Bilingual Collection Agent / Consumer Resolution Specialist (Spanish/English) - Kompato AI

At Kompato AI, we are developing the first AI-powered, customer-centric financial services business. We're the first fully licensed AI-first debt collection agency—and we're already outperforming traditional agencies.Working here will be a thrilling, challenging, and rewarding experience—ideal for those who have a track record of proven success and are ready to take their talents to an organization where they can do their best work and create lasting impacts. If you are driven, ambitious, and passionate about transforming financial services with AI, this is the place for you.The RoleWe are seeking a high-performing, results-driven Bilingual Collections Specialist with native Spanish language skills to join our team. You'll work with financially distressed consumers in both Spanish and English, helping them identify real solutions to regain control of their financial situation.This isn't traditional collections. Our AI agents handle the majority of consumer interactions. You'll handle escalated cases—the ones that require human expertise, emotional intelligence, or regulatory compliance. Your bilingual ability is critical: you'll serve Spanish-speaking consumers who need human connection and navigate culturally sensitive financial conversations.You'll HandleSpanish and English-speaking consumers who request to speak with a personCases requiring human involvement by law or regulationComplex payment arrangements and dispute resolutionSensitive negotiations requiring cultural understanding and empathyYour ImpactBuild and maintain strong, trust-based relationships with Spanish-speaking consumersResolve the most challenging collection cases in our groundbreaking systemProvide feedback that improves our industry-leading AI platformEnsure compliance and deliver best-in-class consumer experiencesWork remotely with a collaborative, high-performing teamKey ResponsibilitiesCollections & Relationship ManagementContact consumers in Spanish and English to negotiate payment arrangementsBuild trust-based relationships with Spanish-speaking consumers experiencing financial hardshipProactively identify opportunities to resolve accounts and drive positive outcomesNavigate cultural sensitivities around money, family obligations, and financial stressDispute & Issue ResolutionQuickly and effectively resolve disputes and complaints in both languagesHandle escalated collection cases requiring expert judgmentDocument all interactions thoroughly for compliance and quality assuranceFollow up diligently to ensure payment commitments are metCompliance & Regulatory KnowledgeMaintain expert knowledge of FDCPA, TCPA, CFPB, and state-specific collection regulationsEnsure every interaction meets legal and compliance standardsStay current on regulatory updates and AI-driven engagement strategiesHandle sensitive cases with precision—you're our compliance checkpointTeam Collaboration & AI ImprovementProvide feedback to improve AI agent performance with Spanish-speaking consumersShare insights on cultural nuances that impact collection effectivenessContribute to strategies that enhance outcomes for bilingual consumersAct as a role model for professionalism, integrity, and commitment to excellenceWhat It Takes to SucceedMust Have✅ Native or fluent Spanish speaker with professional-level English proficiency✅ 5+ years proven collections experience in accounts receivable, debt collection, or consumer finance✅ Clean compliance record - no regulatory violations or disciplinary actions✅ Track record of meeting or exceeding collection goals and performance metrics✅ Deep knowledge of FDCPA, TCPA, and CFPB regulations✅ Exceptional negotiation and problem-solving skills in both Spanish and English✅ Ability to handle difficult conversations with empathy and persistence✅ Cultural competency working with diverse Latino communities (Mexican, Puerto Rican, Central American, etc.)✅ Proficiency with CRM systems, dialers, and omni-channel platforms✅ Self-motivated and accountable for remote work environment✅ Secure home office with reliable internet and private workspaceWhat We're Looking ForSomeone who genuinely wants to help consumers resolve their debtsHigh emotional intelligence to balance empathy with resultsConfidence navigating objections and difficult financial conversationsAdaptability to work with AI technology and provide improvement feedbackProfessional maturity and integrity in all consumer interactionsDrive to continuously improve performance and outcomesWhat We OfferCompensationCompetitive salary (based on experience and location)Performance bonuses tied to collection resultsFull benefits package (health, dental, vision, 401k)Work SetupFully remote positionEquipment and technology providedFlexible schedule within business hoursProfessional development and compliance trainingGrowth & ImpactGround floor opportunity at the only fully licensed AI-first collection agencyWork with technology that's already outperforming traditional agenciesBe part of revolutionizing debt collectionClear advancement opportunities as we scaleMake a real difference in consumers' financial livesWho This Is ForThis Role Is Perfect For You IfYou have a proven track record in collections and want to level upYou're proud of your Spanish language skills and want them valued and compensatedYou want to work with cutting-edge AI technology instead of outdated methodsYou're comfortable working independently and remotelyYou balance empathy with results - you genuinely help people while meeting goalsYou want to be part of something innovative in financial servicesThis Role Is NOT For You IfYou don't have significant collections experience (we need proven performers)You're not truly bilingual in Spanish and EnglishYou have compliance issues or regulatory violations in your backgroundYou need constant supervision or prefer office environmentsYou're skeptical about AI or prefer traditional collection methodsYou're just looking for any remote job (this requires collections expertise)Ready to Apply?If you're an experienced collections professional with native Spanish skills ready to work at the forefront of AI-powered financial services, we want to hear from you.Kompato AI is an equal opportunity employer. This role demands resilience, adaptability, and a commitment to excellence in collections.