory - Serve as subject matter expert on consumer protection, payment regulations and related financial regulatory requirements - Support execution of risk controls related to safeguarding, operational risk and program governance under the Retail Payments Activities Act (RPAA) - Provide regulatory advice to Product, Legal, Risk, and Operations teams on new initiatives and business changes - Interpret regulatory developments and translate them into actionable business guidance - Support regulatory examinations, inquiries, and supervisory engagement Regulatory Reporting & Governance - Oversee required Canadian regulatory reporting and ensure timely, accurate submissions - Prepare compliance updates for senior leadership and risk governance forums - Support preparation of materials for executive and Board-level committees - Maintain documentation evidencing regulatory compliance and program effectiveness Risk Assessment & Monitoring - Lead the Canada compliance risk assessment and periodic refresh processes - Evaluate control effectiveness and recommend enhancements where gaps are identified - Review monitoring outputs and provide expert-level guidance on issue disposition - Escalate material compliance risks appropriately within global governance structures Program Development & Continuous Improvement - Maintain and enhance Canada-specific policies, procedures, and control documentation - Support development of compliance monitoring activities aligned to local risk exposure - Partner cross-functionally to ensure remediation efforts are implemented effectively What We Look For - 5+ years of compliance, regulatory, or legal experience in a Canadian regulated financial services environment (consumer credit or fintech preferred) - Bachelor’s degree required; CAMS/CFCS or similar certification is an asset - Strong working knowledge of Canadian consumer protection and payment regulations along with the applicable regulatory frameworks (e.g., RPAA and related obligations) - Ability to apply regulatory interpretation pragmatically within a commercial environment - Experience supporting regulatory reporting, compliance risk assessments, and control testing. - Strong analytical and documentation skills - Ability to operate independently with sound judgment - Excellent written and verbal communication skills - Pragmatic, solutions-oriented mindset - Ability to influence cross-functional stakeholders Pay Grade - J Equity Grade - 4 Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills. Base pay is part of a total compensation package that may include monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company). CAN base pay range per year: $101,000 - $151,000 This posting is for an existing vacancy. #LI-Remote Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles