Manager, Merchant Oversight Compliance

Company Overview:At Snap Finance, we believe everyone deserves access to the things they need, regardless of credit history. Since 2012, we've used data, machine learning, and a more human approach to create flexible financing solutions that help people move forward. We're proud of our inclusive, supportive culture, built on empowering our customers, partners, and team members alike. When our people thrive, so does our innovation.If you're looking to make an impact and grow with a team that values you, come join us!Job DescriptionSnap Finance is looking for a proactive and analytical Manager, Merchant Oversight Compliance to lead the risk and compliance oversight of our merchant network. In this role, you’ll be responsible for ensuring that merchant partners operate in alignment with Snap’s policies, regulatory expectations, and ethical standards. You’ll play a key part in onboarding, monitoring, and managing merchant relationships while driving forward compliance initiatives that mitigate risk and support business growth.How You’ll Make An ImpactMerchant Compliance Strategy: Develop and maintain merchant compliance standards, policies, and procedures aligned with company objectives and regulatory expectations.Ongoing Monitoring: Implement risk-based monitoring practices to detect non-compliance, suspicious activity, or performance concerns across the merchant network.Investigations & Issue Management: Investigate merchant escalations or potential violations, coordinate responses with relevant stakeholders, and recommend corrective actions.Audit Readiness: Maintain accurate records and controls to support internal audits and regulatory reviews involving merchant activities.Cross-Functional Collaboration: Partner with teams across Compliance, Legal, Sales, and Risk to integrate merchant oversight into broader company risk management efforts.Data Analysis & Reporting: Develop dashboards and reports that highlight merchant performance, risk trends, and compliance status.Education & Training: Support internal and external education efforts on merchant compliance standards, policies, and responsibilities.Drive Process Improvements: Identify opportunities to streamline onboarding and oversight processes while maintaining compliance rigor.Team Coordination: Provide guidance to analysts and specialists supporting merchant compliance operations.What You’ll Need To SucceedBachelor’s degree in Business, Compliance, Risk Management, Finance, Business or related field3+ years of experience in compliance, risk, or third-party/merchant oversight role (preferably in financial services, fintech, or payments)Knowledge of merchant onboarding and underwriting best practices and third-party/vendor risk frameworksStrong understanding of compliance and regulatory expectations, including UDAAP and fair lending principlesAbility to manage cross-functional projects and prioritize tasks in a fast-paced environmentStrong communication, documentation, organizational and analytical skillsHigh level of integrity, sound judgment, and attention to detailComfortable working in a fast-paced, evolving environment with multiple prioritiesWhy Join Us:Generous paid time offCompetitive medical, dental & vision coverage401K with company match for USCompany-paid life insuranceCompany-paid short-term and long-term disabilityAccess to mental health and wellness resourcesCompany-paid volunteer time to do good in your communityLegal coverage and other supplemental optionsA value-based culture where growth opportunities are endlessMore:Snap values diversity and all qualified applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status. Learn more by visiting our website at www.snapfinance.com.California Residents, please review our California Consumer Privacy Act Notice at https://snapfinance.com/ccpa-notice