Job Overview

CEO currently lends in multiple states and is actively expanding its geographic footprint and partnership activity. As regulatory complexity increases, this role centralizes and professionalizes compliance responsibilities that are critical to sustainable growth.

The Senior Compliance Officer ensures that CEO operates in full compliance with federal, state, and local laws governing its lending activities and organizational governance obligations. This role is foundational to CEO’s multi-state operations and growth strategy, supporting expansion into new jurisdictions while maintaining strong regulatory, operational, and reputational risk controls.

The Senior Compliance Officer develops and maintains compliance policies, processes, and training, and serves as the organization’s primary point of contact for state licensing agencies, external auditors, and board members regarding compliance filings and governance records. The role also supports investor, grantor, and funder compliance readiness (e.g., diligence requests, audits, and compliance reviews) in coordination with Finance and program teams. Over time, this role is expected to contribute to the development of a more formal enterprise risk management (ERM) framework.

Key Responsibilities:

Regulatory Licensing & Filings (~40%)

• Maintain a rolling calendar of state lending and debt collection licenses, renewals, and reporting deadlines across the United States.
• Prepare and submit license applications, renewals, surety bond filings, and related notices.
• Research regulatory requirements for expansion into new states and coordinate with outside counsel as needed.
• Track Certificates of Authority (CoAs) in non-licensing states and ensure corporate registrations are current.
• Manage consumer credit and debt collection reporting obligations (e.g., annual volume reports, NMLS submissions).

Policy Management & Operational Compliance (~30%)

• Maintain and update the organization’s Compliance Manual and policy library (e.g., AML/KYC, FDCPA, Red Flags, record retention, data security).
• Monitor changes in applicable laws and regulations and recommend policy updates as needed.
• Conduct periodic internal audits to verify adherence to policies, procedures, and licensing conditions.
• Partner with Lending and Finance teams to ensure product design, disclosures, and servicing practices comply with state-specific requirements (e.g., APR disclosures, fees, collection communications).
• Provide compliance training and guidance to staff and management.

Corporate Governance & Board Liaison (~20%)

• Maintain corporate records, board resolutions, and governance registers.
• Track board tenure, committee membership, and governance requirements in accordance with bylaws and state charitable registration rules.
• Prepare and submit governance filings (annual reports, registered agent updates, charitable registrations).
• Liaise with board members to support timely completion of required compliance filings.
• Support board meeting logistics, minutes, and document distribution as related to compliance and governance.

External Relations & Audit Support (~10%)

• Serve as the primary liaison with state regulators, auditors, and external counsel on compliance-related matters.
• Coordinate responses to regulatory inquiries, examinations, and information requests.
• Support preparation for CDFI Fund, grantor, and investor/funder compliance reviews, including coordinating document collection, ensuring compliance documentation is current, and supporting audit and diligence readiness in partnership with Finance and other internal stakeholders.

Qualifications

• Bachelor’s degree required; JD or paralegal certificate a plus.
• Related experience in or for a lending institution required.
• Demonstrated experience managing multi-jurisdictional compliance obligations.
• Strong research, analytical, and organizational skills; ability to manage multiple deadlines across jurisdictions.
• Experience developing and implementing compliance policies and internal controls.
• Experience with database and/or CRM management.
• Exceptional written communication and documentation skills.
• High integrity, discretion, and a collaborative working style.
• Familiarity with consumer lending laws and the NMLS platform a plus.
• Interest in or exposure to enterprise risk management, internal controls, or organizational risk frameworks a plus.

Working Environment:

• This position is fully remote within the United States.
• Work is performed from home at a computer workstation.
• This position requires travel to conferences or in-person meetings 3-5 times per year.

Compensation: (Pay Range: $95,000 - $115,000) Posted pay ranges apply to US-based candidates. Ranges are based on various factors including the labor market, job type, internal equity, and budget. Exact offers are calibrated by work location, individual candidate experience and skills relative to the defined job requirements.

Equal Opportunity Employer: IRC is an Equal Opportunity Employer. IRC considers all applicants on the basis of merit without regard to race, sex, color, national origin, religion, sexual orientation, age, marital status, veteran status, disability or any other characteristic protected by applicable law.

Professional Standards: All International Rescue Committee workers must adhere to the core values and principles outlined in IRC Way - Standards for Professional Conduct. Our Standards are Integrity, Service, Equality and Accountability. In accordance with these values, the IRC operates and enforces policies on Safeguarding, Conflicts of Interest, Fiscal Integrity, and Reporting Wrongdoing and Protection from Retaliation. IRC is committed to take all necessary preventive measures and create an environment where people feel safe, and to take all necessary actions and corrective measures when harm occurs. IRC builds teams of professionals who promote critical reflection, power sharing, debate, and objectivity to deliver the best possible services to our clients.

US Benefits: We offer a comprehensive and highly competitive set of benefits. In the US, these include: 10 sick days, 10 US holidays, 20-25 paid time off days depending on role and tenure, medical insurance starting at $163 per month, dental starting at $6.50 per month, and vision starting at $5 per month, FSA for healthcare and commuter costs, a 403b retirement savings plans with immediately vested matching, disability & life insurance, and an Employee Assistance Program which is available to our staff and their families to support counseling and care in times of crisis and mental health struggles.